BENEFITS AVAILABLE THROUGH JUNE 28, 2013

Your benefits are awarded based on a total combined deposit balance of $75,000 or a combined deposit and loan balance of $100,000 as of 02-15-13. A personal checking account is required and accounts must be maintained in good standing.

• Special CD Bonus. Bonus Rate varies. Ask us for details.
• Up to $100 Discount on New Personal and Installment Loan Fees.*
• Free Basic Checks or 50% Discount on Specialty Checks.
• Reimbursed F&M Fees on non-F&M ATM transactions (upon request).
• Increased F&M ATM Daily Withdrawal Limit (upon request).
• Increased F&M Debit Card Spending Limit (upon request).
• No Fee for Cashiers Checks and Travelers Checks.
• 50% Annual Discount on One Safe Deposit Box Rental (as available).
• No Fee on F&M VISA® Gift Cards (limit five).
• A $500 Value - Free Financial "Physical" from F&M Investment Services**
  (Call 931-553-2048 for more information).