Privacy Policy  Rev. 12/2010

 Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

 The types of personal information we collect and share depend on the products or services you have with us. This information can include:

• Social Security Number
• Payment History
• Credit History
• Mortgage rates and payments
• Checking account information
• Wire transfer instructions

When you are no longer our customer, we continue to share your information as described in this notice.

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Farmers and Merchants Bank chooses to share; and whether you can limit this sharing. 

For our everyday business purposes –
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

 No 

For our marketing purposes –
to offer our products and services to you

No

We don’t share 

For joint marketing with other financial companies

No

We don’t share 

For our affiliate’s everyday business purposes –
information about your transactions and experiences 

No 

We don’t share 

For our affiliate’s everyday business purposes –
information about your creditworthiness

No 

We don’t share 

For our affiliates to market to you

 No 

We don’t share 

For non-affiliates to market to you 

 No 

We don’t share 

Call 410-833-6600 or go to www.fmb1919.bank

How does Farmers and Merchants Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. 

How does Farmers and Merchants Bank collect my personal information?

We collect your personal information, for example, when you

• Open an account
• Apply for a loan
• Give us your contact information
• Make a wire transfer
• Show your driver’s license

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

• Sharing for affiliates’ everyday business purposes – information about your creditworthiness
• Affiliates from using your information to market to you
• Sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under State Law.

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

• Farmers and Merchants Bank does not share with our affiliates

Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

• Farmers and Merchants Bank does not share with non-affiliates so they can market to you.

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

• Farmers and Merchants Bank doesn’t jointly market. 

For Maryland Customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing – without your authorization.