Privacy Statement

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

This is our privacy notice for our customers.

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 from a consumer reporting agency.

“Nonpublic personal information” is nonpublic information about you that we may obtain in connection with providing a financial product or service to you. This could include information such as account balances, payment history, or overdraft history.

We will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.

We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with which we have a joint marketing agreement:

• Information we receive from you on an application or other forms, such as “your name, address, social security number, assets, and income";

• Information about your transactions with us, our affiliates, or others, such as “your account balance, payment history, parties to transactions, and credit card usage”;

• Information we receive from a consumer-reporting agency, such as “your creditworthiness and credit history”.

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.

Because we value our customer relationship with you, we do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

If you have any questions regarding this policy, please contact the Farmers and Merchants State Bank of Alpha at 507-847-3620.