Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Social Security number                       • Credit History
• Account Balances                                • Payment History
• Transaction History                              • Credit Scores

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons F&M Bank and Trust Company chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does F&M Bank and Trust Co. share?

Can you limit this sharing?

For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

             
YES

NO

For our marketing purposes— to offer our products and services to you

 
YES

NO

For joint marketing with other financial companies

YES

 NO

For our affiliates’ everyday  business purposes— information about your transactions and experiences

NO

       
       We don’t share

For our affiliates’ everyday business purposes— information about your creditworthiness

             
 NO

       
       We don’t share

For nonaffiliates to market to you

NO

       We don’t share