Disclosures 

F&M Bank has taken reasonable measures to ensure that the information and data it presents on this website is accurate and current. However, F&M Bank makes no express or implied warranty regarding such information or data, which may have been provided by third parties. F&M Bank hereby expressly disclaims all legal liability and responsibility to persons or entities that use or access this site and its content, based on their reliance on any information or it’s data that is available through this website.

The content of this website is not designed or intended to provide authoritative financial accounting, investment, legal or other professional advice, which may be reasonably relied on by its readers. If expert assistance in this area is required, the services of a qualified professional should be sought.

Reference to any specific commercial product, process, or service by trade name, trademark, manufacturer, or otherwise does not constitute an endorsement, a recommendation, or a favoring by F&M Bank.

Our website provides links to other websites for convenience and informational purposes only. Users should be aware that all websites are not protected. F&M Bank is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. F&M Bank is not responsible for any transmission received from a linked site.

This is protected website. It is unlawful to intentionally cause damage to it or data through the knowing transmission of any program, computer virus, information, code or command. This system and related equipment may be subject to monitoring.

The general disclaimer is in addition to any disclaimers F&M Bank may have in our general banking documents. The terms of this disclaimer extend to F&M Bank, its directors, officers, and employees. Contact F&M Bank at (800)645-4199 or click Contact Us for questions or additional information.

Equal Housing Disclosure

WE DO BUSINESS IN ACCORDANCE WITH FEDERAL FAIR LENDING LAWS.

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:

Deny a loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling, or to deny any loan secured by a dwelling; or

Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan or in appraising property.

If you believe you have been discriminated against, you should send a complaint to:

Assistant Secretary of Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Washington, D.C. 20410

For processing under the Federal Fair Housing Act

And to:

FDIC Consumer Response Center
1100 Walnut St. Box 11
Kansas City, Missouri 64106

For processing under the FDIC Regulations

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:

• On the basis of race, color, national origin, religion, sex, marital status, or age;
• Because income is from public assistance; or
• Because a right has been exercised under Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Director, Consumer Affairs Office of Thrift Supervision Washington, D.C. 20552