PLEASE READ AND UNDERSTAND THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE:

Farmers Bank and Savings Company, (hereinafter known as Farmers Bank) located in Pomeroy, OH requires that all the visitors to our site(s) on the Internet (the "Site") adhere to the following rules and regulations.

Governing Law

By accessing the Site you indicate your acknowledgment and acceptance of these terms and conditions. You agree that your use of this Site shall be governed by and construed in accordance with federal statutes and the laws of Ohio in which this financial institution has its headquarters; you agree that jurisdiction and venue shall be located in Pomeroy, Meigs County, Ohio.  This website is not intended for distribution to, or used by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

Through this site Farmers Bank provides valuable information to you about how we may serve you, whether you are a valued existing customer or shopping for new bank services. We hope our site answers your questions about our products and services, locations and hours.   Product offerings, rates, terms and other information provided are SUBJECT TO CHANGE WITHOUT NOTICE.

Copyright Notices

Copyright in the images, text, screens, and web pages appearing at the Site is owned by Farmers Bank or others as indicated. You may copy information from the Site for your personal or educational use only, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear, on the pages copied. The information and materials may not otherwise be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes, except as provided in these terms and conditions without the express written permission of Farmers Bank or its subsidiaries and/or licensor in regards to account documentation.

Website Content

Not all of the products or services described on the Site are available in all geographic areas. You may not be eligible for all the products or services described. Farmers Bank reserves the right to determine the eligibility for or availability of any product or service.

We will use our best efforts to include accurate and up to date information on the Site, but we make no warranties or representations as to the accuracy of the information. Completeness or accuracy of the information provided herein is not guaranteed; your account statement will remain the official record.

The information contained in this web site and its pages are not intended to provide legal, accounting, tax or financial advice and should not be relied upon for that purpose. You should consult with your tax, accounting or financial advisor before using any such information.

Limitation of Liability 

You agree that all access and USE OF THE SITE and its contents is AT YOUR OWN RISK. By using the Site, you acknowledge that we specifically disclaim any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with your access to or use of the Site, (even if we have been advised of the possibility of such damages) including liability associated with any viruses which may infect a user's computer equipment. However, malicious viruses can sometimes be used to gain access to your personal computer.  We encourage you to routinely scan your PC and diskettes using a reliable virus product to detect and remove any viruses.  Undetected or unrepaired viruses may corrupt and destroy your programs, files and even your hardware.  Also, you may transmit the virus to other computers.  You should ensure that you have a current and complete backup of your computer system.

Furthermore, Farmers Bank will not be liable for any difficulty in use, or for the incompatibility between this website and YOUR WEB BROWSER or OTHER site accessing program.  Nor will Farmers Bank be liable for any other problems you experience due to causes beyond our control. 

No license to you is implied in these disclaimers, except as may be otherwise expressly provided by written agreement between you and Farmers Bank.  

No Warranties

Any dated information on this site is “As Of” it’s date only.  We will use every reasonable effort to include accurate and current information on the site, but we make no warranties or representations as to the accuracy of the information, DATED OR OTHERWISE, AND WE EXPRESSLY DISCLAIM ANY AND ALL LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIAL.

All information, materials AND services contained in this site, including graphics, links, AND ANY other items are provided “AS IS”, “AS AVAILABLE” to the user without express or implied warranties of any kind including the warranties of merchantability, non-infringement of intellectual property, fitness for any particular purpose, AND FREEDOM FROM COMPUTER VIRUS. 

Privacy of Children 

This website is not directed to children, although we may periodically advertise special accounts that may be appropriate for children.  Parents of children interested in any of our online services should contact us at one of our office locations.

COPPA, the Children's Online Privacy Protection Act, protects children under the age of 13 from the collection of personal information on the Internet.  Farmers Bank respects the privacy of children. We do not knowingly collect names, emails addresses, or any other personally identifiable information from children.  We do not knowingly market to children, nor do we allow children under the age of 13 to open online accounts.

External Third Party Links

Our website may include links to other 3rd party web sites.  These links to external 3rd parties are offered as a courtesy and a convenience to our customers.  When you visit these sites, you will leave our website and will be redirected to another site.

Farmers Bank does not control linked 3rd party web sites; we are not an agent for these third parties nor do we endorse or guarantee their products. We make no representation or warranty regarding the accuracy of the information contained in linked sites.  We suggest that you always verify the information obtained from linked websites before acting upon this information. Also, please be aware that the security and privacy policies on these sites may be different from our policies, so please read third party privacy and security policies closely.  With regard to services or products purchased or obtained by you through the Site from a person or entity other than Farmers Bank, Farmers Bank makes NO WARRANTY OF MERCHANTABILITY OR WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE with regard to such services and products and Farmers Bank SPECIFICALLY DISCLAIMS ALL OTHER WARRANTIES with regard to such services or products.  

While using our website, you may still see our logo when linking to a 3rd party site.  A technique called “Framing” allows us to display our logo and look and feel while allowing you to browse another site at the same time.  It’s important to note that while you may still see our logo and frame, any information you provide to a 3rd party is not covered by our privacy or security policies.  For more information concerning this subject, please connect to External 3rd Party Links.

If you have questions or concerns about the privacy policies and practices of linked 3rd parties, please review their websites and contact them directly.  Farmers Bank privacy policy applies solely to the Customer Information collected by Farmers Bank.  

Security

At Farmers Bank, customer security is very important to us. Privacy is fundamental to the American way of life.  Our top priority is to protect the privacy of your personal account information, your financial information and your financial transactions. We maintain industry security standards and will continue to update our systems, as the technology becomes available. Our Internet Banking was designed with your protection and security in mind and has a secured connection from your home or office PC directly to Farmers Bank. Any and all Internet Banking requests for information must pass through distinct validation and control centers also known as Firewalls. Secure Socket Layering (SSL) protects all data transmission between your PC and Farmers Bank.

Farmers Bank has developed strict policies and procedures to safeguard your personal information. We restrict employee access to your sensitive personal information to a "need to know" basis. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We educate our employees about the importance of confidentiality and customer privacy.  We take appropriate disciplinary measures to enforce employee privacy responsibilities. We offer secure email through our Internet Banking service.  You should use the secure mail service anytime you send us sensitive personal information.

Our Internet Banking service provider, FundsXpress, has also developed security policies and procedures to protect the customer information that they must collect and maintain to help us process your banking transactions over the Internet. They have developed a top-of-the line security system to ensure your customer information is protected on the Internet and within the FundsXpress environment. For more information on the FundsXpress security measures, please visit their website at www.fundsxpress.com.

Farmers Bank welcomes feedback from visitors to our web site www.fbsc.com and you may do so by addressing your feedback by phoning 740 992 2136 or mailing to Farmers Bank, 211 West Second Street, Pomeroy, OH  45769.

If for any reason you may have questions regarding our security policies and procedures, please do not hesitate to contact us at (740) 992-2136 or visit our nearest location.

 We reserve the right to change these terms and conditions at any time without notice.

Updated August 28, 2008