Welcome to Farmers & Merchants State Bank

Welcome to Farmers & Merchants State Bank Products & Services Conversion Guide

Welcome to Banking at F&M! This guide contains helpful information you need for conversion weekend, beginning at 12:00 pm on January 19 to January 22, 2019, when your Bank of Geneva accounts convert to Farmers & Merchants State Bank. Please carefully review this information to better understand the transition to F&M and how it may affect you. You Can Bank On Us

Inside this Guide General Information 4 Personal Deposit Account Information 8 Additional Consumer Services 15 Retail Lending Services 21 FM Investment Services 23 Business Deposit Account Information 24 Business Lending Services 25 Additional Business Services 26 Office Locations 30 Questions? Prior to January 22: Contact your local Bank of Geneva office or call 260.368.7288. On or after January 22: Contact your local office or call Farmers & Merchants State Bank at 800.451.7843.

General Information - FAQs Q. How will I benefit when Bank of Geneva becomes part of Farmers & Merchants State Bank? A. Bank of Geneva and Farmers & Merchants State Bank are both communitybased banks and are alike in many ways. F&M will continue its tradition of local, personal service. Plus, now we can do more for you than ever before. Please read through this account information guide for details about services that will soon be available to you. Q. When will my Bank of Geneva accounts convert to F&M accounts? A. Your accounts automatically convert to F&M accounts at the beginning of business Tuesday, January 22, 2019. Q. Where can I conduct my banking? A. For now, please continue to bank at your local office. Beginning January 22, 2019, you ll also have access to full-service banking throughout the F&M market, including 30 office locations and 34 ATMs across Adams, Allen, DeKalb, Jay and Steuben counties in Indiana and Defiance, Fulton, Hancock, Henry, Lucas, Williams and Wood counties in Ohio. Starting January 22, 2019 you can also bank by phone 24 hours a day, 7 days a week through EZ Access Line, our telephone banking, by calling 800.451.7843, via online banking services, F&M Online at www.fm.bank, or via F&M Mobile Banking. You Can Bank On Us! At F&M we understand how important your finances are to you. For over 121 years in the communities we serve, F&M has been committed to making it Easy to be Smart with your Money! F&M values you as a customer. Our offices are not just bank branches, but places where our dedicated, friendly and experienced team is ready to assist you with all your financial needs. 4

Q. What about my savings and checking account numbers and checks? A. You will be able to keep your same savings and checking account numbers. You can continue to use your Bank of Geneva checks until your supply is depleted at which time you will need to order F&M checks with F&M s routing and transit number. Q. Will my direct deposit and automatic transfer continue as before? A. Yes. If you have a direct deposit of Social Security, payroll or other regular payments, your current service will continue without interruption. In addition, if you have automatic transfers between your deposit accounts or automatic deductions of loan payments, these services will continue without interruption. (Please note: if your automatic payment should fall on a non-business day, these transactions will occur on the next business day.) Q. Will stop payment requests I made at Bank of Geneva be honored? A. Yes. If you currently have a stop payment order in effect for any item on your account, it will be honored by F&M. Q. What about my safe deposit box? A. You will continue to access your safe deposit box as you have in the past. Q. Is overdraft protection available at F&M? A. Yes. If you protected your checking account through transfers from savings, checking, home equity, line of credit or business line of credit, this service will continue. Established amounts will be transferred for a fee of $5.00 per month and will be assessed to accounts on or after May 1, 2019. In addition, checking account holders of Bank of Geneva will enjoy the benefits of our Courtesy Pay program. Courtesy Pay is a discretionary overdraft service for eligible checking accounts, in which F&M strives to pay checks and auto draft items when funds are not available in your account. In order to extend the Courtesy Pay Service to your everyday debit and ATM transactions, your acknowledgement is needed. 5

General Information - FAQs Q. Will my Christmas Club and Vacation Club continue? A. Yes. Your Christmas Club account will mature on October 5, 2019. It may be necessary to make additional payments in order to complete your Christmas Club before the account matures in October 2019. In addition, you may wish to consider making deposits to your Christmas Club through automatic transfers from another account. This will ensure that your account is completely funded by maturity. At annual maturity, Christmas Club funds will be distributed by check or automatically deposited to an account specified for direct deposit of these funds. Vacation Clubs will mature on May 5, 2019 and funds will be distributed by check or automatically deposited to an account specified for direct deposit of these funds. These accounts will NOT automatically renew upon maturity. Q. When will I receive statements for my checking and savings accounts? A. In the future, your checking statement will arrive around the same time of the month as before. You will receive your savings statement quarterly on March 31, June 30, September 30 and December 31, or monthly if you had electronic activity during the month. Q. Are combined statements available at F&M? A. Yes. If you currently have a combined statement, it will continue. If you would like to request a combined account statement, please visit your local office or call us at 800.451.7843. A checking account is required for a combined statement. You may add your savings and money market accounts, which will be reported in detail, as well as your CDs, IRAs and loans which will be reported in the summary section. 6

Q. After conversion, will my monthly checking statement change? A. No. Your current statement preferences will continue. Customers who are currently receiving check images with their statements will automatically continue receiving this service. Images of all your cancelled checks may be printed in an easy-to-read format and be included in your monthly statement. Your check images may serve as proof of payment and receipt of your transactions. Check images are also available at no charge through F&M Online Banking. Q. I have accounts at both Bank of Geneva and F&M. Will my deposit accounts continue to be FDIC-insured? A. Yes. Please be assured that your deposits will continue to be FDIC-insured up to the maximum allowed by law. If you currently have deposits at both banks and these deposits total more than the FDIC insured limits because of this change, your deposits at each office will continue to be insured separately for a period of six months after the transition. Your Certificates of Deposits will continue to be separately insured until the earliest maturity date after the end of the six-month period. After the transition period, your funds at the combined banks will be added together for the purpose of determining the amount of your FDIC coverage. If you have more than $250,000 in combined deposits, we will be pleased to discuss different ways that your accounts may be insured at F&M. If you would like information about coverage, please visit your local office to request a copy of our brochure about FDIC insurance. 7

Deposit Account Conversion Q. How will my checking and savings accounts change? A. Your account type may have a new name and may have some new features. This table lists the previous Bank of Geneva checking and savings account types on the left and the new F&M checking and savings products on the right. Bank of Geneva Farmers & Merchants State Bank Simply Free Checking Regular Checking High Interest Checking EZ Interest Checking Simply Checking Simply Checking High Interest Checking EZ Interest Checking 50+ Checking 50+ Checking NOW Checking Clean Start Checking Money Maker Bonus Checking Health Savings Account Simply Savings Statement Savings Christmas Club IRA Savings Vacation Club Money Market Savings NOW Checking Clean Start Checking Money Maker Bonus Checking Health Savings Account - Individual Health Savings Account - Family Simply Savings or Moola Moola (age 0-13) or Teen Savings (age 14-18) Simply Savings Christmas Club IRA Savings Vacation Club Money Market Savings If you have any questions about the conversion of your accounts, please contact the Deposit Administration Department at 419.446.2501 or 800.451.7843. Please see the following pages for additional checking account products. 8

Personal Checking Accounts Kasasa Cash Kasasa Cash w/ Saver Kasasa Cash Back Secure Checking Interest Account Features ATM Fee Refunds when qualifications met; Higher interest when qualifiers met ATM Fee Refunds when qualifications met; Higher interest on both Cash & Saver when qualifiers met ATM Fee Refunds when qualifications met; 1.50% Cash Back on debit card purchases up to $5 per month ID Protect services Service Charge None None None $4.95/ month Qualifications 12 Debit Card point of sale purchases, 1 ACH or Direct Deposit and Be enrolled for Online Statements 20 Debit Card point of sale purchases, 1 ACH or Direct Deposit and Be enrolled for Online Statements 16 Debit Card point of sale purchases, Log in to online banking each monthly qualification cycle, and Be enrolled for Online Statements None Overdraft Protection Services Protect your checking account from inadvertent overdrafts by linking it to an overdraft line of credit, home equity line, or via transfers from another checking or savings account. Our EZ Overdraft Protection service offers a great way to protect your checking account and gives you instant access to extra cash when you need it. This service is available for $5.00 per month. 9

What s Kasasa? It s like earning money. Just more of it. 1.81 % APY* on balances up to $15,000 if qualifications are met And it s easy to earn our highest rates... All of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle: At least 1 direct deposit or ACH payment transaction(s) At least 12 debit card purchases Be enrolled in and agree to receive e-statements Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A. 0.05 % APY* on all balances even if qualifications aren t met Plus add Kasasa Saver* an automatic way to set cash aside. fm.bank

What s Kasasa? It s like you get paid to shop 1.50% CASH BACK On everyday debit card purchases* And it s easy to earn cash back... Just do the following transactions & activities in your Kasasa Cash Back account each monthly qualification cycle: At least 16 debit card purchases Be enrolled in and agree to receive e-statements Be enrolled in and log into online banking fm.bank Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

KASASA Cash : *APY= Annual Percentage Yield. APYs accurate as of 11/15/2018. Rates may change after the account is opened. Minimum to open a Kasasa Cash account is $50. If qualifications are met each monthly qualification cycle: (1) Nationwide ATM fees incurred during the qualification cycle will be reimbursed up to $15 and deposited to the account on the last business day each month; (2) balances up to $15,000 receive an APY of 1.81%; and (3) balances over $15,000 receive an interest rate of 0.12% on the portion of the balance above $15,000 resulting in APYs ranging from 1.81% to 0.37% depending on the balance (assuming a maximum account balance of $100,000). If qualifications are not met, the APY will be 0.05% on all balances. Qualifying transactions must post and settle the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post and settle an account. Monthly Qualification Cycle means the last business day of the month to one day prior to the last business day of the following month. The monthly qualification cycle is not the same as your monthly statement cycle. ATMprocessed transactions do not count as qualifying transactions. Intra-bank transfers do not count as qualifying ACH transactions. Fees may reduce earnings. Personal accounts only. Limit one account per household. If qualifications are not met during three consecutive monthly qualification cycles, this account may be converted to a Pure Checking account in the next monthly statement cycle immediately following the third consecutive non-qualifying cycle. Pure checking is a non-interest bearing account and nationwide ATM fee refunds will no longer be provided. KASASA SAVER : *APY= Annual Percentage Yield. APYs are accurate as of 11/15/2018. Rates may change after the account is opened. You must have a Kasasa Cash checking account to open a Kasasa Saver savings account. Refer to Kasasa Cash checking requirements and disclosures. Minimum to open a Kasasa Saver is $50. (1) Kasasa Saver balances up to $20,000 receive an APY of 0.50% if qualifications are met each qualification cycle on your Kasasa Cash account; (2) balances above $20,000 receive an interest rate of 0.12% on the portion of the balance above $20.000 if qualifications are met each qualification cycle on your Kasasa Cash account resulting in APYs ranging from 0.50% - 0.90% depending on the balance in the account (assuming a maximum account balance of $100.000). If qualifications on your Kasasa Cash account are not met, the APY will be 0.01% on all balances. Monthly Qualification Cycle means the last business day of the month to one day prior to the last business day of the following month. The qualification cycle is not the same as your monthly statement cycle. The advertised Kasasa Cash APY is based on compounding interest. The interest earned on Kasasa Cash is deposited on the last business day each month and automatically transferred to Kasasa Saver the next business day where it then compounds interest at the Kasasa Saver APY. The actual interest paid on Kasasa Cash could be less than the advertised APY. The Kasasa Saver APYs may be less than the Kasasa Cash APYs. Qualifying transactions must post and settle your Kasasa Cash account during the monthly qualification cycle. If Kasasa Cash qualifications are met within the monthly qualification cycle, nationwide ATM fee refunds up to $15 (on the Kasasa Cash account only) will be deposited on the last business day each month and automatically transferred to Kasasa Saver the next business day. Fees may reduce earnings. Personal accounts only. Limit one account per household. If qualifications are not met during three consecutive monthly qualification cycles, this account may be converted to a Statement Savings account in the next monthly statement cycle immediately following the third consecutive non-qualifying cycle. As a Statement Savings account, the account is subject to a $300.00 minimum daily balance requirement or it is subject to a $3.00 monthly service fee and the annual percentage yield is not paid on balances below $300.00. Kasasa Cash Back : * Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, and debit card purchases processed by merchants and received by our bank as ATM transactions, Monthly Qualification Cycle means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, you will receive: (1) 1.50% cash back up to a $5.00 maximum on debit card purchases that post and settle to the account during that cycle period and (2) reimbursements up to $10.00 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. If you believe you have not been reimbursed the correct amount of ATM Fees, you must contact us within thirty (30) calendar days of transaction after the Statement Cycle where the reimbursement was applicable in order to receive a refund. When Kasasa Cash Back qualifications are not met, no cash back payments are made on debit card purchases and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the statement cycle. At our discretion, rewards may change at any time after account is opened. Purpose and Use Expectations: The Kasasa Cash Back account is intended to be the accountholder s primary checking account in which payroll transactions and day-to-day spending activities are posted and settled. The account s debit card is expected to be used frequently throughout each month and for transactions and amounts to reflect a wide dollar range. The bank reserves the right to determine if this account is being maintained for a purpose other than primary, day-to-day use. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A minimum $50.00 deposit is required to open the account. Monthly debit card point of sale purchases, enrollment in Online Statements, and monthly log-on to Online Banking required to meet account qualifications. You must provide a valid e-mail address. Your statement will cycle at monthend at which time you will receive an email notification from us. This account is not to be used for commercial purposes. There is a limit of one (1) Kasasa account per household. There are no recurring monthly service charges associated with this account. If qualifications are not met during three (3) consecutive Statement Cycles, the bank reserves the right to convert this account to a different checking account. Contact an F&M customer service representative for additional information, details, and enrollment instructions. 12

Health Savings Accounts HSAs are tax-advantaged investments accounts for medical expenses for participants in High Deductible Health Plans (HDHPs). What are the HSA tax advantages? HSA contributions by employers or employees are excluded from income HSA earnings are tax deferred If used for qualified medical expenses, HSA assets are never taxed HSA assets not used for medical expenses will be subject to income taxes and a 10% penalty HSA balances accumulate year after year Excess dollars can be saved for future medical expenses HSA accounts are portable Why F&M? As the custodian of your HSA, F&M has one goal and that is to assist you in meeting your needs. We provide simple solutions for establishing and coordinating your benefit package. Whether you want to start your HSA or transfer your existing account, we can help. This includes: Walk into any F&M office and make contributions Timely transactions - viewed same day from online banking Employee education Monitoring of contribution limits Annual IRS reporting Current Bank of Geneva HSA accountholders will soon be receiving your new F&M HSA Debit Card. You may activate your new card after 4:00 pm on Saturday, January 19, 2019, by calling 1-800-992-3808 from a telephone number we have on file for you or by visiting your local office for assistance. Your current Bank of Geneva HSA Debit Card will be automatically deactivated at 8:00 a.m. on January 22, 2019. For additional information, please refer to the Health Savings Account disclosure on page 33 in the Account Disclosures Booklet and the Health Savings Account Mastercard Cardholder agreement located in the Account Disclosures Booklet on page 45. 13

CDs and IRAs At F&M, your Certificates of Deposit (CD) and Individual Retirement Accounts (IRA) will continue in the same manner disclosed at account opening or the most recent account renewal. At renewal, you will find that we have a variety of rewarding FDIC-insured options for you. After your account converts: Your CD and the fixed rate IRA will continue with the same interest rate structure until maturity. Crediting of interest on CDs/IRAs: Until maturity, interest will continue to be credited to your account in the same manner disclosed at account opening or the most recent account renewal. Please visit your local bank office if you would like to make different arrangements. Interest payment schedule: At F&M, interest will continue to be paid to your account with the same frequency. Maturity notices: A maturity notice is sent approximately 30 days prior to account maturity. Grace period: You will have a grace period of up to 10 days after the date of maturity to determine if you would like to invest your funds differently, or allow them to renew automatically. Automatic renewal: At maturity, if your CD/IRA automatically renews, the renewal term will be stated on your renewal notice. At the time of automatic renewal, your CD and IRA accounts will be administered by F&M s standard terms and conditions, including early withdrawal penalties. Early withdrawal penalties: The penalty for principal withdrawals before account maturity is disclosed at account opening or the most recent renewal. Want your Certificate of Deposit (CD) covered by FDIC Insurance up to $50 million? F&M is a member of a special network called CDARSSM. When you open a sizeable amount CD with F&M, we place your funds into a Certificate of Deposit issued by other banks in the network (in increments of less than $250,000) so both your principal and interest are eligible for complete FDIC protection. These exchanges which occur on a dollar-for-dollar basis, bring the full amount of your original deposit back to F&M. As a result, we can make the full amount of your deposit available for community lending purposes and you can access FDIC insurance coverage from many banks while working with just F&M. 14

Debit Card & ATM Services At F&M, you ll continue to enjoy 24-hour access to your accounts at ATMs around the corner and around the world. You will soon be receiving your new F&M Debit MasterCard by mail. Please discontinue using your Bank of Geneva Debit or ATM Cards and begin using your new F&M Debit Cards on or after January 22, 2019 after 8:00 am. You may activate your card by calling 1-800-992-3808 from a phone number we have on file on or after January 19, 2019 after 4:00 pm. If you have trouble activating your new Debit Card please call F&M at 800.451.7843 or stop into your local office for assistance. You can easily change your Debit Card PIN by visiting any one of our F&M ATMs. Please visit our website, www.fm.bank, to find our convenient F&M ATM locations. To help you make your life a little easier, our Debit Cards are free of monthly service fees for all F&M cardholders. In addition, there are no transactions fees if you use any one of F&M s 34 ATMs. Normal transaction fees apply at non- F&M ATMs. The monetary limits on your new F&M Debit Card are $3,000 for point of sale purchases and $500 for ATM cash withdrawals within a 24-hour period. For additional information, please refer to the Debit Card Agreement/Terms and Conditions on page 42 in the Account Disclosures Booklet. MasterCard & Visa Credit Cards MasterCard and Visa credit cards are available and accepted worldwide for purchases or cash advances. You will have peace of mind knowing your credit card is secure from fraud with Zero Liability Protection. Choose from fixed or adjustable rate options with no annual fee Take advantage of our ScoreCard rewards system View card statements and make payments at mycardstatement.com Make your payments by mail, online, at any office location or by automatic payment Depend upon local customer service 15

Personal Online Banking Welcome to anytime, anywhere access to all of your accounts via F&M Personal Online Banking. With F&M Personal Online Banking you can check balances, transfer money, pay bills, view statements, view checks, stop payment on a check, pay a friend for lunch, and transfer money to and from another bank account. After your accounts are converted, enjoy the convenience and flexibility of banking online. Beginning the evening of Thursday, January 17, 2019, Bank of Geneva Online Banking and Mobile Banking will no longer be accessible for the Bank of Geneva users. Beginning Tuesday, January 22, 2019, F&M Online Services will be available via our website (www.fm.bank). Customers who were previously enrolled in Online Banking with the Bank of Geneva will be receiving a separate communication from F&M containing their log in information. New to Online Banking? Beginning Tuesday, January 22, 2019, you can enroll in Personal Online Banking with F&M. To enroll in Online Banking, go to the F&M website at www.fm.bank, click the Online Banking button, and select New User Enrollment. From there, you will be required to enter the account type, your full account number, your social security number, Personal Identification Number (PIN), and email address at which you would like to receive confirmations and notifications of online banking activity. Click the Enroll button to submit your enrollment request. You will then follow the prompts to finish setting up your online banking username and password. QuickBooks and Quicken Using QuickBooks or Quicken with your F&M Online Banking There are many benefits of using QuickBooks and Quicken in conjunction with your F&M Online Banking. Keeping track of your personal finances is easier with Direct Connect. It allows you to log in to your Quicken or QuickBooks software and update your account information with just one click. A few of the benefits are no manual data entry, automatic account reconciliation, and a special transaction-matching algorithm that prevents duplicate transactions from being downloaded. 16

With F&M Online Banking, you can also use Web Connect. Web Connect offers you manual control over your data feed, as you export from your online banking account, and then, import your transactions and account balances into QuickBooks or Quicken. Export file types include.qfx or.qbo. QuickBooks and Quicken users can reactivate their software with their F&M account starting Tuesday, January 22, 2019. Notifi Alerts Notifi is F&M s alert and notification system. Notifi gives you the ability to receive relevant and real-time information that you need to stay on top of your finances. The Notifi alert feature can be found in your Online Banking. To enroll and subscribe to the Notifi alerts, simply select the Alert tab and follow the prompts. If you have previously set up alerts through your Bank of Geneva Online Banking, those alerts will need to be set back up when you enroll in F&M Online Banking. Alert examples include: Low balance alerts Transaction based alerts Deposit alerts Withdrawals over a certain threshold And many more! The Notifi alerts are customizable and give you the ability to set do not disturb hours. You can also control and customize how you receive your alerts. You can receive your alerts through email, text notification, or through a secure inbox inside your Online Banking profile. If you need assistance, please call 800.451.7843 or email ecommerce@fm.bank. 17

Mobile Banking with Mobile Deposit You now have F&M integrated in the palm of your hand with our Mobile Banking App! The F&M Mobile Banking App allows you to view past transactions from various accounts, transfer money, view check images, check your loan accounts, make loan payments, pay someone using Popmoney, and make a deposit, all from your smartphone. Where do I go to download the F&M Mobile Banking App? The F&M Mobile Banking App can be downloaded from the Google Play or Apple App Store. Search for: F&M Bank (OH, IN, MI) How do I log in to the F&M Mobile Banking App? Existing Online Banking Users - Open the App and enter your login credentials used for Online Banking. Not Enrolled in Online Banking - If you are not enrolled in Online Banking, select First Time User? Enroll Now when you open the App and follow the instructions to enroll. Mobile Deposit Mobile Deposit allows customers a way to electronically deposit checks quickly and easily from a smartphone (iphone or Android ) into an F&M deposit account. It is as simple as taking a photo of your check via the F&M Mobile Banking App. You must be enrolled in F&M Online Banking and have downloaded the F&M Mobile Banking App to have access to F&M Mobile Deposit. How do I endorse my check for Mobile Deposit? You agree to restrictively endorse any checks transmitted through Mobile Deposit with the following (or as otherwise instructed by F&M): Signed Endorsement Names of all payees as written on the front of the check For Mobile Deposit Only should be included as part of the endorsement(s) What is the cut-off time for processing the checks? The daily cut-off time for electronic deposit is 4:00 PM ET on any business day. Business days are Monday through Friday, excluding state or federal holidays. This daily cut-off time is subject to change by F&M without notice to you. 18

Deposits sent using Mobile Deposit may be submitted any time of day, night, weekend, or holiday. However, deposits received by F&M after the daily cut-off time for electronic deposits will be deposited the next business day, provided that the deposit meets all requirements for acceptance and successful processing. Deposits submitted on holidays or weekends will also be deposited the next business day, provided the deposit meets all requirements for acceptance and successful processing. Are there restrictions on the dollar amount of deposits I can submit? Yes. F&M may establish limits on the number of checks and/or the total amount of checks deposited using Mobile Deposit. These limits may vary by customer and change from time to time without notice. You may not deposit more than $2,000 per check and not more than $2,000 per day. Items transmitted that exceed your limits may result in a rejection of the deposit. When will I have access to my funds? Generally, if an image of an item you transmit through Mobile Deposit is received and accepted before F&M s daily cut-off time for Mobile Deposit, F&M considers that business day to be the day of your deposit. Funds from deposits received, accepted, and successfully processed through Mobile Deposit, generally, will be available for withdrawal the first business day after the day of your deposit. Successful processing of a check or item could be delayed due to bank review and verification procedures. F&M may apply additional delays on the availability of funds based on any other factors as determined by F&M in its sole discretion. E-Statements With Online Statements, you ll get your statements sooner than by mail, and you ll always have them when you need them, without having to dig through that old filing cabinet. Your statements will be located within your Online Banking. Benefits of Online Statements Save paper and save the environment Easily access past statements Ability to download for permanent storage or print if needed How do I access my Online Statements? 1. Log into your Online Banking. 2. From your Online Banking Home Page, select your account. 3. On the Account Information page, click on the Documents link. 4. In the Document Search Box, select Submit. 5. A list of your Available Documents will appear. Your most recent statement will be at the top of the selection page. 6. Select the statement link to access your statement. 19

Online Bill Pay Customers who were previously enrolled in Bank of Geneva s Bill Pay service will be receiving a separate communication from F&M. Bank of Geneva Bill Pay users will access your Bill Pay through your online banking account at F&M (www.fm.bank). You will click on the button labeled Bill Pay on the top navigation bar within online banking. The majority of your payees will be converted over to the new system. In rare instances, your payee information may not convert to what you initially entered when you added it to the Bank of Geneva Bill Pay system. We will ask for your help to make sure all of your payee information is accurate to help ensure your payments process correctly. Once your bill pay account has been moved to F&M, it will be very important that you logon and confirm that all your payee and payment information is accurate. Forget writing checks and stamping envelopes; save time and money by paying your bills electronically with F&M s Online Bill Pay service. You can pay your bills, view your e-bills, and maintain complete control over your activities through your online payment system. Now, pay your bills directly from your online or mobile banking service with a single sign-on. Additional services available with F&M s Bill Pay (additional transactional fees may apply): Popmoney Send and receive payments directly from your online or mobile banking service. - Existing Bill Pay customers will need to go through a 1-click activation process when first logging into Bill Pay to activate Popmoney. Account-to-Account (A2A) Transfer money between your accounts at F&M and your accounts at other financial institutions. For Bill Pay, once you are enrolled in F&M Personal Online Banking, click on the Bill Pay link, and follow the prompts to enroll. If you need assistance, please call 800.451.7843 or email ecommerce@fm.bank. 20

Telephone Banking (EZ Access Line) Get started with 24-hour Telephone Banking. Starting Tuesday, January 22, 2019, you will need to establish a new Personal Identification Number (PIN) for security reasons. Call F&M at 800.451.7843 or stop by your local office to receive assistance in establishing a new PIN. With free Telephone Banking, you can obtain automated information about your personal and business accounts by calling 888.446.2451 beginning January 22, 2019. You will be prompted to enter your PIN and account number. Get the latest information about your personal deposit and loan accounts. For your deposit account, you can find your balance, the date and amount of your most recent deposit, information about your most recent checks or withdrawals, the status of a specified check, and more. For your loan accounts, you can find out your balance and information about your latest and next payments. You can also transfer funds automatically between your linked checking, savings, and loan accounts. If you need assistance, please call 800.451.7843 or your local F&M office. Also, you may email customer service at ecommerce@fm.bank. Retail Lending Services Retail Lending encompasses all consumer loan products including car loans, home equity loans, and residential mortgages. F&M can meet all your consumer needs with competitive rates, affordable terms, and quality customer service. Whether you have questions about your current loan or are interested in something new, you can start your application online at www.fm.bank or contact a loan officer in any one of our convenient branch office locations. Payments: Make your payment at any F&M office, by automatic deduction from your checking account or savings account, by mail, online at www.fm.bank or through any other method currently used. If you have loan payments deducted automatically from your checking or savings account, this service will continue automatically after your account converts to F&M. Payments can be mailed to: Farmers & Merchants State Bank P.O. Box 216 Archbold, OH 43502 What about my current loan escrow account? If you re currently escrowing for real estate taxes, homeowner s insurance or flood insurance, the terms of your escrow account will stay the same. 21

Consumer Loans, Home Loans & Lines of Credit F&M offers a variety of consumer loans and credit products with fast approval, competitive interest rates and flexible payments designed to easily fit into your budget. You ll find we offer some of the best values around! Consumer Loans: Now you can afford the things you want a new vehicle, a vacation or use your loan for bill consolidation. Interest rates and monthly payments are fixed to help you plan your budget. Home Equity solutions: If you own your home, you can borrow at great rates, with fixed-rate loans or variable-rate lines of credit tailored to your individual borrowing needs. Your interest may be tax deductible! Ask your tax advisor for details. Residential Home Loans: Find out how you can finance the home of your dreams. We have lots of options; including long term fixed rates, plus fast approval and responsive, personal service. You will receive a notice disclosing our servicing procedures. Debt Protection: You can protect your consumer or mortgage loan against loss of income due to Involuntary Unemployment, Disability or Death (including Accidental Death). Find out how you can safeguard your family against an unforeseeable event by visiting a local office or call a loan officer today. Apply: You can apply for any type of F&M loan or line of credit at any F&M Office, over the phone or online at www.fm.bank. If you have any questions about your current consumer or home loan, please contact the Retail Lending Department at 419.446.2501 or 800.451.7843. Your current loan account numbers will remain the same. 22

FM Investment Services A Division of Farmers & Merchants State Bank The professionals at Farmers & Merchants State Bank provide you with the convenience of financial services through Raymond James Financial Services, Inc. We offer you unbiased information and access to a comprehensive array of investment products structured to meet your specific needs and goals. ANNUITIES BONDS INSURANCE MUTUAL FUNDS STOCKS ASSET MANAGEMENT SERVICES CORPORATE AND PUBLIC FINANCE ESTATE PLANNING RETIREMENT PLANNING WEALTH MANAGEMENT Brock Fruth, Financial Advisor RJFS 260.624.2108 bfruth@fm.bank RAYMOND JAMES FINANCIAL SERVICES, INC Securities offered through Raymond James financial Services, Inc., Member FNIRA/SIPC and are-not deposits-not insurance by FDIC/NCUA or any other government agency-not guaranteed by the financial institution-subject to risk and may lose value. Raymond James is not affiliated with the financial institution or the investment center. 23

Business Banking As our name implies, F&M has been servicing the businesses and communities of Northwest Ohio for over 121 years. We continue to serve the financial needs of individuals, farmers, businesses and industries by providing a wide array of financial products and services. Decisions are made locally so we can respond promptly to your business needs with the highest degree of personal service. We re looking forward to the opportunity to introduce you to services that can make managing your business easier and more rewarding for you. Business Checking How will my checking and savings accounts change? Your account type may have a new name and may have some new features. This table lists the previous Bank of Geneva checking and savings account types on the left and the new F&M checking and savings products on the right. Bank of Geneva Simply Free Business Checking Business Checking Business Interest Checking Statement Savings Business Farmers & Merchants State Bank Simply Business Checking Simply Business Checking Business Interest Checking F&M Business Savings Information about Business Checking and Savings accounts: You will be able to keep your same checking and savings account numbers. You can continue to use your Bank of Geneva checks until your supply is depleted at which time you will need to order F&M checks with F&M s routing and transit number. 24

Business Checking Check Images: Your current statement preferences will continue. Customers who are currently receiving check images with their statements will automatically continue receiving this service. Images of all your cancelled checks may be printed in an easy-to-read format and be included in your monthly statement. Your check images may serve as proof of payment and receipt of your transactions. Check images are also available at no charge through F&M Online Banking. Business Loan Services If you need commercial credit for a specific purpose, for ongoing expenses or for expansion, F&M will work with you to find the loan or line of credit that will help you achieve your goals. Payments: Make your payment at any F&M office, by automatic deduction from your checking account or savings account, by mail, online at www.fm.bank or through any other method currently used. If you have loan payments deducted automatically from your checking or savings account, this service will continue automatically after your account converts to F&M. Payments can be mailed to: Farmers & Merchants State Bank P.O. Box 216 Archbold, OH 43502 25

Business Credit Options F&M offers a variety of competitive commercial loan products and services, with local decision making, flexible underwriting and payment terms and competitive interest rates. Excellent commercial services will be provided to you and your company by professional bankers. F&M offers the following commercial loan products and services: Business loans for operating and capital Business and Investment Real Estate Financing Business Revolving Lines of Credit Letters of Credit SBA and other government guaranteed lending programs Agricultural Services If you re a farmer, you know how important it is to have strong financial support you can depend on. F&M believes agriculture is an important part of our local economy. A community bank like ours provides agricultural financial assistance with loans, savings and checking accounts, plus financial counseling. Ag Services: Trend Analysis Lines of Credit Farm Equipment Loans Livestock Loans Real Estate Operating Notes Grain Storage Loan FSA Loan Programs 26

Business Credit Card MasterCard and Visa credit cards are available and accepted worldwide for purchases or cash advances. From the large corporation with multiple accounts to the sole proprietor with simpler needs, F&M Business Cards will meet your needs. You will have peace of mind knowing your business cards are secure from fraud with Zero Liability Protection. Manage your employee s expenses with limits set to your requirements Earmark an unlimited number of employee accounts, issued in both your business and employee s names to meet your needs Save interest expense by paying off your balance monthly Make your payments by mail, online, at any branch office location or by automatic payment Depend upon local customer service Credit Card Merchant Services Accept credit and debit card payments from your customers and watch your sales grow. F&M offers many choices to meet your unique business needs such as Electronic Data Capture (EDC) terminals, mobile processing, wireless systems, virtual terminals, and Internet web options. With free account set-up to get you started and free supplies and support at our 24/7 Help Desk, we make it easy to be smart with your money. Add Discover and American Express to your Visa and MasterCard access Monitor transactions daily online Receive monthly statements Depend upon local customer service Contact our Credit Card Department for more information at 800.451.7843 or email CreditCard@fm.bank. Business Online Banking Managing a business is more than a full-time job and running to the bank isn t always an option. With F&M s full range of Business Online Banking services, you can manage your business accounts from anywhere. Customers who were previously enrolled in Business Online Banking with the Bank of Geneva will be receiving a separate communication from F&M, containing your login and additional information pertaining to your Business Online Banking Services. To enroll in Business Online Banking, please call 800.451.7843 or email ecommerce@fm.bank. 27

Business Mobile Banking with Mobile Deposit At F&M, we understand the challenges of running a business. That is why we offer the fast, easy, and convenient features of Business Mobile Banking. Manage many of your day-to-day banking needs from the convenience of your mobile device. From checking balances and transferring funds, to depositing checks, to making or approving ACH transfers, our Business Mobile Banking works around your busy schedule. You can now bank anywhere at any time! Once you are enrolled in Business Online Banking, you can download the F&M Business mobile app from the Google Play or the Apple App Store. After the app has been downloaded to your mobile device, simply log in with your F&M Business Online Banking Username and Password. Where do I go to download the F&M Mobile Banking App? The F&M Mobile Banking App can be downloaded from the Google Play or Apple App Store. Search for: F&M Bank Business (OH, IN, MI) Business Mobile Deposit Our Business Mobile Deposit makes it easy for your business to deposit checks from, literally, anywhere using our Business Mobile Banking App on your mobile device. Just take a photo of the check, and deposit it right into your account. Fast, easy, and convenient! How do I endorse my check for Mobile Deposit? You agree to restrictively endorse any checks transmitted through Mobile Deposit with the following (or as otherwise instructed by F&M): Signed Endorsement Names of all payees as written on the front of the check For Mobile Deposit Only should be included as part of the endorsement(s) What is the cut-off time for processing the checks? The daily cut-off time for electronic deposit is 4:00 PM ET on any business day. Business days are Monday through Friday, excluding state or federal holidays. This daily cut-off time is subject to change by F&M without notice to you. 28

Deposits sent using Mobile Deposit may be "submitted" any time of day, night, weekend, or holiday. However, deposits received by F&M after the daily cut-off time for electronic deposits will be deposited the next business day, provided that the deposit meets all requirements for acceptance and successful processing. Deposits submitted on holidays or weekends will also be deposited the next business day, provided the deposit meets all requirements for acceptance and successful processing. Are there restrictions on the dollar amount of deposits I can submit? Yes. F&M may establish limits on the number of checks and/or the total amount of checks deposited using Mobile Deposit. Items transmitted that exceed your limits may result in a rejection of the deposit. When will I have access to my funds? Generally, if an image of an item you transmit through Mobile Deposit is received and accepted before F&M s daily cut-off time for Mobile Deposit, F&M considers that business day to be the day of your deposit. Funds from deposits received, accepted, and successfully processed through the Mobile Deposit, generally, will be available for withdrawal the first business day after the day of your deposit. Successful processing of a check or item could be delayed due to bank review and verification procedures. F&M may apply additional delays on the availability of funds based on any other factors as determined by F&M in its sole discretion. Treasury Management Services F&M understands business cash management needs are much more complex than those of most individuals. We have designed our treasury management and digital services to help you make the most of your money by making your cash work harder for you. Treasury Management Services Available at F&M: ACH Services Electronic Services o Business Online Banking o Mobile Banking with Mobile Deposit o E-Deposit (Remote Deposit Capture) o Business Online Bill Pay Fraud Detection Services o Positive Pay o Card Valet Health Savings Accounts (HSA) Merchant Services Sweep Services Business Overdraft Protection 29

Office Locations Here is the consolidated list of F&M offices that will be available to service you starting Tuesday morning, January 22, 2019. For office hours and a map of locations please visit www.fm.bank/about-us/locations-hours. Indiana Angola 2310 N. Wayne St. 260.624.2108 Auburn 403 Erie Pass 260.927.1550 Berne 718 US Highway 27 N 260.589.3525 Butler 200 S. Broadway 260.868.2177 Decatur* 1061 S. 13th St. 260.724.1814 Geneva 215 E. Line St. 260.368.7288 Huntertown 12106 Lima Rd. 260.637.1342 Monroe 150 W. Washington St. 260.692.6125 Monroeville 103 Main St. 260.623.1221 Portland 1451 N. Meridian St. 260.726.8810 *Coming Soon! Look for our new Decatur office location at: 1118 South St. Decatur, IN 46733 30

Ohio Archbold Main 307 N. Defiance St. 419.446.2501 Archbold Woodland 1313 S. Defiance St. 419.446.2531 Bowling Green 1072 N. Main 419.354.0020 Bryan East High 929 East High St. 419.636.9011 Bryan SouthTowne 1000 S. Main St. 419.636.6104 Custar 22973 Defiance Pike 419.669.2801 Defiance 1175 Hotel Dr. 419.782.9421 Delta 101 Main St. 419.822.9510 Findlay 1660 Tiffin Ave. 419.427.0540 Hicksville 100 N. Main St. 419.542.6603 Montpelier 1150 East Main St. 419.485.1363 Napoleon 2255 N. Scott St. 419.592.2077 Perrysburg 7001 Lighthouse Way 419.931.8892 Stryker 300 S. Defiance St. 419.682.3411 Swanton 7 Turtle Creek Circle 419.825.3339 Sylvania 5830 Monroe St. 419.824.0066 Waterville 8720 Waterville-Swanton Rd. 419.878.0305 Wauseon Downtown 119 N. Fulton St. 419.337.3085 Wauseon Shoop 1130 N. Shoop Ave. 419.337.2010 West Unity 200 W. Jackson St. 419.924.2321 31

Questions? Prior to January 22: Contact your local Bank of Geneva office or call 260.368.7288. On or after January 22: Contact your local office or call Farmers & Merchants State Bank at 800.451.7843. fm.bank NMLS #407535 12/18 Member FDIC