Statement on the Privacy of Customer Information

Farmers Trust & Savings Bank respects the privacy expectations and rights of its customers regarding financial information and other related information which the bank has or gathers in the normal course of business.  Farmers Trust & Savings Bank collects, retains, and uses information about individual customers only when we believe it would be useful (and allowed by law) in administering our business and to provide products, services, and other opportunities to customers. This information is obtained from application information, transaction information, consumer report information, and may be obtained from affiliates.

 Information We Collect About You

We collect non public personal information about you from the following sources:

• Information we receive from you on applications or other forms such as "your name, address, e-mail 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 bill payer history."

• Information we receive from a consumer reporting agency, such as "credit worthiness and credit history."

No Disclosure Outside of Exceptions

"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, and overdraft history. 

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 adhere to the privacy policies and practices as described in this notice.

Confidentiality and Security

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.

If you have any questions regarding this policy, please contact Todd Langenfeld at 712-747-2000.

Additional information regarding web site privacy

Our bank respects your privacy.  Through our Web site, we strive to provide valuable information to you about how we may serve you, and whether you are a valued existing customer or someone shopping for new bank services, we hope our site answers your questions about our products and services, locations, and hours. 

We do not gather information on individual users on our Web site. We do collect and store information about the name of the domain from which you access the Internet, such as compuserve.com or att.net, the date and time you access our site, and the internet address of the Web site from which you linked to us.  Other than that, we collect information on visitors only in aggregate and use it for internal review purposes only.  This information simply enables us to tell which areas of the site are of most interest to our users, which avenues of site promotion are most effective, and when peak usage times are. 

Our Web site does not require you to disclose any personally identifying information.  If, however, you choose to contact us via e-mail please, keep in mind that your e-mail address, and any other information your e-mail header shows about you, such as your name or organization, will be revealed to us in e-mail.  We pledge, however, that when you communicate with us via e-mail, we will use your information only for the specific purpose of responding to your comments of questions.  Your e-mail address will not be sold, nor will it be shared with others outside the bank unless we are compelled to do so by law. 

We highly recommend that you DO NOT include personal nonpublic information (such as account numbers or social security numbers) in your e-mail as e-mail is not a secure communication device. 

Cookies are used to estimate our audience size.  Each browser accessing our site is given a unique cookie, which is then used to determine whether a user is a first-time visitor or a return visitor.  This helps us deliver better service by understand whether the majority of those accessing the site are new or repeat visitors.