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PRIVACY FACTS:
WHAT DOES F&M BANK AND TRUST CO. DO WITH YOUR PERSONAL INFORMATION?

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


Who is providing this notice?

                    F&M Bank and Trust Co. and
                Gorman & Gorman Home Loans 
  

WHAT WE DO

How does F&M Bank and Trust Co.
protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does F&M Bank and Trust Co.
collect my personal information?

We collect your personal information, for example, when you:

• Open an Account       • Provide employment information
• Apply for a loan          • Give us your employment history
• Give us your income information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.  

Why can’t I limit all sharing?

Federal law gives you the right to limit only:

• sharing for affiliates’ everyday business purposes — information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

DEFINITIONS

Affiliates

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

• F&M Bank and Trust Co. has no affiliates.

Non-affiliates

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

• F&M Bank and Trust Co. does not share with non-affiliates so they can market to you.

Joint marketing

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

• Our joint marketing partners include Money Concepts.

Questions?   Call 573-221-6424

 

Rev.07/2011

 

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