Supplemental Information Regarding Financial Services Modernization Act (also known as the Gramm-Leach-Bliley Act) and the Fair Credit Reporting Act.

Farmers collects, maintains, and discloses information about its customers and former customers in accordance with federal and state laws. The two primary federal laws governing how we use customer information are the Financial Services Modernization Act (also known as the Gramm-Leach-Bliley Act) and the Fair Credit Reporting Act.

The Gramm-Leach-Bliley Act (GLBA) limits disclosure of "non-public personal information" to parties that are not affiliated with a company. The Fair Credit Reporting Act (FCRA) limits disclosure of credit-type information to both non-affiliated and affiliated companies.

The GLBA provides an "opt-out right" that enables you to tell companies if you do not want them to disclose information about you with non-affiliated third parties other than as permitted by the law. The GLBA identifies specific circumstances in which a company may share its customers' information. These include to provide services to its customers, when law enforcement requires it, and to offer financial products or services jointly with another financial institution. Farmers does not share information other than as permitted by the GLBA, so you do not have to opt out of any additional sharing.

The FCRA provides an "opt-out right" that enables you to tell companies if you do not want them to share certain credit information about you with their affiliates other than as permitted by law. The law allows companies to share information about their transactions and experiences with you. Certain other sharing is not permitted if you opt out of the affiliate sharing. Farmers does share information about you with its affiliates and you may opt out of any sharing other than that permitted by law.

To learn more about your rights and the federal laws that provide you with these rights, you may want to visit the Federal Trade Commission's website.