Privacy and Security

Privacy Statement

FACTS WHAT DOES FM 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 account balances
  • credit history and income
  • payment history and 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 FM BANK chooses to share; and whether you
can limit this sharing.
Reasons we can share your personal information Does FM 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		 No We Don’t Share
For our affiliates’ everyday business purposes—
information about your creditworthiness		 No We Don’t Share
For affiliates to market to you No We Don’t Share
For nonaffiliates to market to you No We Don’t Share
Questions? Call 320-564-2111 or go to www.mybankfm.com
Who we are
Who is providing this notice? FM BANK
What we do
How does FM 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 FM BANK
collect my personal
information?		 We collect your personal information, for example, when you

  • open an account or deposit money
  • use your credit or debit card 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.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • FM BANK does not share with our affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • FM 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.

  • FM BANK doesn’t jointly market.
Other Important Information