Our Privacy Policy

The directors, management, and staff of F & M Financial Services, Inc. and its affiliates are concerned about and respect the privacy of our customers' personal financial information. We understand that our customers furnish sensitive information to us in the course of daily business, and we are committed to treating such information responsibly. We know that our customers expect privacy and security for their personal and financial affairs. We will take all the necessary steps to safeguard sensitive information that has been entrusted to us by our customers. The following privacy policy and disclosure outlines our practice regarding personally identifiable financial information for consumers and those consumers who become our customers.

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

• 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.

Nonpublic personal information does not include that which is available from government records, widely distributed media, or government-mandated disclosures.

We do not disclose any nonpublic personal information about our customers or former customers to anyone except as permitted by law.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services toyou. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. We thank you for your business and look forward to serving you for many years to come. If you have any questions, please feel free to contact:

F & M Financial Services, Inc.
F & M Community Bank, N.A.
Root River Insurance Agency, Inc.
d.b.a. F & M Insurance Services
Attn: Financial Privacy Coordinator
PO Box 467
Preston, MN 55965
or call 507-765-3823 or 800-950-4745