Privacy Statement

Farmers State Bank is committed to the belief that maintaining the confidentiality of our customers' information is at the core of our relationship with our customers. As a result of our commitment, we have adopted this Privacy Notice which is made readily available to our customers. We will protect your trust and confidence by following the principals of the Privacy Notice.

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 nonaffiliated third parties.
• Information from a consumer reporting agency.

Information We Disclose About You
We do NOT disclose any nonpublic personal information about you to anyone, except as permitted by law.

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 Former Customers
We do not disclose nonpublic personal information about former customers, except as permitted by law.

Internet Privacy
Browsing our Site
When you visit our website to view any pages, read product information, or use our online calculators and tools, you do so without telling us who you are and without revealing any personal information. While we do not collect identifying information about visitors to our site, we do use standard software to collect information for the strict purpose of tracking activity on our site. This allows us to better understand how many people use our site and which pages and features are most popular. To evaluate the usefulness of our site, we may gather and analyze data regarding usage such as:
• The name of your Internet Service Provider,
• The website that referred you to us (if any),
• The date and time the pages were accessed, and
• The page or pages you requested.

Web Site Confidentiality
Visitors to the Farmers State Bank web site remain anonymous. We do not collect personal identifying information about site users, unless you choose to provide such information to us via e-mail. Visitors may elect to provide us with personal information via e-mail. This information is used internally, as appropriate, to handle the sender's request and manage the bank's web site.

Information that you provide is not disseminated or sold to any other organization. Visitors should, however, keep in mind e-mail is not necessarily secure against interception. If you do not agree with the use of the information, or are not comfortable with the level of privacy, cancel the e-mail before it is sent. Visitors should call the bank directly if requests or statements include private or sensitive information.

Protecting Your Children
Our website is not targeted or marketed to children under the age of thirteen. We respect the privacy of your children, and we comply with the practices established under the Children's Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen.

United States Patriot Act
When our country was attacked on September 11, 2001 our lives were forever changed. In an effort to protect you and our country, the USA PATRIOT Act was signed into law.

To help our government prevent the funding of terrorism, money laundering activities and various forms of fraud such as identity theft, the Patriot Act requires all financial institutions to obtain, verify and record information that identifies each person who opens a new account or requests a loan.

What does this mean to you?

* When you open an account, we will ask you for your name, address, date of birth, taxpayer identification number and other information that will allow us to identify you.
* We may also ask to see you driver's license or other identifying documents.

In some cases, identifications may be requested from existing customers of Farmers State Bank if the original documentation was not obtained when the account was opened. Protection of our customer's identity and confidentiality is our bank's pledge to you.

We proudly support all efforts to protect and maintain the security of our customers and our country. We appreciate your cooperation in our compliance with the Federal law. If you have any questions regarding the USA PATRIOT Act please contact us.