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Copyright Notice and Disclosures

Use of Information

Any person is hereby authorized to view the information available from this web site for informational purposes only. No part of the information on this site can be redistributed, copied, or reproduced without prior written consent of Farmers and Merchants State Bank, located in Paynesville, MN.

Copyright Information

©2005 Farmers and Merchants State Bank, Paynesville, MN All Rights Reserved
©2005 The Forms Group, Scottsdale, AZ All Rights Reserved

All information in this site is protected by a compilation copyright in the United States of America based on U.S. Copyright Law (17 U.S.C. sec.101 et seq) and International Copyright Laws and may not be reproduced in whole or in part. Unless otherwise specified, no one has permission to copy or republish, in any form, any information found on this site.

Trademark Information

BankSITE® is a registered trademark of The Forms Group.

Disclaimer of Warranties

The information contained or accessed, and references to corporations, including their services and products, are provided "as is" without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or error-free or uninterrupted service.

Descriptions of, or references to, products, services or publications within Farmers and Merchants State Bank's web site does not imply endorsement of that product, service or publication. Farmers and Merchants State Bank makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. Farmers and Merchants State Bank specifically disclaims all warranties, express, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose.

This publication could include technical inaccuracies or typographical errors. Changes may be periodically made to the information herein.

Disclosures

Facts, data, & other information presented on Farmers and Merchants State Bank website pages are provided directly by Farmers and Merchants State Bank.

Farmers and Merchants State Bank, our employees, officers, directors and shareholders, as well as BankSITE®, are not responsible for typographical errors or errors of omission; and, we cannot guarantee that all information is accurate or complete.

Deposit information presented on the website of Farmers and Merchants State Bank is in accordance with the Federal Reserves Truth in Savings Act (12CFR230). Interest rates displayed for deposit products are based on Annual Percentage Yield (APY) and may fluctuate at any time.

Loan information presented on the website of Farmers and Merchants State Bank is in accordance with the Federal Reserve Truth in Lending Act (12CFR226). Interest rates displayed for loan products are based on an Annual Percentage Rate (APR) and may fluctuate at any time.

Safe Act
Farmers & Merchants State Bank - Registration #758197
Michael W. Johnson - MLO Registration #789980
Jeb M. Johnson - MLO Registration #1037972


Farmers and Merchants State Bank
125 E James Street P.O. Box 137
Paynesville,MN 56362
(320)-243-3702


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