Protecting your privacy is important to Farmers Bank of Northern Missouri 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 Farmers Bank of Northern Missouri employees for collection, use, retention, and security of nonpublic personal information.

We may collect "nonpublic personal information" about you from the following sources:

• Information we receive from you on applications or other loan and account forms;
  
• Information about your transactions with us, our affiliates, or others; and
  
• Information we receive from third parties such as credit bureaus.

"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history.

We are permitted under law to share information about our experiences or transactions with you or your account ( such as your account balance and your payment history with us ) with companies related to us by common control or ownership ("affiliates"). We also may share additional information about you or your account ( such as information we receive from you in applications and information from credit reporting agencies ) with our affiliates. You may direct us not to disclose to our affiliates information that does not relate solely to our experiences or our affiliates' experiences or transactions with you or your account ( such as application information and credit bureau information ) by calling us at 1-800-515-FBNM (3266).

We also are permitted under law to disclose nonpublic personal information about you to "nonaffiliated third parties" ( i.e., third parties that are not members of our corporate family ) in certain circumstances. For example, we may disclose nonpublic personal information about you to such third parties to assist us in servicing your loan 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 any other third parties, except as permitted by law.

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

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. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

CHILDREN'S ONLINE PRIVACY PROTECTION ACT (COPPA)

The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13.  Farmers Bank of Northern Missouri websites and online services are not directed to children under the age of 13, nor is information knowingly collected from them. For additional information on COPPA protections visit the Federal Trade Commission's website at  www.ftc.gov/coppa