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Safe and Secure Since 1916

F&M Bank has long been acknowledged as one of the SAFEST and most SECURE banks in the United States and has consistently received the
Highest Possible Rating
from each of the following nationally recognized bank rating firms.*
Bankrate.com rates F&M Bank
"Safe & Sound Five-Star Superior Rating"
BauerFinancial, Inc. rates F&M Bank
"Five-Star, Superior Bank"
The Findley Reports rates F&M Bank
"Super Premier Performer"
VERIBANC® rates F&M Bank
"Blue Ribbon Bank Commendation of Excellence"
*All ratings are for the quarter ending December 31, 2010. Please contact VERIBANC at 800-442-2657 to determine if this is the most recent rating.

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You Know Your Deposits Are Safe With F&M Bank!

In addition to the safety and security of F&M Bank, each depositor is insured to at least $250,000 by the Federal Deposit Insurance Corporation (FDIC) which is backed by the full faith and credit of the United States government.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit

www.fdic.gov.

To find out how FDIC deposit insurance works and to estimate coverage on your deposits click the Learn More button.