FARMERS & TRADERS SAVINGS BANK PRIVACY NOTICE

In November 1999, the Gramm-Leach-Bliley Act (GBLA) was signed into law, addressing how banks and other financial institutions handle their customers' information. Maintaining confidentiality and trust is at the core of our relation with you-it always has been. We understand that you entrust your financial information to be handled with great care and we want you to be confident that we do not sell or share your financial information with any company that is not affiliated with us, except as permitted by law.

Collection, Retention, and Use of Customer Information

We collect non-public personal information about you from the following sources: 1) information we receive from you on applications or other forms; 2) information regarding your transactions with us, our affiliates, or others; and 3) information we receive from a consumer reporting agency.

We retain and use your customer information only for specific business purposes: to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand your financial needs so that we can provide you with quality products and service.

Providing Customer Information to Others

We are permitted by law to share information about your experiences or transactions with companies related to us by common control or ownership ("affiliates"). We are also permitted under law to disclose information about you to unaffiliated third parties in certain circumstances. For example, we may share information with companies that print checks for us, handle our credit card and debit card processing, etc..

We also provide information in the following instances: 1) the information is provided to help complete a customer-initiated transaction; 2) you request or authorize it; 3) the disclosure is required by or allowed by law (for example, by subpoena, investigation of fraudulent activity, request by regulator, etc.); 4) to credit bureaus; and 5) to our independent auditors, attorneys, and regulators.

We do not disclose non-public personal information about our customers or former customers to any third parties, except as permitted by law. In the unlikely event that our policy changes, we will notify you accordingly.

Our Security Procedures

We take steps to safeguard customer information. Access to customer information is limited to those employees who need to know such information in order to provide products or services to you. Also, we maintain physical and procedural safeguards that comply with federal standards to protect your customer information.

Responding to Customer Inquiries

The staff at Farmers & Traders Savings Bank recognizes and respects your privacy expectations. We want you to understand our commitment to your privacy. If you have questions about this privacy information please do not hesitate to call us at 515-885-2341.