We're So Confident You'll LoveBanking with F&MWe'll Pay You Up ToWhen You Open a NewExpress Checking or VIP Interest CheckingAccount615-444-4841 615-553-5120LEBANONMT JULIETYOUR MONEY SMART CHOICE!BANKMeonbarFDIC .austis NMLS.518158 . myfmbank.comTo receive the full $250 bonus (1) open the checking account with a minimum deposit of $100 and (2) set up a qualitying, monthly direct deposit or deposits totaling $500 ormore within 30 days af account opening. Checking account must be opened with funds NOT on deposit at F&M Bank and direct deposit cannot draw from an F&M accountBonus will be paid as tollows: (1)$50 will be added to your balance at the tme of account opening, (2) $200 will be deposited when the first monthly direct deposit's) totalingthe minimum of $500 is received and pcsted to your account. Cannot be combined wth other checking offers. Limit one bonus per household. Not available for existingF&M checking account customers or customers with checking accounts that have been closed by F&M within the last 12 months. Bonus will be reported as interestincome on FORM 1099-INT. VIP Interest Checking is a variable rate account with an interest rate of .15%). 15% APY (Annual Percentage Yield) earned on total balanceand compounded monthly. An $8 maintenence fee may be avoided per statement cycle with a $500 minimum daly balance or direct deposit posted to the account perstatement cycle. Fees may reduce earnings. Limited Time Offer .

Date: February 27, 2018

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We're So Confident You'll Love Banking with F&M We'll Pay You Up To When You Open a New Express Checking or VIP Interest Checking Account 615-444-4841 615-553-5120 LEBANON MT JULIET YOUR MONEY SMART CHOICE! BANK Meonbar FDIC .austis NMLS.518158 . myfmbank.com To receive the full $250 bonus (1) open the checking account with a minimum deposit of $100 and (2) set up a qualitying, monthly direct deposit or deposits totaling $500 or more within 30 days af account opening. Checking account must be opened with funds NOT on deposit at F&M Bank and direct deposit cannot draw from an F&M account Bonus will be paid as tollows: (1)$50 will be added to your balance at the tme of account opening, (2) $200 will be deposited when the first monthly direct deposit's) totaling the minimum of $500 is received and pcsted to your account. Cannot be combined wth other checking offers. Limit one bonus per household. Not available for existing F&M checking account customers or customers with checking accounts that have been closed by F&M within the last 12 months. Bonus will be reported as interest income on FORM 1099-INT. VIP Interest Checking is a variable rate account with an interest rate of .15%). 15% APY (Annual Percentage Yield) earned on total balance and compounded monthly. An $8 maintenence fee may be avoided per statement cycle with a $500 minimum daly balance or direct deposit posted to the account per statement cycle. Fees may reduce earnings. Limited Time Offer .