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.

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 Ohio law and agree that jurisdiction and venue shall be located in Pomeroy, Meigs County, Ohio.

Through this site Farmers Bank provide 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 offers, rates, terms and other information provided are SUBJECT TO CHANGE WITHOUT NOTICE.

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.

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 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 are 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.

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. Malicious viruses can sometimes be used, however, 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.
 
 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.  

 At Farmers Bank, customer security is very important to us. 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 welcomes feedback from visitors to our web site www.fbsc.com and you may do so by addressing your e-mail to webmaster@fbsc.com. If you do choose to contact us via e-mail, please keep in mind that your e-mail address and any other information your e-mail header shows about you, such as your name, organization will be revealed to us in the e-mail. We promise, however, that when you communicate with us via e-mail, we will use your e-mail information only for the specific purpose of responding to your comments or questions. Your e-mail address will not be sold, nor will it be shared with others outside the bank without your prior consent, unless we are compelled to do so by law.  Electronic e-mail is not necessarily secure against interception. If your information is very sensitive, or includes personal or confidential information -- such as your bank account, Visa Debit Card, or social security number -- you may want to send it by postal service.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 branch location.We reserve the right to change these terms and conditions at any time without notice.