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Privacy Notice

Privacy Notice
FACTSWHAT DOES FARMERS AND MERCHANTS STATE BANK (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 Transaction History
  • Credit history and Income information
  • Account balances and Account transactions
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 informationDoes 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 		No We don't share
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 nonaffiliates to market to you No We don't share
Who we are

no

Who is providing this notice? FARMERS AND MERCHANTS STATE BANK (FM BANK)
What we do

no

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.
In addition, we maintain other safeguards to protect this information, and we restrict employee access to this information.
How does FM Bank collect my personal information? We collect your personal information, for example, when you
  • Open an account or make deposits or withdraawals from accounts
  • Make a wire Transfer
  • Apply for a loan or use your credit or debit card
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 your rights under North Dakota Law.
Definitions

no

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 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.

FM Bank doesn't jointly market.
Other important information
For North Dakota Customers: We will not share personal information with nonaffiliates, either for them to market to you or for joint marketing, without your authorization