Farmers Bank

This notice accurately summarizes our policies and practices regarding the collection, use, retention, and security of nonpublic personal information concerning those customers of ours who obtain a financial product or service from us that is to be used primarily for personal, family, or household purposes.

WHAT INFORMATION WE COLLECT:

We collect nonpublic personal information about you from the following sources:

Information we received from you on applications or other forms;
Information about your transactions with us, or others; and
Information we receive from a 3^rd party, such as a consumer reporting agency.

"Nonpublic personal information" is nonpublic information about you that we may obtain in connection with providing a financial product or service to you. This could include information such as account balances, payment history, and overdraft history.

WHAT INFORMATION WE DISCLOSE:

We do not disclose any nonpublic personal information about you to anyone, except as permitted by the law. If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices as described in this notice.

OUR SECURITY PROCEDURES:

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

USE OF COOKIES:

We may use cookies to personalize or enhance your user experience. A cookie is a small text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a Web Server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. For example, if you personalize a web page, or navigate within a site, a cookie helps the site to recall your specific information on subsequent visits. Hence, this simplifies the process of delivering relevant content and eases site navigation by providing and saving your preferences and login information as well as providing personalized functionality.

We do not allow other companies to place cookies on our website.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you reject cookies by changing your browser settings then be aware that this may disable some of the functionality on our Website.

If you have any questions regarding this policy, please contact Farmers Bank & Trust at one of the following locations:

Atwood 785-626-3233

Brewster 785-694-2251

Oberlin 785-475-3196

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