We, our, and us, when used in this notice, mean The Farmers and Merchants Bank.   This is our privacy notice for our customers. When we use the words “you” and “your” we mean the following types of customers:   All of our consumer customers who have a continuing relationship with us, such as: Deposit account Loan account Safe deposit box Self-directed Individual Retirement account where we act as custodian or trustee All persons (individuals) who do not have a continuing relationship with us but who may use           a financial product or service we provide in isolated transactions. This includes, for example, someone who: Uses our ATM machine Applies for a loan that does not get completed Purchases traveler’s checks or money orders All IRA accounts for which we act as custodian All persons who use our trust department All former customers We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information. We first define some terms. Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control. A nonaffiliated third party is a company that is not an affiliate of ours.  THE INFORMATION THAT WE COLLECT  We collect nonpublic personal information about you from the following sources:  Information we receive from you on applications or other forms Information about your transactions with us Information about your transactions with our affiliates Information about your transactions with nonaffiliated third parties Information from a consumer reporting agency  THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION 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.  NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES  We will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.   NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS   If you decide to close your account(s) or become an inactive customer, we will follow the privacy policies and practices as described in this notice.  AUTHORIZED SHARING – JOINT MARKETING We may disclose the following information to other financial institutions with which we have joint marketing agreements:  Nonpublic personal information we receive from you on an application or other forms, such as name Name, address, and social security number Nonpublic personal information about your transactions with us, such as types of accounts  Federal law allows us to disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law. Here are the types of businesses with whom we may disclose nonpublic personal information under this section: Financial service providers, such as Individual Assurance Company BancMac Pekin Insurance Company