Your Privacy is a Priority

At F&M Trust, we value our customer relationships. We want you to understand how we collect and use the information you provide as well as our commitment to ensuring your personal privacy. We are also committed to accurate, complete and current information in keeping with reasonable industry standards. Therefore, we pledge to respond to requests to review your information during normal business hours, upon reasonable notice. Additionally, we pledge to correct information in a timely manner. If you have any questions about how we protect your confidential information, please call or visit the nearest F&M Trust community office or contact us at 1-888-264-6116 or 717-264-6116.

Privacy is a Partnership

The privacy of your nonpublic personal information requires a partnership of you and us. You can take precautionary steps such as protecting your account numbers, PIN or personal identification number and not disclosing confidential information to unknown callers.

We protect your information that we collect by using a combination of safeguards. We permit access to your nonpublic information to those employees who need to know that information in order to provide you with financial products or services. We maintain physical, electronic and procedural safeguards to protect this information.

Why We Collect Information About You

In the process of serving your customer relationship, we collect a variety of information about you and use it only when we reasonably believe the information will be necessary or useful in providing you with the financial products and services that you request from us, as well as to assist us in identifying additional financial products and services that will help meet your financial needs and goals.

Categories of Information We Collect

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

• Information we receive from you on applications or other forms, such as address and date of birth;
• Information about your transactions and experience with us and/or our affiliates, such as your account balances, account activity, payment history, deposit history and parties to transactions;
• Information about your transactions with nonaffiliated third parties, such as your account balances, account activity and parties to transactions; and
• Information we receive from a consumer reporting agency.

Categories of Certain Nonaffiliated Third Parties to Whom We Disclose Information and Types of Information Disclosed

We are permitted under law to disclose nonpublic personal information about you to nonaffiliated third parties in certain circumstances. For example, we may disclose information to nonaffiliated third parties that perform services or functions on our behalf, such as data processing service companies, as necessary to administer such services.

Additionally, we may disclose the following information to companies that perform marketing services on our behalf, such as direct marketing companies, or to other financial institutions with which we have joint marketing agreements, such as insurance agents, securities broker-dealers or credit card companies:

• Information that we received from you on applications or forms, such as your address and date of birth; and
• Information about your transactions and experience with us, such as your account balances, account activity, payment history, deposit history and parties to transactions.

When we disclose nonpublic personal information about you under these circumstances, we require that the nonaffiliated third parties agree not to disclose or use the information for any purpose other than performing our agreement with them.

We will not disclose nonpublic information about you to nonaffiliated third parties except as permitted by law.

Federal law allows us to disclose nonpublic information under all of the above listed circumstances. You do not have a right to opt out of the disclosure of this information.

Former Customers

We have the same privacy policy and practices with regard to disclosing nonpublic personal information about our former customers as we do about our current customers.