PRIVACY PROTECTION POLICY NOTICE

Protecting your privacy is important to F&M Bank and Trust Co. and our employees. We want you to understand what information we collect and how we use it. The following privacy principles were established to maintain the security, integrity and confidentiality of your personal financial information.

What Information We Collect

“Nonpublic personal information” is nonpublic information about you that we obtain in connection with providing a financial product or service to you. We may 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, and
• Information we receive from a consumer reporting agency   

What Information We Disclose

We may disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law. We may disclose the following kinds of nonpublic personal information about you:

• Information we receive from you on applications or other forms, such as your name, address, social security number, assets and income.
• Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, parties to transactions, and credit card usage.
• Information we receive from a consumer reporting agency, such as your creditworthiness and credit history. 

Parties to Whom We Disclose

We may disclose all the information we collect, as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Also, we may disclose nonpublic personal information about you to the following types of affiliates: financial service providers, such as securities brokers and insurance agents.

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

Our Security Procedures

We restrict access to nonpublic personal 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.