PRIVACY POLICY
OF
FARMERS-MERCHANTS BANK & TRUST COMPANY
 

Protecting your privacy is important to Farmers-Merchants Bank & Trust Company and our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all of our employees for collection, use, retention, and security of nonpublic personal information.


We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to credit bureaus. We do not disclose any nonpublic personal information about you to anyone, except as permitted by law.

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.
 

Our Security Procedures

We also take steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. Employees who violate these standards will be subject to disciplinary measures. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.


YOU HAVE THE POWER TO STOP IDENTITY THEFT

 

There is a type of identity theft using the Internet called “phishing.” Pronounced “fishing,” that’s exactly what thieves are doing, fishing for your personal financial information. They want your account numbers, passwords, Social Security numbers, and other confidential information so they can use your financial accounts or run up bills on your credit cards.

In the worst case, you could find yourself a victim of identity theft. With the sensitive information obtained from a successful phishing scam, these thieves can take out loans or obtain credit cards and even a driver’s license in your name. They can do damage to your financial history and personal reputation that can take years to unravel. But if you understand how phishing works and how to protect yourself, you can help stop this crime.

How phishing works

Typically, you will receive an e-mail that appears to come from a reputable company that you recognize and may do business with, such as your financial institution. In some cases, the e-mail may appear to come from a government agency, perhaps a federal financial institution regulatory agency.

 

The e-mail will probably warn you of a serious problem that requires your immediate attention. It may use phrases such as “Immediate attention required,” or “Please contact us immediately about your account.” The e-mail may also state that unless you provide certain confidential information your account will be deactivated or closed. The e-mail will encourage you to click a link to go to the institution’s Website.

 

In a phishing scam, you could be redirected to a phony Website that may look exactly like the real thing. Sometimes, in fact, it may be the company’s actual Website. In those cases, a pop-up window will quickly appear for the purpose of collecting your financial information.

 

You may be asked to update your account information or to provide information for verification purposes: your Social Security number, your account number, your password, or the information you use to verify your identity when speaking to your financial institution, such as your mother’s maiden name or your place of birth.

 

If you provide the requested information, you may find yourself a victim of

identity theft.

 

YOU CAN FIGHT IDENTITY THEFT

 

Here’s how:

 

Never provide personal financial information, including your Social Security number, account numbers or passwords over the phone or the Internet, if you did not initiate the contact.

 

Never click on the link provided in an e-mail you think is fraudulent. In addition to stealing your personal information, the link may contain a virus that can contaminate your computer.

 

Do not be intimidated by an e-mail or caller who suggests dire consequences if you do not immediately provide or verify financial information.

 

If you are unsure whether a contact is legitimate, go to the company’s Website by typing in the site address or using a page you have previously book marked, instead of using a link provided by the e-mail.

 

If you fall victim to identity theft, act immediately to protect yourself. Alert your financial institution. Place fraud alerts on your credit files. Monitor your credit files and account statements closely.

 

Report suspicious e-mails or calls to the Federal Trade Commission through the Internet at http://www.ftc.gov/bcp/edu/microsites/idtheft/, or by calling 1-877-IDTHEFT (1-877-438-4338).

 

What to do if you fall victim

 

• Contact your financial institution immediately and alert them to the situation.

• Close accounts you think have been tampered with or opened fraudulently. Call the security or fraud department of each associated company or financial institution. Follow-up in writing and supply copies of supporting documents.
• It is important to notify credit card companies and financial institutions in writing. Send your letters by certified mail, return receipt requested, so you can document when and what the company received. Keep copies of your correspondence and enclosures.

• Report all suspicious contacts to the Federal Trade Commission through the Internet at http://www.ftc.gov/bcp/edu/microsites/idtheft/, or by calling 1-877-IDTHEFT (1-877-438-4338).
• Check with your state Attorney General’s office to find out if state law requires the police to take reports for identity theft. Check the Blue Pages of your telephone directory for the phone number, or check www.naag.org for a list of state Attorney General offices. 
 

If possible, file a report with local police or police in the community where the identity theft took place. Obtain a copy of the police report or the report number. It can help you deal with creditors who need proof of the crime. If the police are reluctant to take your report, ask to file a “Miscellaneous Incidents” report.

 

If you disclose sensitive information in a phishing attack, contact one of the three major credit bureaus listed below and discuss whether to place a fraud alert on your file. A fraud alert will help prevent thieves from opening a new account in your name.

 

Equifax

800-525-6285

P.O. Box 740250

Atlanta, GA 30374

www.equifax.com

 

Experian

888-397-3742

P.O. Box 1017

Allen, TX 75013

www.experian.com 

TransUnion

800-680-7289

P.O. Box 6790

Fullerton, CA 92634

www.transunion.com

 

FM Bank

337-332-4132

100 S. Main Street

Breaux Bridge, LA 70517

www.fmbanking.com

  

 

 

 

    

 

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