Privacy Notice

What Does The Farmers State Bank Do With Your Personal Information?

Rev. Date January 2011

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:

  • Social Security number and account balances
  • Account transactions and checking account information
  • Payment history and credit history
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 The Farmers State Bank chooses to share, and whether you can limit this sharing.
Reasons We Can Share Your Personal Information Does The Farmers State Bank 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		 Yes No
For joint marketing with other financial companies No We Do Not Share
For our affiliates’ everyday business purposes –
information about your transactions and experiences		 No We Do Not Share
For our affiliates’ everyday business purposes –
information about your creditworthiness		 No We Do Not Share
For our affiliates to market to you No We Do Not Share
For nonaffiliates to market to you No We Do Not Share
Questions? Call 888-362-4691 or go to www.fsbks.bank
What We Do
How does The Farmers State Bank protect my 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.
How does The Farmers State Bank collect my information?
We collect your personal information, for example, when you

  • Open an account or deposit or withdraw from your account
  • Apply for a loan or provide account information
  • Give us your income information

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

  • Sharing for affiliates’ everyday business purposes –information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.
(See below for more on your rights under state law.)
Definitions
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies. The Farmers State Bank does not share with affiliates.
Non‑Affiliates Companies not related by common ownership or control. They can be financial and non-financial companies. The Farmers State Bank does not share with non-affiliates.
Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you. The Farmers State Bank does not jointly market.
Other Important Information