Farmers Bank

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Atwood

Brewster

Oberlin

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“The Only Locally Owned Bank in Atwood”

Currently in Atwood

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FACTS	WHAT DOES FARMERS BANK & TRUST DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: l Social Security number l Account transactions l Account balances l Checking account information l Payment history l Wire transfer instructions When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Farmers Bank & Trust chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Farmers Bank & Trust share?	Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes - to offer our products and services to you	No	We don't share
For joint marketing with other financial companies	No	We don't share
For our affiliates' everyday business purposes - information about your transactions and experiences	No	We don't share
For our affiliates' everyday business purposes - information about your creditworthiness	No	We don't share
For nonaffiliates to market to you	No	We don't share

Questions?

Call Atwood 785-626-3233, Brewster 785-694-2251, Oberlin 785-475-3196

What We Do
How does Farmers Bank & Trust protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Farmers Bank & Trust collect my personal information?	We collect your personal information, for example, when you l Open an account l Give us your contact information l Apply for a loan l Make a wire transfer l Make deposits or withdrawals from your account We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only l sharing for affiliates' everyday business purposes - information about your creditworthiness l affiliates from using your information to market to you l sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. l Farmers Bank & Trust has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. l Farmers Bank & Trust does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. l Farmers Bank & Trust doesn't jointly market.

USE OF COOKIES:

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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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