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Privacy Policy

 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 and account balances 
    -  income and checking account information 
    - transaction history and employment information

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 reason financial companies can share their
customers' personal information; the reason Farmers Bank and Trust Company chooses to
share; and whether you can limit this sharing. 
  Reasons we can share your personal      
   information        

     Does Farmers Bank and Trust   
Company 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 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 our affiliates to market to you

 No

We don't share

  For nonaffiliates to market to you

 No

We don't share

  Questions?                             Call 870-763-8101 or go to www.farmersbankbly.com                                                               

  What we do                                                                                                                                                                                                            

  How does Farmers
  Bank and Trust
  protect my personal
  information?                       
                                                                           

To protect your personal information from unauthorized access and use, we
use security measure that comply with federal law. These measures include
computer safeguards and secured files and buildings.

  How does Farmers
  Bank and Trust
  collect my
  personal information?


We collect your personal information, for example, when you 
    - apply for financing or make a wire transfer 
    - make deposits or withdrawals from your account or open an account 
    - provide employment information

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 for 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 nonfinancial companies. 
    Farmers Bank and Trust Company does not share with our affiliates.

 Nonaffiliates

Companies not related by common ownership or control. They can be financial
and nonfinancial 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 doesn't jointly market.

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