Our Privacy Policy

At F&M Bank, the basis of each customer relationship, many of which span generations, is trust.  As financial service professionals entrusted with sensitive information, we respect the privacy of our customers and we are committed to treating customer information responsibly.

We want to make sure you are fully informed about our privacy commitment.  This notice explains our privacy policy and demonstrates our commitment to maintaining the highest level of security, confidentiality and privacy.

Information We Collect About You

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms;
• Information about your transactions with us, our affiliates, or others;
• Information we receive from a consumer-reporting agency;
• Information we receive from visitors to our website, such as those provided through online forms.

“Nonpublic personal information” is nonpublic information about you that we obtain in connection with providing a financial product or service to you.  For example, nonpublic personal information includes information regarding your account balances, payment history, overdraft history, etc.

Categories of Non-Public Information We May Disclose

We may disclose the following kinds of nonpublic personal information about you:

• Information we receive from customers on applications or other forms, such as their name and address.  We will not share account numbers, transaction history, payment history, etc. outside of the law.

Categories of Affiliates to Whom We May Disclose

We may disclose nonpublic personal information about you to the following types of affiliates:

• Financial services providers, such as our investment and insurance affiliates

Service Providers and Joint Marketers

We may disclose the following information to companies that perform marketing services on our behalf to entities with whom we have joint marketing agreements as follows:

• Information we receive from customers on applications or other forms, such as your name and address.

The entities with whom we share information are service providers that perform marketing services on our behalf.

Confidentiality & Security

• We restrict access to nonpublic information about you to those employees who need to know that information to provide products or services to you.
• We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Internet Privacy

Visitors to F&M Bank's Web site remain anonymous. Portions of our web site may use a 'cookie' which is a file placed on your system allowing the Bank's web server to log the pages you used in the web site. F&M Bank uses this information to create summary statistics and to determine the level of interest in information available on our site.

F&M Bank will at all times treat the information supplied through a 'cookie' with the same security and privacy protection as any other customer information we receive.

Your confidence in us is important and we want you to know that your personal and account information is safe. If you have any questions or concerns, please contact us.

Fair Credit Reporting Act

F&M Bank is providing this notice. Federal law gives you the right to limit some but not all marketing from our affiliates. Federal law also requires us to give you this notice to tell you about your choice to limit marketing from our affiliates.

You may limit our affiliates in the F&M Bank group of companies, such as our Investment affiliate from marketing their products or services to you based on your personal information that we collect and share with them. This information only includes:

• Name
• Address

Your choice to limit marketing offers from our affiliates will apply until you tell us to change your choice. If you have already made a choice to limit marketing offers from us, you do not need to act again.

To limit marketing offers, contact us:

Important Privacy Choices For Consumers

You have the right to control whether we share some of your personal information. Please read the following information carefully before you make your choices below.

Your Rights

You have the following rights to restrict the sharing of personal and financial information with our affiliates (companies we own or control) and outside companies that we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give the best service on your accounts with us. This includes sending you information about some other products or services.

Your Choices

Restrict Information Sharing With Companies We Own or Control (Affiliates):

YES, you may share personal and financial information with your affiliated companies.

NO, please do not share personal and financial information with your affiliated companies.

Restrict Information Sharing With Other Companies We Do Business With To Provide Financial Products And Services:

YES, you may share personal and financial information with outside companies you contract with to provide financial products and services.

NO, please do not share personal and financial information with outside companies you contract with to provide financial products and services.

You may make your privacy choices at any time. If we do not hear from you we may share some of your information with affiliated companies and other companies with whom we have contracts to provide products and services.

To exercise your choices respond in one of the following way: