ItsEasy.TO EARN0PRAPYWITHPERFORMANCE REWARDSCHECKINGDO THIS:GET THIS:4.00% APY UP TO $20,000FREE ATMs Nationwide.Sign Up for E-StatementsSet Up One Automatic Payment or Direct DepositAccess Online Banking Once Each Cycle10 Check Card Transactions Each Cycle No Monthly Fee or Minimum BalanceUnlimited Check WritingLEBANONMT JULIET615-444-4841 615-553-5120YoUR MONEYSMART CHOICE!BANKmyfmbank.comMember FDIC5MLS#518158:"To quality for the Performance Rewards Checking interest rate, and to be reimbursed for non F&M ATM transactions, you must meet the requirements listed above each statement cydle.f you meet the above requirements a 4 00% APY Annual Percentage Yeld) will be paid on balances of $20,000 00 and below an APY range of 4 00% to 2.20% on bala S from$20,000.01 up to $50,000.00, and a APY range of 2.20% to 059% 0 balances above $50,000.00. Interest compo ded monthly. Interest rates are variable and subject to change $100minim um opening balance 1 you do not meet the above requ ements during your monthly statement cycle you will earn 5% APY on your entire balance. At our discretion, we maychange the qualification requirements and/or the balance tier on your account at any time. A 30-day notice will be provided for either of these two changes. APYs accurate as of 02/28/18All requirements waived during your first statement cycle. Consumer only. Limit two accounts per household. Fees may reduce earnings.

Date: March 13, 2018

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F&M Bank

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Its Easy. TO EARN 0 PR APY WITH PERFORMANCE REWARDS CHECKING DO THIS: GET THIS: 4.00% APY UP TO $20,000 FREE ATMs Nationwide. Sign Up for E-Statements Set Up One Automatic Payment or Direct Deposit Access Online Banking Once Each Cycle 10 Check Card Transactions Each Cycle No Monthly Fee or Minimum Balance Unlimited Check Writing LEBANONMT JULIET 615-444-4841 615-553-5120 YoUR MONEYSMART CHOICE! BANK myfmbank.com Member FDIC 5MLS#518158 :" To quality for the Performance Rewards Checking interest rate, and to be reimbursed for non F&M ATM transactions, you must meet the requirements listed above each statement cydle. f you meet the above requirements a 4 00% APY Annual Percentage Yeld) will be paid on balances of $20,000 00 and below an APY range of 4 00% to 2.20% on bala S from $20,000.01 up to $50,000.00, and a APY range of 2.20% to 059% 0 balances above $50,000.00. Interest compo ded monthly. Interest rates are variable and subject to change $100 minim um opening balance 1 you do not meet the above requ ements during your monthly statement cycle you will earn 5% APY on your entire balance. At our discretion, we may change the qualification requirements and/or the balance tier on your account at any time. A 30-day notice will be provided for either of these two changes. APYs accurate as of 02/28/18 All requirements waived during your first statement cycle. Consumer only. Limit two accounts per household. Fees may reduce earnings.

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