Farmers Bank & Trust Co.

NEBRASKA CITY, NEBRASKA  68410
Member FDIC

Nebraska City's only locally owned bank

 

FARMERS BANK & TRUST CO.
FINANCIAL PRIVACY PROCEDURES

FACTS:
WHAT DOES FARMERS BANK AND TRUST COMPANY DO WITH YOUR PERSONAL INFORMATION?

Why?
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.

What?
The types of personal information we collect and share depend on the product or service you have with us.  This information can include:

                        Social Security number             Transaction history
                        Account balances                     Checking account information
                        Payment history                       Wire Transfer instructions

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

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

Reasons we can share your personal information

Does Farmer Bank and Trust Co. Share?

Can you 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 purpose 

To offer our products and services to you

No

We donít share

For joint marketing with other financial companies

No

We donít share

For our affiliatesí everyday business purposes

Information about your transactions and experiences

 

No

 

We donít share

For our affiliatesí everyday business purposes

Information about your creditworthiness

 

No

 

We donít share

For nonaffiliates to market to you

No

We donít share

Questions?     Call 402-873-5573 or go to www.farmersbanknc.com

WHAT WE DO

 

How does Farmers Bank & Trust Co 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.

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does Farmers Bank & Trust Co collect my personal information?

We collect your personal information, for example, when you

-Open an account                  -Show your government-issued ID
-Make a wire transfer    -Show your driverís license
-
Make deposits or withdrawals from your account

Why canít I limit all sharing?

Federal law gives you the right to limit only

  -Sharing for affiliatesí everyday business purposes Ė information about your creditworthiness
  -Affiliates from using your information to market to you
  -Sharing for nonaffiliates 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.

DEFINITIONS

 

Affiliates

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

Farmers Bank and Trust Company has no affiliates.

Nonaffiliates

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

Farmers Bank and Trust Company does not share with nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Farmers Bank and Trust Company doesnít jointly market.

OTHER IMPORTANT INFORMATION

For Alaska, Illinois, Maryland and North Dakota Customers.  We will not share personal information with nonaffiliates either for them to market to you or for joint marketing- without your authorization.

For California Customers.  We will not share personal information with nonaffiliates either for them to market to you or for joint marketing- without your authorization.  We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi, and New Jersey Customers.  We will not share personal information from deposit or share relationships with non affiliates either for them to market to you or for joint marketing- without your authorization.

For Vermont Customers.  We will not share personal information with nonaffiliates either for them to market to you or for joint marketing- without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.

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