Privacy Policy Revised 11/2012 FACTS What does Farmers and Merchants State Bank of Alpha 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: Social Security number Account Balances Credit History Wire Transfer instructions Payment History Checking Account Information 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 and Merchants State Bank of Alpha chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Farmers and Merchants State Bank of Alpha share? Can you limit this sharing? For our everyday business purposes- such as to process your transaction, 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 507-847-3620 or go to www.famstatebankofalpha.com What we do How does Farmers and Merchants State Bank of Alpha 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 restrict access to nonpublic personal information about you to those employees who need to know to provide products and services to you. How does Farmers and Merchants State Bank of Alpha collect my personal information? We collect your personal information, for example, when you Open an account Apply for a loan Make deposits or withdrawals from your account Give us your contact information Pay us by check 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 nonaffiliates to market to you States 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. Farmers and Merchants State Bank of Alpha has no Affiliates. Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies. Farmers and Merchants State Bank of Alpha does not share with non Affiliates so they can market to you. Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. •Farmers and Merchants State Bank of Alpha does not jointly market.