PRIVACY NOTIFICATION
MERCHANTS AND FARMERS BANK
MERCHANTS AND FARMERS BANK is committed to maintaining our customers' private information confidential. At MERCHANTS AND FARMERS BANK we understand our customers' expectation of privacy and are committed to keeping all such private information strictly confidential. This Privacy Notification outlines how we treat our customers' most confidential information in order to maintain the trust that is needed for an ongoing, long-term relationship.
MERCHANTS AND FARMERS BANK Privacy Notification is developed for compliance with Regulation P, Privacy of Consumer Financial Information. This Federal law uses several terms that are specific to this regulation, and we need to explain them so that you fully understand our Privacy Notice:
"We", "our", and "us", when used in this Privacy Notification, means MERCHANTS AND FARMERS BANK
"You" and "your", when used in this Privacy Notification, means our customers, including deposit, loan, credit card, or safe deposit box customers.
"Customer" means a consumer who has a continuing customer relationship with MERCHANTS AND FARMERS BANK
"Affiliate" means any company that controls, is controlled by, or is under common control with another company.
"Nonaffiliated third party" is a company that is not an affiliate of MERCHANTS AND FARMERS BANK. 
"Nonpublic personal information" means any personally identifiable financial information that you provide to us to obtain a financial product or service. This type of information does not include information that is available from a public source, such as a telephone book or government records.
The privacy information that follows explains to you how we handle your personally identifiable financial information and describes the conditions under which MERCHANTS AND FARMERS BANK may disclose nonpublic personal information about you to nonaffiliated third parties.
CATEGORIES OF INFORMATION MERCHANTS AND FARMERS BANKCOLLECTS
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, our affiliates, or others;
Information we receive from a consumer reporting agency; and
Information from outside sources regarding your credit, employment and other relationships.
CATEGORIES OF INFORMATION MERCHANTS AND FARMERS BANKDISCLOSES AND PARTIES TO WHOM MERCHANTS AND FARMERS BANKDISCLOSES SUCH INFORMATION
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.
CONFIDENTIALITY AND SECURITY
MERCHANTS AND FARMERS BANK restricts access to nonpublic personal information about you to only 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.
COMMITMENT TO PRIVACY AND CONFIDENTIALITY
MERCHANTS AND FARMERS BANK is committed to preserving the confidentiality of your nonpublic personal information. MERCHANTS AND FARMERS BANK will remain diligent in safeguarding your nonpublic personal information. If you have any questions, comments or concerns relating to this policy, please contact us.