Services and Fees This document is current as 7/18/18. Click here for more information on 2018 fee and account updates.

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1 Services and Fees This dcument is current as 7/18/18. Click here fr mre infrmatin n 2018 fee and accunt updates. Prduct terms, cnditins, benefits, pricing, and fees are subject t change with r withut ntice.

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 Brnze Checking... 8 Business Checking Analyzed... 9 Business Checking Nn Analyzed 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 Bnd Certificate f Depsit Lan Cllateral Certificate f Depsit Christmas Club Accunt Cllege 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) Platinum Checking Senir Checking Silver Checking State Bar Assciatin/IOLTA Teen Checking Yuth Savings... 26

3 SERVICES Debit Cards Business Debit Card Persnal Debit Card Debit Card Alerts 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 Legal Prcess Fee Lans Business Credit Persnal Credit Lckbx Electrnic Lckbx Medical Electrnic Lckbx (Med eslutins) Merchant Services Night Depsit Ntary Online Banking ACH Originatin Bill Pay Business Online Banking Business Online Banking with Cash Manager Mbile Banking Mbile Check Depsit Text Banking Overdraft Features Sweep Transfer Services Ready Cash Depsit (RCD) Bunce Prtectin SM... 39

4 Psitive Pay Pre-Paid Gift Cards Remte Depsit Capture (RDC) Check Image Depsit Research Safe Depsit Bxes Smart Safes Telebanker Traveler s Cheques Trust Services USA PATRIOT Act and Beneficial Ownership Disclsures USA PATRIOT Act Beneficial Ownership Investment Services Nt FDIC Insured U.S. Treasuries (Bills, Ntes, and Bnds), Agencies, and Mrtgage-Backed Securities Repurchase Agreements Mutual Fund Sweep Accunts... 45

5 SCHEDULE OF FEES BANK FEES ATM Service Charge (At a Nn-F&M Bank ATM)... $1.50 Bnd Cupn Cllectin... $7.50 Chargeback Item Fee... $10.00 Checks/Depsit Slips... Per Catalg Pricing Debit Card Freign Transactin (Internatinal)... 3% f Purchase Price Debit Item (Checks Paid)... $0.30 Endrsement Stamp... Per Catalg Pricing Escheatment Ntice... $2.00 Insufficient Funds Item/s Fee (Per Item)... $30.00 Legal Prcess... $ Ntary Services (Acknwledgements, Jurats, Etc.) Per Signature... $10.00 Overdraft Item/s Fee (Per Item, $150 Max Per Day)... $30.00 Overdraft Item/s Fee BP (Bunce Prtectin)... (Per Item, $150 Max Per Day).... $30.00 Paper Statement... $3.00 Research Per Hur (1 Hur Minimum, Prrated Thereafter)... $50.00 Special Statement... $5.00 Stp Payment Charge (ACH r Check)... $30.00 Sweep Transactin Charge....$5.00 Telephne Transfer Fee....$5.00 CASHIER S CHECKS Client... $8.00 Nn-Custmer... $16.00 COLLECTION PROCESSING Incming Dmestic... $50.00 Incming Internatinal... $60.00 Outging Dmestic (Plus Crrespndent Bank Fees)... $15.00 Outging Internatinal (Plus Crrespndent Bank Fees)... $30.00 COPY Per Item (e.g. Checks, Depsit Slips)... $3.00 Per Statement With Images... $10.00 Per Statement Withut Images... $5.00 Per CD-ROM Statement (Nt Available t New Accunts)... $15.00 CURRENCY (IN OR OUT) Per $1, Depsited... $1.40 Per $1, Prvided... $1.25 EARLY ACCOUNT CLOSURE Checking/Mney Market Accunts (Within 90 Days f Opening)... $15.00 Savings Accunts (Within 1 Year f Opening)... $15.00 MONEY ORDERS Client... $5.00 Nn-Custmer... $10.00 ONLINE BANKING Bill Pay Per Mnth (Up t 15 Payments Per Mnth)... $5.00 Each Additinal Bill Pay Over 15 Payments Per Mnth... $0.40 Bill Pay Overnight Check... $17.50 Bill Pay Paid Return Item Per Item... $30.00 Bill Pay Re-Issue Draft Per Draft Item... $30.00 Bill Pay Stp Payment Draft/Request... $30.00 Same Day Electrnic Bill Payment... $12.95 Stp Payment F&M Paper Check Per Request... $30.00 PRE-PAID GIFT CARDS MasterCard Pre-Paid Gift Card Activatin Per Card... $3.00 Inactivity Per Mnth (After 12 Cnsecutive Mnths f Inactivity)... $2.95 Replacement f Lst r Stlen Card... $5.00 SAFE DEPOSIT BOX Key Depsit... $20.00 Frced Entry... $ Annual Rent... Varies Based n Bx Size 2x5... $ x5... $ x5... $ x5... $ x10... $ x10... $ x10... $ x10... $ x10... $ x10... $ x10... $ x15... $ x15... $ TRAVELER S CHEQUES Cheques fr Tw (Requiring Tw Signatures)... 2% f Purchase Price WIRE TRANSFERS DOMESTIC Incming Dmestic Wire entice... $10.00 Incming Dmestic Wire Mail Ntice... $15.00 Outging Dmestic Wire entice... $30.00 Outging Dmestic Wire Mail Ntice... $35.00 WIRE TRANSFERS INTERNATIONAL Incming Internatinal Wire entice... $10.00 Incming Internatinal Wire Mail Ntice... $15.00 Outging Internatinal Wire USD (Crrespndent Fees Included)... $60.00 Outging Internatinal Wire FX (Crrespndent Fees Included)$60.00 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. 5

6 BANK FEES ATM Service Charge (At a Nn-F&M Bank ATM)... $1.50 Bnd Cupn Cllectin... $7.50 CD-ROM Statement (Nt Available t New Accunts)... $15.00 Chargeback Item Fee (Check)... $10.00 Checks/Depsit Slips...Per Catalg Pricing Debit Card Freign Transactin (Internatinal)... 3% f Purchase Price Debit Item (Checks Paid After 300 Debits)... $0.40 Depsit Bag (Dispsable)... $0.25-$0.80 Depsit Crrectin... $5.00 Endrsement Stamp... Per Catalg Pricing Escheatment Ntice... $2.00 Insufficient Funds Item/s Fee (per item)... $30.00 Legal Prcess... $ Merchant Services... Per Agreement Merchant Services Supplies... Market Price Ntary Services (Acknwledgements, Jurats, Etc.) Per Signature... $10.00 Overdraft Item/s Fee (per item)... $30.00 Paper Statement... $3.00 Psitive Pay Per Item Decisined by Bank... $2.00 Psitive Pay Service Per Mnth.... $25.00 Research Per Hur (1 Hur Minimum, Prrated Thereafter)... $50.00 Special Statement... $5.00 Stp Payment Charge (ACH r Check)... $30.00 Sweep Transactin Charge....$5.00 Telephne Transfer Fee... $5.00 BUSINESS ONLINE BANKING Each Additinal Lg-In ID (Emplyee Access Cntrl)... $5..00 Bill Pay Per Mnth (Up t 15 Payments Per Mnth)... $5.00 Each Additinal Bill Pay Over 15 Payments Per Mnth... $0.40 Bill Pay Overnight Check... $17.50 Bill Pay Paid Return Item Per Item... $30.00 Bill Pay Re-Issue Draft Per Item... $30.00 Bill Pay Stp Payment Draft Per Request... $30.00 Same Day Electrnic Bill Payment... $12.95 Stp Payment F&M Paper Check Per Request... $30.00 BUSINESS ONLINE BANKING WITH CASH MANAGER Cash Manager Per Mnth (Up t 3 Lg-In IDs)... $35.00 CASHIER S CHECKS Client... $8.00 Nn-Custmer... $16.00 COIN (IN OR OUT) Cin & Currency Change Order... $5.00 Per Standard Bag Depsited... $5.00 Per Mixed Standard Bag Depsited... $8.00 Per Rll Depsited... $0.15 Per Bx/Bag Prvided... $5.00 Per Bx/$0.75 Per Bag Per Lse Standard Bag Prvided... $7.00 Per Rll Prvided... $0.15 COLLECTION PROCESSING Incming Dmestic... $50.00 Incming Internatinal... $60.00 Outging Dmestic (Plus Crrespndent Bank Fees)... $15.00 Outging Internatinal (Plus Crrespndent Bank Fees)... $30.00 COPY Per Item (e.g. Checks, Depsit Slips)... $3.00 Per Statement With Images... $10.00 Per Statement Withut Images... $5.00 Per CD-ROM Statement (Nt Available t New Accunts)... $15.00 CURRENCY (IN OR OUT) Per $1, Depsited... $1.70 Per $1, Prvided... $1.50 EARLY ACCOUNT CLOSURE Checking/Mney Market Accunts (Within 90 Days f Opening)... $15.00 Savings Accunts (Within 1 Year f Opening)... $15.00 MONEY ORDERS Client... $5.00 Nn-Custmer... $10.00 PRE-PAID GIFT CARDS MasterCard Pre-Paid Gift Card Activatin Per Card... $3.00 Inactivity Per Mnth (After 12 Cnsecutive Mnths f Inactivity)... $2.95 Replacement f Lst r Stlen Card... $5.00 SAFE DEPOSIT BOX Key Depsit... $20.00 Frced Entry... $ Annual Rent... Varies Based n Bx Size 2x5... $ x5... $ x5... $ x5... $ x10... $ x10... $ x10... $ x10... $ x10... $ x10... $ x10... $ x15... $ x15... $ WIRE TRANSFERS DOMESTIC & USD INT L VIA US CORRESPONDENT BANK* Incming Dmestic Wire entice... $10.00 Incming Dmestic Wire Mail Ntice... $15.00 Online Banking Outging Wire entice... $15.00 Online Banking Outging Wire Mail Ntice... $20.00 Outging Dmestic Wire entice... $30.00 Outging Dmestic Wire Mail Ntice... $35.00 *Online banking wires are fr Dmestic & Int l via US Crrespndent Bank purpses nly WIRE TRANSFERS INTERNATIONAL Incming Internatinal Wire entice... $10.00 Incming Internatinal Wire Mail Ntice... $15.00 Outging Internatinal Wire USD... $50.00 Outging Internatinal Wire FX... $40.00 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. 6

7 BANK FEES Accunt Analysis Maintenance Per Mnth... $25.00 ATM Service Charge (At a Nn-F&M Bank ATM)... $1.50 Bnd Cupn Cllectin... $7.50 Cashier s Check... $8.00 CD-ROM Statement (Nt Available t New Accunts)... $15.00 Chargeback Item Fee (Check)... $10.00 Checks/Depsit Slips... Per Catalg Pricing + $10.00 Curier Services... Per Agreement + 10% Debit Card Freign Transactin (Internatinal)... 3% f Purchase Price Debit Item (Checks Paid)... $0.20 Depsit Bag/Each (Dispsable)... $0.25-$0.80 Depsit Crrectin... $5.00 Depsit Item... $0.15 Endrsement Stamp... Per Catalg Pricing + $10.00 Escheatment Ntice... $2.00 Insufficient Funds Item/s Fee (Per Item)... $30.00 Legal Prcess... $ Lckbx... Per Agreement Merchant Services... Per Agreement Merchant Services Supplies... Market Price Mney Order... $5.00 Ntary Services (Acknwledgements, Jurats, Etc.) Per Signature... $10.00 Overdraft Item/s Fee (Per Item)... $30.00 Paper Statement... $3.00 Psitive Pay Per Item Decisined by Bank... $2.00 Psitive Pay Service Per Mnth... $25.00 Remte Depsit Capture... Per Agreement Research Per Hur (1 Hur Minimum, Prrated thereafter)... $50.00 Special Statement....$5.00 Stp Payment Charge (Check)... $30.00 Sweep Transactin Charge....$5.00 Telephne Transfer Fee... $5.00 Vendr Invice... Cst + $10.00 ACH FEES ACH Blck Authrizatin Mnthly Per Accunt... $10.00 ACH Blck Set-Up... $5.00 ACH Chargeback... $10.00 ACH Filter Authrizatin Mnthly Per Accunt... $10.00 ACH Filter Set-Up... $5.00 ACH Item Credit/Debit... $0.15 ACH Item Originatin Per Item... $0.15 ACH Originatin Reversal... $30.00 ACH Stp Payment... $30.00 Direct ACH Mnthly... $25.00 Direct ACH Set-Up Fee (SFTP)... $ Direct ACH Originated 1-day Credit/Debit Transactin... $0.15 Direct ACH Originated 2-day Credit/Debit Transactin... $0.15 Direct ACH Originated Cnsumer Credit/Debit Transactin... $0.15 Direct ACH Originated Crprate Credit/Debit Transactin... $0.15 EDI Charge Per Transactin... $1.00 EDI Service Maintenance Per Mnth... $25.00 Item Reversal Charge... $30.00 Ntificatin f Change... $2.00 Return Per Item Charge... $10.00 Same Day ACH... $0.40 Web ACH Credit/Debit Transactin... $0.15 BUSINESS ONLINE BANKING Each Additinal Lg-In ID (Emplyee Access Cntrl)... $5.00 Bill Pay Per Mnth (Up t 15 Payments Per Mnth)... $5.00 Each Additinal Bill Pay Over 15 Payments Per Mnth... $0.40 Bill Pay Overnight Check... $17.50 Bill Pay Paid Return Item Per Item... $30.00 Bill Pay Re-Issue Draft Per Item... $30.00 Bill Pay Stp Payment Draft Per Request... $30.00 Same Day Electrnic Bill Payment... $12.95 Stp Payment F&M Paper Check Per Request... $30.00 BUSINESS ONLINE BANKING WITH CASH MANAGER Cash Manager Per Mnth (Up t 3 Lg-In IDs)... $35.00 CHECK IMAGE DEPOSIT One Time Set-Up... $ Mnthly (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 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. COIN (IN OR OUT) Cin & Currency Change Order... $5.00 Per Standard Bag Depsited... $5.00 Per Mixed Standard Bag Depsited... $8.00 Per Rll Depsited... $0.10 Per Bx/Bag Prvided... $4.00 Bx/$0.60 Bag Per Lse Standard Bag Prvided... $3.50 Per Rll Prvided... $0.12 COLLECTION PROCESSING Incming Dmestic... $50.00 Incming Internatinal... $60.00 Outging Dmestic (Plus Crrespndent Bank Fees)... $15.00 Outging Internatinal (Plus Crrespndent Bank Fees)... $30.00 COPY Per Item (e.g. Checks, Depsit Slips)... $3.00 Per Statement With Images... $10.00 Per Statement Withut Images... $5.00 Per CD-ROM Statement (Nt Available t New Accunts)... $15.00 CURRENCY (IN OR OUT) Per $1, Depsited... $1.40 Per $1, Prvided... $1.20 EARLY ACCOUNT CLOSURE Checking/ Mney Market Accunts (Within 90 Days f Opening)... $15.00 Savings Accunts (Within 1 Year f Opening)... $15.00 LOCKBOX ELECTRONIC Set-Up Per Bx... $ Maintenance Per Bx Per Mnth... $ Mnthly Minimum... $ Reprting Per Mnth... $ Crrespndence... $0.15 Data Entry Per Keystrke... $0.025 Depsit... $1.25 Depsit Batch... $1.50 Image Transactin... $0.08 Items Prcessed Per Online Item... $0.45 Items Prcessed Per Paper Item... $0.65 MEDICAL ELECTRONIC LOCKBOX (MED ESOLUTIONS) Please See All Fees Nted Abve fr Electrnic Lckbx Med eslutins Image Transactin... $0.45 REMOTE DEPOSIT CAPTURE (RDC) One Time Set-Up Per Lcatin... $ Rental Fee Per Mnth (Scanner Plus Maintenance)... $25.00-$50.00 Mnthly License (Up t 2 Licenses)... $30.00 Mnthly (Licenses in Excess f the First 2)... $20.00 Check Scanned and Prvided Electrnically On-Us Item: F&M Drawn Item Per Check... $0.15 Nn-F&M Item: Transit Item Per Check... $0.15 Bundled RDC Per Item Charges (Scanning and Transmitting)... $0.15 SAFE DEPOSIT BOX Please see Business Schedule f Fees SMART SAFES Mnthly Service Per Unit... $ WIRE TRANSFERS DOMESTIC & USD INT L VIA US CORRESPONDENT BANK* Incming Dmestic Wire entice... $10.00 Incming Dmestic Wire Mail Ntice... $15.00 Online Banking Outging Wire entice... $15.00 Online Banking Outging Wire Mail Ntice... $20.00 Outging Dmestic Wire entice... $30.00 Outging Dmestic Wire Mail Ntice... $35.00 *Online banking wires are fr Dmestic & Int l via US Crrespndent Bank purpses nly WIRE TRANSFERS INTERNATIONAL Persnal Outging Internatinal (Crrespndent Fees Included)... $60.00 Persnal Incming Internatinal Wire entice... $10.00 Persnal Incming Internatinal Wire Mail Ntice... $15.00 Incming Internatinal Wire entice... $10.00 Incming Internatinal Wire Mail Ntice... $15.00 Outging Internatinal Wire USD... $50.00 Outging Internatinal Wire FX... $

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 A Minimum Balance Fee f $20 will be impsed every mnth if the balance in the accunt falls belw $5,000 any day f the statement cycle. A Per Check/Withdrawal Fee f $0.40 fr each debit transactin (withdrawal, check paid, autmatic transfer r payment ut f yur accunt) will be impsed after the first 300 debit transactins, per statement cycle. Brnze Checking A $15 Early Clsure Fee will be impsed if this accunt is clsed within 90 days frm the pening date. A $3 Paper Statement Fee is assessed fr each paper statement when yu elect t receive this accunt s statement by mail. T avid this fee, yu must enrll in electrnic delivery f statements called estatements. A $30 Overdraft Fee is assessed fr each verdraft item paid. The fee applies t verdrafts created by check, in-persn withdrawal, ATM withdrawal, r ther electrnic means, as applicable. A cmplete schedule f ther accunt related fees can be fund n the Business Schedule f Fees. Minimum balance t pen: $100. This accunt des nt pay interest. A Brnze Debit Mastercard is prvided. Free Debit Card Alerts. Free Online Banking. Free Bill Pay (Up t 15 Payments Per Mnth, $0.40 each thereafter). Free Mbile Banking with Text Banking. Free Mbile Check Depsit. Free Direct Depsit, Telebanker, Call Supprt, estatements and entices. Unlimited Check Writing. Fees $8 Mnthly Service Charge (Maintenance Fee). Ways t Waive $8 Maintenance Fee during each statement cycle: Maintain a minimum daily balance f $500 r mre in this accunt; r Maintain an average daily balance f $1,000 r mre in this accunt. 8

9 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. The perid we use is a mnth. A Per Check/Withdrawal Fee f $0.30 will be impsed fr each debit transactin (withdrawal, check paid, autmatic transfer, r payment ut f this accunt) if the balance in the accunt falls belw $500 any day f the statement cycle OR if the average daily balance fr the statement cycle falls belw $1,000. The perid we use is a mnth. A $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 $3 Paper Statement Fee is assessed fr each paper statement when yu elect t receive this accunt s statement by mail. T avid this fee, yu must enrll in electrnic delivery f statements called estatements. Overdraft Features: A $30 Overdraft Fee is assessed fr each verdraft item paid. The fee applies t verdrafts created by check, in-persn withdrawal, ATM withdrawal, r ther electrnic means, as applicable. A $30 Overdraft Fee BP is assessed fr each verdraft item paid thrugh the Bunce Prtectin. The daily maximum Overdraft Fee and/r Overdraft Fee BP assessed is limited t five r $150 n each persnal depsit accunt. A $15 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 Persnal 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: $ $99,999.99; $100,000 - $499,999.99; $500,000 - $999,999.99; and $1,000,000 r mre. Cmpetitive market rates apply. Fees A $25 maintenance fee per statement cycle applies fr all accunts under the same analyzed grup in additin t service fees accrding t the Accunt Analysis Schedule f Fees. A $3 Paper Statement Fee is assessed fr each paper statement when yu elect t receive this accunt s statement by mail. T avid this fee, yu must enrll in electrnic delivery f statements called estatements. A $30 Overdraft Fee is assessed fr each verdraft item paid. The fee applies t verdrafts created by check, in-persn withdrawal, ATM withdrawal, r ther electrnic means, as applicable. A $15 Early Clsure Fee will be impsed if this accunt is clsed within 90 days frm the pening date. 9

10 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. Fees A Minimum Balance Fee f $20 will be impsed every mnth if the balance in the accunt falls belw $5,000 any day f the statement cycle. A Per Check/Withdrawal Fee f $0.40 fr each debit transactin (withdrawal, check paid, autmatic transfer r payment ut f yur accunt) will be impsed after the first 300 debit transactins, per statement cycle. A $3 Paper Statement Fee is assessed fr each paper statement when yu elect t receive this accunt s statement by mail. T avid this fee, yu must enrll in bth estatements and entices, which are the Bank s electrnic delivery f statements. A $30 Overdraft Fee is assessed fr each verdraft item paid. The fee applies t verdrafts created by check, in-persn withdrawal, ATM withdrawal, r ther electrnic means, as applicable. A $15 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 Business 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 r 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. 10

11 7 31 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. 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

12 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 r 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. 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. 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 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. 12

13 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 Silver 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. N mnthly minimum balance fees. A $3 Paper Statement Fee is assessed fr each paper 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 called estatements. A $15 Early Clsure Fee will be impsed if this accunt is clsed within 90 days frm the pening date. Overdraft Features: A $30 Overdraft Fee is assessed fr each verdraft item paid. The fee applies t verdrafts created by check, in-persn withdrawal, ATM withdrawal, r ther electrnic means, as applicable. A $30 Overdraft Fee BP is assessed fr each verdraft item paid thrugh the Bunce Prtectin. The daily maximum Overdraft Fee and/r Overdraft Fee BP assessed is limited t five r $150 n each persnal depsit accunt. A cmplete schedule f ther accunt related fees can be fund n the Persnal Schedule f Fees. Gld Checking Minimum balance t pen: $100. A Gld Debit Mastercard is prvided. Free Debit Card 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 Statements, upn request. Unlimited Check Writing. Free first bx f F&M lg checks. 13

14 Free Cashier s Checks, Mney Orders and Traveler s Cheques (Please see Branch Management fr details) Free Sweep and Telephne Transfers. 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. 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 $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) r a cmbined ttal f $100,000 r mre f the average daily balance in a checking and/r savings accunt(s), and/r the ledger (current) balance in a Certificate f Depsit (CD) 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 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. The perid we use is a mnth. **The primary accunthlder is the persn identified in the sectin "Owner/Signer Infrmatin" f the Accunt Agreement used t pen this accunt. The average daily (ledger) balance fr related accunts is calculated by adding the principal in the accunt(s) fr each day frm the first day f the related accunt's current statement cycle thrugh the last day f this accunt's statement cycle, divided by the number f days between these tw dates. The current (ledger) balance is the current balance n CD accunts (w/ a primary r jint relatinship) that are related t the primary accunthlder. The cmbined average daily (ledger) balance is the sum f the average daily balances in this accunt and in each checking and/r savings accunt(s) (w/ a primary r jint relatinship) that are related t the primary accunthlder. The cmbined ttal is calculated by adding the cmbined average daily (ledger) balance and the ledger (current) balance. A $15 Early Clsure Fee will be impsed if this accunt is clsed within 90 days frm the pening date. 14

15 Overdraft Features: A $30 Overdraft Fee is assessed fr each verdraft item paid. The fee applies t verdrafts created by check, in-persn withdrawal, ATM withdrawal, r ther electrnic means, as applicable. A $30 Overdraft Fee BP is assessed fr each verdraft item paid thrugh the Bunce Prtectin. The daily maximum Overdraft Fee and/r Overdraft Fee BP assessed is limited t five r $150 n each persnal depsit accunt. A cmplete schedule f ther accunt related fees can be fund n the Persnal Schedule f Fees. Health Savings Accunt (HSA) Minimum balance t pen: $100. Health Savings Debit Mastercard is prvided. Free Debit Card Alerts. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office r 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. 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 $10 will be impsed every quarter if the average daily balance fr the quarter 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. The perid we use is a calendar quarter. A $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 $3 Paper Statement Fee is assessed fr each paper statement when yu elect t receive this accunt s statement by mail. T avid this fee, yu must enrll in electrnic delivery f statements called estatements. Overdraft Features: A $30 Overdraft Fee is assessed fr each verdraft item paid. The fee applies t verdrafts created by check, in-persn withdrawal, ATM withdrawal, r ther electrnic means, as applicable. A $15 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 Persnal Schedule f Fees. 15

16 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 r 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 $25 will be impsed every mnth if the balance in the accunt falls belw $6,000 any day f the statement cycle. A Per Check/Withdrawal Fee f $0.40 fr each debit transactin (withdrawal, check paid, autmatic transfer r payment ut f yur accunt) will be impsed after the first 300 debit transactins, per statement cycle. A $3 Paper Statement Fee is assessed fr each paper statement when yu elect t receive this accunt s statement by mail. T avid this fee, yu must enrll in electrnic delivery f statements called estatements. A $30 Overdraft Fee is assessed fr each verdraft item paid. The fee applies t verdrafts created by check, in-persn withdrawal, ATM withdrawal, r ther electrnic means, as applicable. A $15 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 Business Schedule f Fees. Interest n Checking (Persnal) N lnger available t new accunts. The interest rate and annual percentage yield n the accunt can be btained frm any F&M Bank Office r 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. 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 $10 will be impsed every mnth if the average daily balance fr the statement cycle falls belw $1,000. The average daily balance is 16

17 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 Per Check/Withdrawal Fee f $0.30 will be impsed fr each debit transactin (withdrawal, check paid, autmatic transfer, r payment ut f the accunt) if the average daily balance fr the statement cycle 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. The perid we use is a mnth. A $3 Paper Statement Fee is assessed fr each paper statement when yu elect t receive this accunt s statement by mail. T avid this fee, yu must enrll in electrnic delivery f statements called estatements. Overdraft Features: A $30 Overdraft Fee is assessed fr each verdraft item paid. The fee applies t verdrafts created by check, in-persn withdrawal, ATM withdrawal, r ther electrnic means, as applicable. A $30 Overdraft Fee BP is assessed fr each verdraft item paid thrugh the Bunce Prtectin. The daily maximum Overdraft Fee and/r Overdraft Fee BP assessed is limited t five r $150 n each persnal depsit accunt. A $15 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 Persnal Schedule f Fees. This accunt is n lnger ffered in the branch. N new accunt f this type will be pened. 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. 17

18 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 r 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. 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 $15 will be impsed every mnth if the balance in the accunt falls belw $4,000 n any day in the statement cycle. A $3 Paper Statement Fee is assessed fr each paper statement when yu elect t receive this accunt s statement by mail. T avid this fee, yu must enrll in electrnic delivery f statements called estatements. A $30 Overdraft Fee is assessed fr each verdraft item paid. The fee applies t verdrafts created by check, in-persn withdrawal, ATM withdrawal, r ther electrnic means, as applicable. A $15 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 Business 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 r 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 18

19 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 $15 will be impsed every mnth if the balance in the accunt falls belw $2,500 n any day in the statement cycle. A $3 Paper Statement Fee is assessed fr each paper statement when yu elect t receive this accunt s statement by mail. T avid this fee, yu must enrll in electrnic delivery f statements called estatements. Overdraft Features: A $30 Overdraft Fee is assessed fr each verdraft item paid. The fee applies t verdrafts created by check, in-persn withdrawal, ATM withdrawal, r ther electrnic means, as applicable. A $30 Overdraft Fee BP is assessed fr each verdraft item paid thrugh the Bunce Prtectin Prgram. The daily maximum Overdraft Fee and/r Overdraft Fee BP assessed is limited t five r $150 n each persnal depsit accunt. A $15 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 Persnal Schedule f Fees. Market Rate Savings (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 r 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 $15 will be impsed every quarter if the average daily balance fr the quarter 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. The perid we use is a calendar quarter. A Per check/withdrawal Fee f $3 will be impsed fr each debit transactin (withdrawal, check paid, autmatic transfer r payment ut f yur accunt) if the balance in the accunt falls belw $1,000 any day f the quarter n withdrawals exceeding six per quarter. 19

20 A $3 Paper Statement Fee is assessed fr each paper statement when yu elect t receive this accunt s statement by mail. T avid this fee, yu must enrll in electrnic delivery f statements called estatements. A $30 Overdraft Fee is assessed fr each verdraft item paid. The fee applies t verdrafts created by check, in-persn withdrawal, ATM withdrawal, r ther electrnic means, as applicable. A $15 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 Business 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 r 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 $10 will be impsed every quarter if the average daily balance fr the quarter falls belw $500. 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. The perid we use is a calendar quarter. A Per Check/Withdrawal Fee f $2 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 $3 Paper Statement Fee is assessed fr each paper statement when yu elect t receive this accunt s statement by mail. T avid this fee, yu must enrll in electrnic delivery f statements called estatements. A $30 Overdraft Fee is assessed fr each verdraft item paid. The fee applies t verdrafts created by check, in-persn withdrawal, ATM withdrawal, r ther electrnic means, as applicable. A $15 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 Persnal Schedule f Fees. 20

21 Platinum Checking Minimum balance t pen: $100. A Platinum Debit Mastercard is prvided. Free Debit Card 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 Statements, 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 Dmestic Wire Transfers Incming and Outging. Additinal Benefits n an pen Platinum Checking Accunt, upn request: One savings accunt (Yuth Savings r Market Rate Savings) where the Minimum Balance Fee and Per Check/Withdrawal Fee are waived. One Safe Depsit Bx, based n availability, where the annual rent payment is waived fr ne year frm the date the bx is pened. Waived Stp Payment, Sweep Transfer, and Telephne Transfer Fees. This accunt pays interest based n tiered 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 r 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 $50 Mnthly Service Charge (Maintenance Fee). Ways t Waive $50 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 21