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Community Bank

Rev. 12/2010

FACTS	WHAT DOES FARMERS STATE BANK OF HAMEL (FSBOH) 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 and Credit history Account transactions and Account balances Payment history and Transaction history 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 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 State Bank of Hamel chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does FSBOH share?	Can you limit this sharing?
For our everyday business purposes- such as to process your transaction, 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 affiliates' everyday business purposes- information about your transactions and experiences	NO	We Don't Share
For our affiliates' everyday business purposes- information about your creditworthiness	NO	We Don't Share
For nonaffiliates to market to you	NO	We Don't Share

Questions?

Call 763-478-6611 or go to www.fsboh.com

Who We Are
Who is providing this notice?	FARMERS STATE BANK OF HAMEL (FSBOH)

What We Do
How does FARMERS STATE BANK OF HAMEL 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 your information. Employee access to information is limited.
How does FARMERS STATE BANK OF HAMEL collect my personal information?	We collect your personal information, for example, when you Apply for a loan or Open an account Deposit money or Provide account information Use your credit or debit card 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 of affiliates' everyday business purposes- 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.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. *Farmers State Bank of Hamel does not have affiliates.*
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. *Farmers State Bank of Hamel does not share your information with non-affiliates to market to you.*
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. *FARMERS STATE BANK OF HAMEL (FSBOH) doesn't jointly market.*

Other important information