This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:
All of our consumer customers who have a continuing relationship with us, such as:

• Deposit account
• Loan account
• Safe deposit box (Not FDIC insured)
• Self-directed Individual Retirement Account where we act as custodian or trustee

We will tell you the sources for nonpublic personal information we collect on our customers.
We will tell you what measures we take the secure that information.

We first define some terms:

• We, our, and us means Farmers State Bank.
• Nonpublic personal information means information about you that we collect in
  Connection with providing a financial product or service to you.  Nonpublic personal
  Information does not include information that is available from public sources, such
  As telephone directories or government records.
• An affiliate is a company we own or control, a company that owns or controls us, or a
  Company that is owned or controlled by the same company that owns or controls us.
  Ownership does not mean complete ownership, but means owning enough to have
  Control.
• A nonaffiliated third party is a company that is not an affiliate of ours

THE INFORMATION THAT WE COLLECT
We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with nonaffiliated third parties
• Information from a consumer-reporting agency

We do not disclose any nonpublic personal information about you to anyone, except as permitted by law.

THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR
NONPUBLIC PERSONAL INFORMATION

We restrict access to nonpublic personal information about you to those employees who need to know 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.

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED
THIRD PARTIES

Since we value our customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS

We do not disclose nonpublic personal information about former customers.
USA PATRIOT ACT
According to the Federal Trade Commission, identity theft is the fastest-growing crime in the
country. Our ability to feel safe is becoming more difficult with terrorism and crime on a
steady increase.

But there is hope.... The USA Patriot Act has paved the way for financial institutions to help
Prevent fraud, identity theft and the spread of terrorism. It requires financial institutions to
Obtain more information from an individual or legal entity to help establish identity.

Your cooperation is needed when you open a new account or request a loan. You may be asked more questions to establish and confirm your identity. It may also be required for you to provide one or more of the following types of identification:

• Driver's license
• Passport and country of issuance
• U.S. taxpayer identification (ID) number
• Alien ID card
• Any other government-issued document evidencing nationality or residence