Companies related by common ownership or control. They can be financial and nonfinancial companies.

• Our affiliates include nonfinancial companies, such as Farmers State Agency of Adams, Inc.

Companies not related by common ownership or control. They can financial and nonfinancial companies.

• UNITED FARMERS STATE BANK does not share with nonaffiliates so they can market to you.

A formal agreement between nonaffiliated companies that together market financial products or services to you.

• UNITED FARMERS STATE BANK doesn't jointly market.