Our Privacy Commitment to You

We recognize, respect and protect the personal privacy rights of all our customers. We realize that our customers entrust us with personal information and it is our policy to maintain out customers' information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers' personal information, as well as personal information of all consumers who visit our institution and website.

Confidentiality and Security of Nonpublic personal Information

We restrict access to nonpublic personal information about you to the 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 We Disclose

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.

Nonpublic Personal Information We Disclose

We do not disclose nor do we reserve the right to disclose, any nonpublic personal information about our customers or former customers to anyone, except to other nonaffiliated third parities as permitted by law. We are permitted under law to share specific information about your accounts or personally identifiable data to either affiliated or non affiliated third parties when:

• You request it or authorize it.
• The Information is provided to help complete a transaction initiated by you.
• The information is provided to a credit reporting agency.
• The information is provided to affiliated or nonaffiliated third parties to assist us in servicing your account with us.
• The information is about our experiences or transactions with you or your account and is provided to our affiliates.
• Any other circumstance permitted or required by law.

Permitted Sharing of Information
We are permitted by law to share information about our experience with you (but not about your credit history obtained from an application or a credit report) with our affiliates. We may share information with our affiliates to protect you from fraud, to provide quick response to your service needs, to identify other services that may be appropriate and beneficial for you, and to develop or enhance products and services to better meet your needs.

Notify Us of Inaccurate Information We report to Consumer Reporting Agencies

Please notify us if we report any inaccurate information about your accounts to a consumer reporting agency. Your written notice describing the specific inaccuracy(ies) should be sent to us at the following address: Farmers & Merchants State Bank of Clarkfield, 940 10th Avenue, Clarkfield, MN 56223.