Services and Fees. This document is current as 12/7/17.

Transcription

1 Services and Fees This dcument is current as 12/7/17. Prduct terms, cnditins, benefits, pricing, and fees are subject t change with r withut ntice. Member FDIC fmb.cm Rev. 12/7/17

2 TABLE OF CONTENTS PERSONAL SCHEDULE OF FEES... 5 BUSINESS SCHEDULE OF FEES... 6 ACCOUNT ANALYSIS SCHEDULE OF FEES... 7 ACCOUNTS... 8 Bankruptcy Trustee Accunt... 8 Business Checking Analyzed... 8 Business Checking Nn Analyzed... 8 Certificates f Depsit Day Market Rate Certificate f Depsit and 182 Day; 12 23; 24 35; 36 47; 48; and 60 Mnth Market Rate Certificate f Depsit... 9 Bnd Certificate f Depsit Lan Cllateral Certificate f Depsit Christmas Club Accunt Classic Checking Cllege Checking Elite Checking Gld Checking Health Savings Accunt (HSA) Interest n Checking (Business) Interest n Checking (Persnal) Individual Retirement Accunts (IRAs) (Traditinal r Rth) , 12, 18, 24, 36, 48 and 60 Mnth Market Rate IRAs Market Rate Mney Market (Business) Market Rate Mney Market (Persnal) Market Rate Savings (Business) Market Rate Savings (Persnal) Persnal Checking Platinum Checking Senir Checking Member FDIC fmb.cm Rev. 12/7/17

3 State Bar Assciatin/IOLTA Teen Checking Varsity Checking Yuth Savings SERVICES Escrw Services F&M Credit Cards F&M Business Credit Card F&M Pints Rewards Persnal F&M Credit Card F&M Cash Rewards F&M Credit Card Alerts Freign Currency Exchange/Purchase Lans Business Credit Persnal Credit Lckbx Electrnic Lckbx Medical Electrnic Lckbx (Med eslutins) MasterMney Debit Cards Business Debit Card Persnal Debit Card Debit Card Fraud Alerts Merchant Services Night Depsit Ntary Online Banking ACH Originatin Bill Pay Business Online Banking Business Online Banking with Cash Manager Mbile Banking Member FDIC fmb.cm Rev. 12/7/17

4 Mbile Check Depsit Text Banking Overdraft Features Sweep Transfer Services Ready Cash Depsit (RCD) Bunce Prtectin SM Physician Banking with Cncierge Service Psitive Pay Pre-Paid Gift Cards Remte Depsit Capture (RDC) Check Image Depsit Safe Depsit Bxes Smart Safes Telebanker Traveler s Cheques Trust Services USA Patrit Act Disclsure Investment Services Nt FDIC Insured Member FDIC fmb.cm Rev. 12/7/17

5 PERSONAL SCHEDULE OF FEES Bank Fees Accunt Histry... $2.00 Bnd Cupn Cllectin... $7.50 Chargeback... $6.00 Checks/Depsit Slips... Per Catalg Pricing ATM Service Charge)... $1.50 Endrsement Stamp... Per Catalg Pricing Escheatment Ntice... $2.00 Legal Prcess... $ Paper Statement Fee... $3.00 Research Per hur (1 hr minimum, prrated thereafter). $30.00 Stp Payment (ACH r Check)... $20.00 Cashier s Checks Client... $6.00 Nn-Custmer... $8.00 Cllectin Prcessing Incming Dmestic... $40.00 Incming Internatinal... $50.00 Outging Dmestic (plus crrespndent bank fees)... $15.00 Outging Internatinal (plus crrespndent bank fees).. $30.00 Cpy Per Item (checks and misc. items)... $2.00 Per Statement Withut Images... $4.00 Per Statement With Images... $6.00 Per CD-ROM Statement (nt available t new accunts). $15.00 Currency (in r ut) Per $1, Depsited... $1.40 Per $1, Prvided... $1.25 Early Accunt Clsure Checking Accunts (within 90 days f pening)... $10.00 Savings Accunts (within 1 year f pening)... $5.00 Mney Orders Client... $4.00 Nn-Custmer... $6.00 Ntary Services (fr nn-bank required and/r related dcuments) Ntice f Nnpayment f a Prmissry Nte/Signature... $5.00 Acknwledgements, Jurats, etc./signature... $10.00 Online Banking Online Banking Per Mnth... N Charge Stp Payment F&M Paper Check Per Request... $20.00 Bill Pay Per Mnth/Per Lg-In ID (up t 15 pmts/mnth).. $5.00 Each Additinal Bill Pay ver 15 payments/mnth... $0.40 Each Additinal Elite Bill Pay ver 5 payments/mnth... $0.40 Paid Return Item Fee Per Item... $20.00 Stp Payment Draft (Stp Payment Request)... $15.00 Re-Issue Draft Per Draft Item... $15.00 Overnight Delivery Draft Per Request... $15.00 Overdrafts Nnsufficient Funds Per Overdraft ($200 max per day).. $20.00 Pre-Paid Gift Cards MasterCard Pre-Paid Gift Card Activatin Fee/Card... $3.00 Inactivity Fee/Mnth (assessed after 12 cnsecutive mnths f inactivity)... $2.95 Replacement f lst r stlen card... $5.00 Safe Depsit Bx Key Depsit... $20.00 Frced Entry... $ Annual Rent... Varies based n bx size Transfer f Funds Sweep Transactin... $5.00 Telephne Transactin... $2.00 Traveler s Cheques Cheques fr Tw requiring 2 signatures 2% f purchase price Wire Transfers Dmestic Outging Dmestic Wire entice... $25.00 Outging Dmestic Wire Mail Ntice... $28.00 Incming Dmestic Wire entice... $7.00 Incming Dmestic Wire Mail Ntice... $10.00 Wire Transfers Internatinal Outging Internatinal (crrespndent fees included)... $60.00 Incming Internatinal Wire entice... $7.00 Incming Internatinal Wire Mail Ntice... $10.00 Teen, Cllege, Elite, Varsity, Senir, Classic, Gld and Platinum Checking Accunts include additinal prducts and services, sme at a discunted r waived fee schedule. Fr mre infrmatin, please see the accunt details r yur accunt agreement. Overdrafts Nnsufficient Funds Per Overdraft ($150 max per day).. $30.00 Transfer f Funds Sweep Transactin (Teen Checking)... $5.00 Sweep Transactin (Cllege Checking)... $8.00 Sweep Transactin (Senir, Classic Checking)... $9.00 Telephne Transactin (Teen, Cllege, Senir, Classic Checking)... $10.00 Please Nte: Prices subject t change. Certain accunts may have fees fr services nt nted in this schedule. Please review yur accunt agreement fr details. Member FDIC fmb.cm Rev. 12/7/17

6 BUSINESS SCHEDULE OF FEES Bank Fees Accunt Histry... $2.00 Bnd Cupn Cllectin... $7.50 Business Statement n CD-ROM (nt available t new accunts)... $15.00 Chargeback (Check)... $6.00 Checks/Depsit Slips... Per Catalg Pricing Curier Services... Per Agreement + 10% ATM Service Charge... $1.50 Depsit Bag (dispsable)... $0.25-$0.80 Depsit Crrectin... $5.00 Endrsement Stamp... Per Catalg Pricing Escheatment Ntice... $2.00 Legal Prcess... $ Psitive Pay Service Per Mnth.... $25.00 Research Per Hur (1 hur minimum, prrated thereafter)... $30.00 Special Statement... $4.00 Stp Payment (ACH r Check)... $20.00 Business Online Banking Business Online Banking Per Mnth... N Charge Stp Payment F&M Paper Check Per Request... $20.00 Bill Pay Per Mnth/Per Lg-In ID (up t 15 payments/mnth)... $5.00 Each Additinal Bill Pay ver 15 payments/mnth... $0.40 Paid Return Item Fee Per Item... $20.00 Stp-Payment Draft Per Request... $15.00 Re-Issue Draft Per Item... $15.00 Overnight Delivery Draft Per Request... $15.00 Business Online Banking with Cash Manager Cash Manager Per Mnth (up t 3 Lg-In IDs)... $14.95 Each Additinal Lg-In ID (Emplyee Access Cntrl)... $2.00 ACH Item Originatin Per Item... $0.10 ACH Originatin Chargeback... $6.00 ACH Reversal... $30.00 Stp Payment F&M Paper Check Per Request... $20.00 Online Banking Outging Dmestic Wire entice....$20.00 Online Banking Outging Dmestic Wire Mail Ntice... $23.00 Cashier s Checks Client... $6.00 Nn-Custmer... $8.00 Cin (in r ut) Cin & Currency Change Order... $3.00 Per Standard Bag Depsited... $5.00 Per Mixed Standard Bag Depsited... $8.00 Per Rll Depsited... $0.10 Per Bx Prvided... $4.00 Per Lse Standard Bag Prvided... $3.50 Per Rll Prvided... $0.12 Per Cin Bag Prvided... $0.60 Early Accunt Clsure Checking Accunts (within 90 days f pening)... $10.00 Savings Accunts (within 1 year f pening)... $5.00 Merchant Services Merchant Services... Per Agreement Merchant Services Supplies... Market Price Mney Orders Client... $4.00 Nn-Custmer... $6.00 Ntary Services (fr nn-bank required and/r related dcuments) Ntice f Nnpayment f a Prmissry Nte Per Signature... $5.00 Acknwledgements, Jurats, etc. Per Signature... $10.00 Overdrafts Nnsufficient Funds Per Overdraft... $20.00 Pre-Paid Gift Cards MasterCard Pre-Paid Gift Cards Activatin Fee Per Card... $3.00 Inactivity Fee Per Mnth (assessed after 12 cnsecutive mnths f inactivity)... $2.95 Replacement f lst r stlen card... $5.00 Safe Depsit Bx Key Depsit... $20.00 Frced Entry... $ Annual Rent... Varies based n bx size Smart Safes Mnthly Service Fee Per Unit... $ Transfer f Funds Sweep Transactin... $5.00 Telephne Transfer... $2.00 Wire Transfers Dmestic & USD Int l via US Crrespndent Bank* Online Banking Outging Dmestic Wire entice... $20.00 Online Banking Outging Dmestic Wire Mail Ntice... $23.00 Outging Dmestic Wire entice... $25.00 Outging Dmestic Wire Mail Ntice... $28.00 Incming Dmestic Wire entice... $7.00 Incming Dmestic Wire Mail Ntice... $10.00 * USD Int l via US Crrespndent Bank is fr cmmercial purpse nly. Wire Transfers Internatinal Outging Internatinal Wire USD... $50.00 Outging Internatinal Wire FX... $40.00 Incming Internatinal Wire entice... $7.00 Incming Internatinal Wire Mail Ntice... $10.00 Cllectin Prcessing Incming Dmestic... $40.00 Incming Internatinal... $50.00 Outging Dmestic (plus crrespndent bank fees)... $15.00 Outging Internatinal (plus crrespndent bank fees)... $30.00 Cpy Per Item (checks and misc. items)... $2.00 Per Statement Withut Images... $4.00 Per Statement With Images... $6.00 Per CD-ROM Statement (nt available t new accunts)... $15.00 Currency (in r ut) Per $1, Depsited... $1.40 Per $1, Prvided... $1.25 Please Nte: Prices subject t change. Certain accunts may have fees fr services nt nted in this schedule. Please review yur accunt agreement fr details. Member FDIC fmb.cm Rev. 12/7/17

7 ACCOUNT ANALYSIS SCHEDULE OF FEES Bank Fees Accunt Analysis Maintenance Fee Per Mnth... $18.00 Accunt Histry... $2.00 ACH Item Credit... $0.10 ACH Item Debit... $0.10 ACH Item Originatin... $0.10 ACH Originatin Reversal... $30.00 Bnd Cupn Cllectin... $7.50 Business Statement n CD-ROM (nt available t new accunts)... $15.00 Business Online Banking... N Charge Bill Pay Services/Mnth (plus $0.40 each ver 15 payments)..... $5.00 Cash Manager Per Mnth... $14.95 Cash Manager Additinal User... $2.00 Cashier s Check... $6.00 Change Order (in r ut)... $3.00 Chargeback (Check r ACH)... $6.00 Checks/Depsit Slips... Per Catalg Pricing + $10.00 Curier Services... Per Agreement + 10% Debit Item (checks paid)... $0.12 Depsit Bag/Each (dispsable)... $0.25-$0.80 Depsit Crrectin... $5.00 Depsit Item... $0.10 Depsit Ticket/Each... $1.00 Endrsement Stamp... Per Catalg Pricing + $10.00 Lckbx... Per Agreement Merchant Services Fees... Per Agreement Merchant Services Supplies... Market Price Mney Order... $4.00 Nnsufficient Funds r Overdraft Per Item... $20.00 Psitive Pay Service Per Mnth... $25.00 Remte Depsit Capture... Per Agreement Research Per Hur (1 hur minimum, prrated thereafter)... $30.00 Special Statement... $4.00 Stp Payment (ACH r Check)... $20.00 Sweep Transactin... $5.00 Telephne Transfer Fee... $2.00 Vendr Invice... Cst + $10.00 Check Image Depsit One Time Set-up Fee... $ Mnthly Fee (if less than 2,000 items prcessed per mnth)... $ Check Image Scanned and Prvided Electrnically On-Us Item - F&M Drawn Item Per Check... $0.08 Nn F&M Item - Transit Item Per Check... $0.08 Depsit Ticket (depsit prvided electrnically per depsit)... $1.00 Cin (in r ut) Per Standard Bag Depsited... $5.00 Per Mixed Standard Bag Depsited... $8.00 Per Rll Depsited... $0.10 Per Bx Prvided... $4.00 Per Lse Standard Bag Prvided... $3.50 Per Rll Prvided... $0.12 Per Cin Bag Prvided... $0.60 Lckbx Electrnic Set-Up Per Bx... $ Maintenance Per Bx Per Mnth... $ Reprting Per Mnth... $ CD (nt available t new accunts)... $15.00 Depsit... $1.25 Items Prcessed Per Online Item... $0.45 Items Prcessed Per Paper Item... $0.65 Image Transactin... $0.08 Data Entry Per Keystrke... $0.025 Medical Electrnic Lckbx (Med eslutins) Please see all fees nted abve fr Electrnic Lckbx Fees. Med eslutins Image Transactin... $0.45 Remte Depsit Capture (RDC) One Time Set-Up Fee Per Lcatin... $ Rental Fee Per Mnth (scanner plus maintenance)... $ Mnthly License Fee (up t 2 licenses)... $30.00 Mnthly Fee (licenses in excess f the first 2)... $20.00 Check Scanned and Prvided Electrnically On-Us Item - F&M Drawn Item Per Check... $0.10 Nn F&M Item - Transit Item Per Check... $0.10 Depsit Ticket (depsit prvided electrnically per depsit)... $1.00 Smart Safes Mnthly Service Fee Per Unit... $ Wire Transfers Dmestic & USD Int l via US Crrespndent Bank* Online Banking Outging Dmestic Wire entice... $20.00 Online Banking Outging Dmestic Wire Mail Ntice... $23.00 Outging Dmestic Wire e-ntice... $25.00 Outging Dmestic Wire Mail Ntice... $28.00 Incming Dmestic Wire e-ntice... $7.00 Incming Dmestic Wire Mail Ntice... $10.00 * USD Int l via US Crrespndent Bank is fr cmmercial purpse nly. Wire Transfers Internatinal Persnal Outging Internatinal (crrespndent fees included)... $60.00 Persnal Incming Internatinal Wire entice... $7.00 Persnal Incming Internatinal Wire Mail Ntice... $10.00 Cmmercial Outging Internatinal Wire USD... $50.00 Cmmercial Outging Internatinal Wire FX... $40.00 Cmmercial Incming Internatinal Wire entice... $7.00 Cmmercial Incming Internatinal Wire Mail Ntice... $10.00 Please Nte: Prices subject t change. Certain accunts may have fees fr services nt nted in this schedule. Please review yur accunt agreement fr details. Cllectin Prcessing Incming Dmestic... $40.00 Incming Internatinal... $50.00 Outging Dmestic (plus crrespndent bank fees)... $15.00 Outging Internatinal (plus crrespndent bank fees)... $30.00 Cpy Per Item (checks and misc. items)... $2.00 Per Statement Withut Images... $4.00 Per Statement With Images... $6.00 Per CD-ROM Statement (nt available t new accunts)... $15.00 Currency (in r ut) Per $1, Depsited... $1.40 Per $1, Prvided... $1.20 Member FDIC fmb.cm Rev. 12/7/17

8 ACCOUNTS Bankruptcy Trustee Accunt This accunt is available fr Chapter 11 and Chapter 13 bankruptcy types nly. Minimum balance t pen: $200. This accunt des nt pay interest. Any accunt riginally pened as nn-analyzed may be subsequently analyzed at the Bank s discretin. Varius fees will be impsed n analyzed accunts. A cmplete listing f fees related t accunt analysis may be fund n the Accunt Analysis Schedule f Fees. Fees Minimum balance fee $8 plus $0.30 per check paid will be impsed if the minimum balance in the accunt is less than $2,000 n any day f the statement cycle. $7 plus $0.30 per check paid will be impsed if the minimum accunt balance is greater than r equal t $2,000 but less than $3,000 n any day f the statement cycle. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Business Checking Analyzed Minimum balance t pen: $200. This accunt des nt pay interest. Hwever, it prvides an earnings credit that is used t ffset certain service fees incurred by the accunt s activities, i.e. checks paid, items depsited, etc. In additin t each mnthly accunt statement, a mnthly analysis statement is prvided which includes an accunting f services used and earnings credits that ffset service expenses. Earnings credits are based n average mnthly balances f: $0 - $99,999; $100,000 - $499,999; $500,000 - $999,999; and $1 millin plus. Cmpetitive market rates apply. Fees Maintenance fee per mnth: $18. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Accunt Analysis Schedule f Fees. Business Checking Nn Analyzed Minimum balance t pen: $200. This accunt des nt pay interest. Any accunt riginally pened as nn-analyzed may be subsequently analyzed at the Bank s discretin. Varius fees will be impsed n analyzed accunts. A cmplete listing f fees related t accunt analysis may be fund n the Accunt Analysis Schedule f Fees. Member FDIC fmb.cm Rev. 12/7/17 8

9 Fees A minimum balance fee f $10 will be impsed every mnth if the balance in the accunt falls belw $4,000 any day f the statement cycle. A per check charge f $0.30 will be impsed fr each transactin (withdrawal, check paid, autmatic transfer r payment ut f yur accunt) if the balance in the accunt falls belw $4,000 any day f the statement cycle. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Certificates f Depsit Minimum balance t pen: $1,000. The interest rate and annual percentage yield fr yur accunt depend upn the applicable rate tier. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. Interest accrues n the business day a depsit is made, including nn-cash items (i.e., checks). The daily balance methd is used t calculate the interest n yur accunt. This methd applies a daily peridic rate t the principal in the accunt each day. The interest rate n the accunt will be paid until the first maturity f the Certificate. The accunt will autmatically renew at maturity. Depsits may be made n the maturity date and during the grace perid. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees Day Market Rate Certificate f Depsit Interest will be cmpunded at maturity. Interest will be added back t the principal at maturity. Other crediting arrangements may be made. There is ne (1) business day after the maturity date t withdraw funds withut penalty. A penalty will be impsed if any f the principal is withdrawn befre the maturity date. The penalty amunt will be equal t all interest earned but nt less than 7 days interest, and therefre, may be deducted frm the principal. 91 and 182 Day; 12 23; 24 35; 36 47; 48; and 60 Mnth Market Rate Certificate f Depsit Interest will be cmpunded mnthly. Interest will be added back t the principal mnthly. Other crediting arrangements may be made. Interest accrues n the business day a depsit is made, including nn-cash items (i.e., checks). There are 10 calendar days after the maturity date t withdraw funds withut penalty. A penalty will be impsed if any f the principal is withdrawn befre the maturity date. A penalty will be impsed fr withdrawals befre maturity. The penalty amunt will be equal t 180 days if maturity is 18 mnths r mre, 90 days interest if CD matures in mre than 12 mnths but less than 18 mnths r 30 days if maturity is 12 mnths r less. Member FDIC fmb.cm Rev. 12/7/17 9

10 Bnd Certificate f Depsit Bnd Certificates f Depsit have a default term f 12 mnths, althugh the term may vary depending n the bnd requirements. Interest will nt be cmpunded. Interest will be paid by check at maturity. Other crediting arrangements may be made. Interest accrues n the business day a depsit is made, including nn-cash items (i.e., checks). There are 10 calendar days after the maturity date t withdraw funds withut penalty. A penalty will be impsed if any f the principal is withdrawn befre the maturity date. The penalty amunt will be equal t 90 days interest if CD matures in mre than 12 mnths but less than 18 mnths r 30 days if maturity is 12 mnths r less. Depsits may nt be made t this accunt. Lan Cllateral Certificate f Depsit Lan Cllateral Certificates f Depsit may be pened in cnjunctin with a Bank lan. Terms and Cnditins may be btained frm the Lending Team prcessing the lan request. Interest will nt be cmpunded. Interest will be paid by check at maturity. Other crediting arrangements may be made. Interest accrues n the business day a depsit is made, including nn-cash items (i.e., checks). There are 10 calendar days after the maturity date t withdraw funds withut penalty. We will impse a penalty if yu withdrawal any f the principal befre the maturity date. A penalty will be impsed fr withdrawals befre maturity. The penalty amunt will be equal t 180 days if maturity is 18 mnths r mre, 90 days interest if CD matures in mre than 12 mnths but less than 18 mnths r 30 days if maturity is 12 mnths r less. On terms 7-31 days, the penalty amunt will be equal t all interest earned but nt less than 7 days interest; and; may be deducted frm the principal. Depsits may nt be made t this accunt. The bank retains the right t redeem certificate at any time as utlined in the security agreement. Christmas Club Accunt F&M Bank ffers tw types f Christmas Club accunts: a cupn bk r autmatic transfer frm yur F&M accunt. Cupn depsits are accepted late Nvember thrugh Octber, while autmatic transfers are prcessed January thrugh Octber, with the balance and accrued interest paid by check in early Nvember. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Interest will be paid nce a year in Nvember. If the accunt is clsed befre interest is credited, the accrued interest will nt be paid. There is n cmpunding f interest during the term f the accunt. Depsits can be autmatically transferred frm an F&M checking accunt r initiated by yu. T prcess the depsits by autmatic transfer, a signed authrizatin is necessary. Member FDIC fmb.cm Rev. 12/7/17 10

11 The Autmatic Christmas Club accunt will be autmatically renewed at maturity. N withdrawals are allwed frm the Christmas Club accunt. A check is mailed t yu fr the principal plus accrued interest nce per year in Nvember. A $5.00 fee will be impsed fr clsing the accunt prir t Nvember. If accunt is clsed befre interest is paid, the accrued interest will nt be credited. The Bank reserves the right, at any time, t require nt less than 7 days ntice in writing befre any withdrawal frm this accunt. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Classic Checking Minimum balance t pen: $100. A Debit Mastercard is prvided. Free Debit Card Fraud Alerts. Free Online Banking. Free Bill Pay. Free Mbile Banking with Text Banking. Free Mbile Check Depsit. Free Direct Depsit, Telebanker, Call Center, estatements and entices. Unlimited Check Writing. This accunt des nt pay interest. Fees $15 Mnthly Service Charge (Maintenance Fee). Ways t Waive $15 Maintenance Fee during each statement cycle: Ttal direct depsit f $500 r mre made t this accunt r 20 r mre Debit Card Pint-f-Sale (POS) transactins frm this accunt, excluding transactins cnducted at an ATM r Maintain an average daily balance* f $1,500 r mre in this accunt r The primary accunthlder** maintains a cmbined average daily balance*** f $5,000 r mre in a checking and/r savings accunt(s). By pening this accunt, the primary accunthlder cnsents t the right t share with ther parties n this accunt, the existence and balances f all related accunts upn request, and represents and warrants that each c-wner f a related accunt authrizes the balances f the accunt t be cmbined fr prgram benefits. *The average daily (ledger) balance is calculated by adding the principal in this accunt fr each day f the statement cycle, divided by the number f days in the statement cycle. **The primary accunthlder is the persn identified in the sectin Owner/Signer Infrmatin f the Accunt Agreement used t pen this accunt. ***The cmbined average daily balance is the sum f the average daily balances in this accunt and in each checking and/r savings accunt (with a primary r jint relatinship) that is related t the primary accunthlder. The average daily balance fr related accunts is calculated by adding the principal in the accunt(s) fr each day frm the first day f the related Member FDIC fmb.cm Rev. 12/7/17 11

12 accunts current statement cycle thrugh the last day f this accunt s statement cycle, divided by the number f days between these tw dates. $1.50 ATM Service Charge fee per transactin made at a Nn-F&M ATM. Other financial institutins and ATM peratrs may charge an additinal Freign ATM Surcharge fee t use their ATM, which is disclsed and debited at the time f yur transactin. A $3 paper statement fee is assessed each statement cycle when yu elect t receive this accunt s statement by mail. T avid this fee, yu must enrll in electrnic delivery f statements. Transfers Sweep Transactin: $9 per transactin Telephne Transactin: $10 per transactin A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Cllege Checking Fr 18 t 24 year ld students. F&M Bank reserves the right t verify enrllment at accunt pening. Minimum balance t pen: $25. A Debit Mastercard is prvided. Free Debit Card Fraud Alerts. Reversal f the Freign ATM Surcharge Fee and the ATM Service Charge Fee at nn-f&m Bank ATMs. Applicable fr nn-f&m ATM use in the United States and its territries nly. Overdraft fees, if applicable, may apply. Fee reversal will ccur within 48 hurs. Free Online Banking. Free Bill Pay. Free Mbile Banking with Text Banking. Free Mbile Check Depsit. Free Direct Depsit, Telebanker, Call Supprt, estatements and entices. Unlimited Check Writing. Free first bx f F&M lg checks r variety pack f 50 checks. This accunt des nt pay interest. On the primary accunthlder's 25th birthday, this accunt will be cnverted t a Classic Checking Accunt. Fees $8 Mnthly Service Charge (Maintenance Fee). Ways t Waive $8 Maintenance Fee during each statement cycle: Ttal direct depsit f $250 r mre made t this accunt r 15 r mre Debit Card Pint-f-Sale (POS) transactins frm this accunt, excluding transactins cnducted at an ATM. Member FDIC fmb.cm Rev. 12/7/17 12

13 N mnthly minimum balance fees. A $3 paper statement fee is assessed each statement cycle when yu elect t receive this accunt s statement by mail. T avid this fee, yu must enrll in electrnic delivery f statements. Transfers Sweep Transactin: $8 per transactin Telephne Transactin: $10 per transactin. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Elite Checking Fr cllege/trade/university students ages 18 t 24 years. Minimum balance t pen: $25. An Elite Debit Mastercard is prvided. Free Debit Card Fraud Alerts. Reversal f the Freign ATM Surcharge Fee and the ATM Service Charge Fee at nn-f&m Bank ATMs. Applicable fr nn-f&m ATM use in the United States and its territries nly. Overdraft fees, if applicable, may apply. Fee reversal will ccur within 48 hurs. Online Banking included. Free Bill Pay up t 5 payments per mnth. Each additinal payment csts $0.50 per payment. Free estatements and entices. Free first rder f Mini-Pack Checks. Overdraft ptins, certain restrictins apply. This accunt des nt pay interest. Eligible t pen a Market Rate Savings Accunt with n quarterly minimum balance r withdrawal fees until they reach age 25. The minimum balance t pen the Market Rate Savings is $25. All ther terms f the Market Rate Savings Accunt are applicable. On the primary accunthlder's 25th birthday, the accunt will be cnverted t a Persnal Checking Accunt. Fees N mnthly minimum balance fees. A $3 paper statement fee is assessed each statement cycle when yu elect t receive this accunt s statement by mail. T avid this fee, yu must enrll in electrnic delivery f statements. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Member FDIC fmb.cm Rev. 12/7/17 13

14 Gld Checking Minimum balance t pen: $100. A Gld Debit Mastercard is prvided. Free Debit Card Fraud Alerts. Reversal f the Freign ATM Surcharge Fee and the ATM Service Charge Fee at nn-f&m Bank ATMs. Applicable fr nn-f&m ATM use in the United States and its territries nly. Overdraft fees, if applicable, may apply. Fee reversal will ccur within 48 hurs. Free Online Banking. Free Bill Pay. Free Mbile Banking with Text Banking. Free Mbile Check Depsit. Free Direct Depsit, Telebanker, Call Supprt, estatements and entices. Free Paper Statement, upn request. Unlimited Check Writing. Free first bx f F&M lg checks. Free Cashier s Checks, Mney Orders and Traveler s Cheques (Please see Branch Management fr details) Free Sweep and Telephne Transfers. Free Incming Dmestic Wire Transfers. Additinal Benefits Yur first Gld Checking Accunt includes, upn request, the fllwing: 1 additinal Gld Checking Accunt in which the Mnthly Service Charge (Maintenance Fee) is waived fr 1 year frm the date the accunt is pened. Standard accunt requirements apply thereafter. 2 savings accunts (Yuth Savings and/r Market Rate Savings) in which the minimum balance fee and/r withdrawal fee is waived fr 1 year frm the date each accunt is pened. Standard accunt requirements apply thereafter. 1 Safe Depsit Bx up t $60 annual rent payment, based upn availability, in which the annual rent payment is waived fr 1 year frm the date the bx is pened. These additinal benefits d nt apply t any subsequent Gld Checking Accunt(s) pened. This accunt pays interest. The Bank reserves the right, at any time, t require nt less than 7 days ntice in writing befre any withdrawal frm this accunt. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Member FDIC fmb.cm Rev. 12/7/17 14

15 Interest is cmpunded mnthly and credited t the accunt mnthly. If the accunt is clsed befre interest is credited, the accrued interest will nt be paid. Fees $20 Mnthly Service Charge (Maintenance Fee). Ways t Waive $20 Maintenance Fee during each statement cycle: Maintain a minimum daily balance f $5,000 r mre in this accunt r Maintain an average daily balance* f $10,000 r mre in this accunt r The primary accunthlder** maintains a cmbined average daily balance*** f $50,000 r mre in a checking and/r savings accunt(s). By pening this accunt, the primary accunthlder cnsents t the right t share with ther parties n this accunt, the existence and balances f all related accunts upn request, and represents and warrants that each c-wner f a related accunt authrizes the balances f the accunt t be cmbined fr prgram benefits. *The average daily (ledger) balance is calculated by adding the principal in this accunt fr each day f the statement cycle, divided by the number f days in the statement cycle. **The primary accunthlder is the persn identified in the sectin Owner/Signer Infrmatin f the Accunt Agreement used t pen this accunt. ***The cmbined average daily balance is the sum f the average daily balances in this accunt and in each checking and/r savings accunt (with a primary r jint relatinship) that is related t the primary accunthlder. The average daily balance fr related accunts is calculated by adding the principal in the accunt(s) fr each day frm the first day f the related accunts current statement cycle thrugh the last day f this accunt s statement cycle, divided by the number f days between these tw dates. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Health Savings Accunt (HSA) Minimum balance t pen: $100. Health Savings Debit Mastercard is prvided. Free Debit Card Fraud Alerts. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. Interest accrues n the business day the depsit is made including nn-cash items (i.e., checks). The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Interest is cmpunded quarterly and credited t the accunt quarterly. If the accunt is clsed befre interest is credited, the accrued interest will nt be paid. Member FDIC fmb.cm Rev. 12/7/17 15

16 The Bank reserves the right, at any time, t require nt less than 7 days ntice in writing befre any withdrawal frm this accunt. Fees One time set-up fee: $10. A minimum balance fee f $5 will be impsed every quarter if the average daily balance fr the quarter falls belw $1,000. $1.50 Service Charge Fee per transactin made at a Nn-F&M ATM. Other financial institutins and ATM peratrs may charge an additinal Freign ATM Surcharge fee t use their ATM, which is disclsed and debited at the time f yur transactin. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Interest n Checking (Business) Minimum balance t pen: $200. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Interest is cmpunded mnthly and credited t the accunt mnthly. If the accunt is clsed befre interest is credited, the accrued interest will nt be paid. Any accunt riginally pened as nn-analyzed may be subsequently analyzed at the Bank s discretin. Varius fees will be impsed n analyzed accunts. A cmplete listing f fees related t Accunt Analysis may be fund n the Accunt Analysis Schedule f Fees. The Bank reserves the right, at any time, t require nt less than 7 days ntice in writing befre any withdrawal frm this accunt. Fees A minimum balance fee f $12 will be impsed every mnth if the balance in the accunt falls belw $5,000 any day f the statement cycle. A per check charge f $0.30 will be impsed fr each transactin (withdrawal, check paid, autmatic transfer r payment ut f yur accunt) if the balance in the accunt falls belw $5,000 any day f the statement cycle. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Interest n Checking (Persnal) Minimum balance t pen: $100. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Member FDIC fmb.cm Rev. 12/7/17 16

17 Interest is cmpunded mnthly and credited t the accunt mnthly. If the accunt is clsed befre interest is credited, the accrued interest will nt be paid. The Bank reserves the right, at any time, t require nt less than 7 days ntice in writing befre any withdrawal frm this accunt. Fees A minimum balance fee f $5 will be impsed every mnth if the average daily balance fr the mnth falls belw $1,000. The average daily balance is calculated by adding the principal in the accunt fr each day f the perid and dividing that figure by the number f days in the perid. A $0.30 per check charge will be impsed fr each transactin (withdrawal, check paid, autmatic transfer, r payment ut f the accunt) if the average daily balance fr the mnth falls belw $1,000. The average daily balance is calculated by adding the principal in the accunt fr each day f the perid and dividing that figure by the number f days in the perid. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Individual Retirement Accunts (IRAs) (Traditinal r Rth) 6, 12, 18, 24, 36, 48 and 60 Mnth Market Rate IRAs Minimum balance t pen: $500. The interest rate and annual percentage yield fr yur accunt depend upn the applicable rate tier. Interest accrues n the business day a depsit is made, including nn-cash items (i.e., checks). The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. The interest rate n the accunt will be paid until first maturity. Interest is cmpunded quarterly and credited t the accunt quarterly. The accunt will autmatically renew at maturity. Depsits may be made t the accunt in accrdance with yur IRA Plan disclsure. There is a 10 calendar day grace perid fllwing the maturity f the accunt t withdraw the funds withut penalty. A penalty will be impsed if any f the principal is withdrawn befre the maturity date. A penalty will be impsed fr withdrawals befre maturity. The penalty amunt will be equal t 180 days if maturity is 18 mnths r mre, 90 days interest if maturity is mre than 12 mnths but less than 18 mnths r 30 days if maturity is 12 mnths r less. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Market Rate Mney Market (Business) Minimum balance t pen: $200. The interest rate and annual percentage yield depend upn the applicable rate tier. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. Member FDIC fmb.cm Rev. 12/7/17 17

18 The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Interest is cmpunded mnthly and credited t the accunt mnthly. If the accunt is clsed befre interest is credited, the accrued interest will nt be paid. The Bank reserves the right, at any time, t require nt less than 7 days ntice in writing befre any withdrawal frm this accunt. During any mnth yu may nt make mre than 6 withdrawals r transfers t anther accunt r t a third party by means f a preauthrized r autmatic transfer r telephne rder r instructin, cmputer transfer, r by check, draft, debit card, r similar rder t a third party. Exceeding these limitatins may result in the clsure f the accunt r the transfer f funds t anther qualified accunt type. Fees A minimum balance fee f $8 will be impsed every mnth if the balance in the accunt falls belw $3,000 n any day in the statement cycle. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Market Rate Mney Market (Persnal) Minimum balance t pen: $100. The interest rate and annual percentage yield depend upn the applicable rate tier. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Interest will be cmpunded mnthly and credited t the accunt mnthly. If the accunt is clsed befre interest is credited, the accrued interest will nt be paid. The Bank reserves the right, at any time, t require nt less than 7 days ntice in writing befre any withdrawal frm this accunt. During any mnth yu may nt make mre than 6 withdrawals r transfers t anther accunt r t a third party by means f a preauthrized r autmatic transfer r telephne rder r instructin, cmputer transfer, r by check, draft, debit card, r similar rder t a third party. Exceeding these limitatins may result in the clsure f ur accunt r the transfer f funds t anther qualified accunt type. Fees A minimum balance fee f $7 will be impsed every mnth if the balance in the accunt falls belw $2,500 n any day in the statement cycle. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Member FDIC fmb.cm Rev. 12/7/17 18

19 Market Rate Savings (Business) Minimum balance t pen: $100. The interest rate and annual percentage yield depend upn the applicable rate tier. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Interest will be cmpunded quarterly and credited t the accunt quarterly. If the accunt is clsed befre interest is credited, the accrued interest will nt be paid. The Bank reserves the right, at any time, t require nt less than 7 days ntice in writing befre any withdrawal frm this accunt. During any mnth yu may nt make mre than 6 withdrawals r transfers t anther accunt r t a third party by means f a preauthrized r autmatic transfer r telephne rder r instructin, cmputer transfer, r by check, draft, debit card, r similar rder t a third party. Exceeding these limitatins may result in the clsure f ur accunt r the transfer f funds t anther qualified accunt type. Fees A minimum balance fee f $6 will be impsed every quarter if the average daily balance fr the quarter falls belw $300. The average daily balance is calculated by adding the principal in the accunt fr each day f the perid and dividing that figure by the number f days in the perid. A $3 withdrawal fee will be impsed fr each transactin (withdrawal, check paid, autmatic transfer r payment ut f yur accunt) if the balance in the accunt falls belw $2,000 any day f the quarter n withdrawals exceeding three per quarter. A $5 early clsure fee will be impsed if this accunt is clsed within 12 mnths frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Market Rate Savings (Persnal) Minimum balance t pen: $100. The interest rate and annual percentage yield depend upn the applicable rate tier. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Interest will be cmpunded quarterly and credited t the accunt quarterly. If the accunt is clsed befre interest is credited, the accrued interest will nt be paid. The Bank reserves the right, at any time, t require nt less than 7 days ntice in writing befre any withdrawal frm this accunt. During any mnth yu may nt make mre than 6 withdrawals r transfers t anther accunt r t a third party by means f a preauthrized r autmatic transfer r telephne rder r instructin, cmputer transfer, r by check, draft, debit card, r similar rder t a Member FDIC fmb.cm Rev. 12/7/17 19

20 third party. Exceeding these limitatins may result in the clsure f ur accunt r the transfer f funds t anther qualified accunt type. Cllege and Elite Checking clients are eligible t pen a Market Rate Savings Accunt with a minimum balance f $25, with n quarterly minimum balance r withdrawal fees until they reach age 25. All ther Terms and Cnditins nted are applicable. Fees A minimum balance fee f $5 will be impsed every quarter if the average daily balance fr the quarter falls belw $200. The average daily balance is calculated by adding the principal in the accunt fr each day f the perid and dividing that figure by the number f days in the perid. A $2 withdrawal fee will be impsed fr each transactin (withdrawal, check paid, autmatic transfer r payment ut f yur accunt) if the balance in the accunt falls belw $500 any day f the quarter n withdrawals exceeding three per quarter. A $5 early clsure fee will be impsed if this accunt is clsed within 12 mnths frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Persnal Checking Minimum balance t pen: $100. This accunt des nt pay interest. Fees A minimum balance fee f $5 and a per check charge f $0.30 will be impsed fr each transactin (withdrawal, check paid, autmatic transfer, r payment ut f the accunt) every mnth if: The balance in the accunt falls belw $500 n any day f the mnth; OR The average daily balance fr the mnth falls belw $1,000. The average daily balance is calculated by adding the principal in the accunt each day f the perid and dividing that figure by the number f days in the perid. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Platinum Checking Minimum balance t pen: $100. A Platinum Debit Mastercard is prvided. Free Debit Card Fraud Alerts. Reversal f the Freign ATM Surcharge Fee and the ATM Service Charge Fee at nn-f&m Bank ATMs. Applicable fr nn-f&m ATM use in the United States and its territries nly. Overdraft fees, if applicable, may apply. Fee reversal will ccur within 48 hurs. Free Online Banking. Free Bill Pay. Free Mbile Banking with Text Banking. Member FDIC fmb.cm Rev. 12/7/17 20

21 Free Mbile Check Depsit. Free Direct Depsit, Telebanker, Call Supprt, estatements and entices. Free Paper Statement, upn request. Unlimited Check Writing. 1 free bx f any style checks per calendar year. Free Cashier s Checks, Mney Orders and Traveler s Cheques (Please see Branch Management fr details) Free Sweep and Telephne Transfers. Free Dmestic Wire Transfers Incming and Outging. Additinal Benefits Yur first Platinum Checking Accunt includes, upn request, the fllwing: Unlimited additinal Platinum Checking Accunts in which the Mnthly Service Charge (Maintenance Fee) is waived fr 1 year frm the date each accunt is pened. Standard accunt requirements apply thereafter. 3 savings accunts (Yuth Savings and/r Market Rate Savings) in which the minimum balance fee and/r withdrawal fee is waived fr 1 year frm the date each accunt is pened. Standard accunt requirements apply thereafter. 1 Safe Depsit Bx, based upn availability, in which the annual rent payment is waived fr 1 year frm the date the bx is pened. These additinal benefits d nt apply t any subsequent Platinum Checking Accunt(s) pened. This accunt pays tiered interest rates. The Bank reserves the right, at any time, t require nt less than 7 days ntice in writing befre any withdrawal frm this accunt. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office. The Bank may change the interest rate at any time. Interest begins t accrue n the business day a depsit is made. The daily balance methd is used t calculate the interest n the accunt. This methd applies a daily peridic rate t the principal in the accunt each day. Interest is cmpunded mnthly and credited t the accunt mnthly. If the accunt is clsed befre interest is credited, the accrued interest will nt be paid. Fees $25 Mnthly Service Charge (Maintenance Fee). Ways t Waive $25 Maintenance Fee during each statement cycle: Maintain a minimum daily balance f $15,000 r mre in this accunt r Maintain an average daily balance* f $50,000 r mre in this accunt r The primary accunthlder** maintains a cmbined average daily balance*** f $100,000 r mre in a checking and/r savings accunt(s). By pening this accunt, the primary accunthlder cnsents t the right t share with ther parties n this accunt, the existence and balances f all related accunts upn request, and represents and Member FDIC fmb.cm Rev. 12/7/17 21

22 Senir Checking warrants that each c-wner f a related accunt authrizes the balances f the accunt t be cmbined fr prgram benefits. *The average daily (ledger) balance is calculated by adding the principal in this accunt fr each day f the statement cycle, divided by the number f days in the statement cycle. **The primary accunthlder is the persn identified in the sectin Owner/Signer Infrmatin f the Accunt Agreement used t pen this accunt. ***The cmbined average daily balance is the sum f the average daily balances in this accunt and in each checking and/r savings accunt (with a primary r jint relatinship) that is related t the primary accunthlder. The average daily balance fr related accunts is calculated by adding the principal in the accunt(s) fr each day frm the first day f the related accunts current statement cycle thrugh the last day f this accunt s statement cycle, divided by the number f days between these tw dates. A $10 early clsure fee will be impsed if this accunt is clsed within 90 days frm the pening date. A cmplete schedule f ther accunt related fees can be fund n the Schedule f Fees. Fr ages 55+. Minimum balance t pen: $100. A Debit Mastercard is prvided. Free Debit Card Fraud Alerts. Free Online Banking. Free Bill Pay. Free Mbile Banking with Text Banking. Free Mbile Check Depsit. Free Direct Depsit, Telebanker, Call Supprt, estatements and entices. Unlimited Check Writing. 1 free bx f F&M lg checks per calendar year. Additinal Benefit Yur Senir Checking Accunt includes, upn request, the fllwing: 1 Safe Depsit Bx up t $60 annual rent payment, based upn availability, in which the annual rent payment is waived fr 1 year frm the date the bx is pened. This accunt des nt pay interest. Fees $15 Mnthly Service Charge (Maintenance Fee). Ways t Waive $15 Maintenance Fee during each statement cycle: Ttal direct depsit f $250 r mre made t this accunt r 10 r mre Debit Card Pint-f-Sale (POS) transactins frm this accunt, excluding transactins cnducted at an ATM. N mnthly minimum balance fees. Member FDIC fmb.cm Rev. 12/7/17 22