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Rev. 2/19

FACTS

WHAT DOES F&M BANK 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 and income
    • account balances and payment history
    • checking account information and wire transfer instructions


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 chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does F&M Bank 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 No We don’t share

For our affiliates’ everyday business purposes —

information about your transactions and experiences

Yes No

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

 

Questions?

 Call 1-800-888-1498 or go to fmbonline.com

 

What we do
How does F&M Bank 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 collect my personal information?
 
We collect your personal information, for example when you
 
  • open an account or deposit money
  • pay your bills or apply for a loan
  • make a wire transfer
 
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. See below for more on your rights under state law.

 

Definitions
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Farmers & Merchants Bank of Central California (F&M Bank) does not share with our affiliates.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • F&M Bank does not share with nonaffiliates so they can market to you.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • F&M Bank does not jointly market

 

Other important information
In accordance with California Law, we will not share information we collect about you with nonaffiliates except as permitted by law, for example, with your permission or to service your account.

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