Privacy Statement

Farmers Savings Bank recognizes and respects our responsibility to protect our customer's private information. The success of a financial institution, like ours, depends heavily upon the level of trust and confidence it enjoys with its depositors, borrowers, and shareholders. In continuing our commitment to provide quality service to our customers, Farmers Savings Bank has adopted the following privacy statement for officers, directors, and employees. This privacy statement applies to individuals , and Farmers Savings Bank reserves the right to amend it at any time.

• Our Collection, Use, and Retention of Customer Information: We collect, use, and retain information about our customers only where we reasonably believe it would be useful in administering our business, and providing products, services, and other opportunities to our customers. We collect and retain information only for specific business purposes and will tell you why we are collecting and retaining it upon your request. We use information to protect and administer our customer's records, accounts, and funds; to comply with certain laws and regulations; to help design or improve products and services; and to understand your financial needs and provide you quality products and outstanding service. If you send us an e-mail, we may retain the content of the e-mail message and your e-mail address in order to respond to questions or concerns that you may have expressed.
• Our Maintenance of Accurate Information: We have implemented procedures to help assure that our customer's financial information is accurate, current, and complete in accordance with commercial standards. While some procedures are required by federal or state law, we also have procedures for responding to requests to correct inaccurate information in a timely manner, and to update information and remove old information. Customers should notify us immediately at Farmers Savings Bank, 218 Main Street - PO Box 20, Beaman, IA. 50609-0020, if they receive information regarding their relationship with us that they believe to be inaccurate.
• Limited Employee Access to Information: We have procedures and security levels that limit employee access to personally identifiable information. Appropriate disciplinary measures are taken to enforce employee privacy responsibilities.
• Restrictions on the Disclosures of Account Information: We do NOT disclose any nonpublic personal information about you to anyone, except as permitted by law. This might include disclosures necessary to service your account, perform joint marketing, provide services from our affiliates or prevent unauthorized transaction.
• Maintaining Customer Privacy in Business Relationships with Outside Third Parties: At times it is necessary to provide personally identifiable information about our customers to a third party, such as a vendor or service company we hire to provide services for one or more of your products. These vendors and service companies agree to safeguard our confidential customer information and must abide by applicable law.
• Our Internet Web Site:Visitors to the Farmers Savings Bank web site remain anonymous. We do not collect personal identifying information about site users, unless you choose to provide such information to us. 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 Farmers Savings Bank web site. It is not disseminated or sold to other organizations. Visitors should, however, keep in mind that e-mail is not necessarily secure against interception. If you do not agree with the use of this information, or are not comfortable with the level of privacy, cancel an e-mail before it is sent. Visitors should call us directly at 1-800-866-2640 if requests or statements include sensitive or private information, such as your account numbers, credit card numbers, or social security number. Farmers Savings Bank will never ask you for your Personal Identification Number (PIN) for your Farmers Savings Bank ATM, Debit, or Credit Card. If you are asked for this information, please call 1-800-866-2640 and report it to a customer service representative immediately.
• Protecting Children: Farmers Savings Bank does not knowingly solicit data from children, and we do not knowingly conduct on-line marketing to children. We recognize that protecting children's identities and privacy on-line is important and that the responsibility to do so rests with both the online industry and the parents.

If you believe Farmers Savings Bank has misused information obtained through our relationships with you or through our web site, or if you have any questions or concerns regarding this privacy policy, please contact Farmers Savings Bank at 1-800-866-2640 to solve any disputes.