The sky is the limit with SKY BLUE CHECKING from F&M Bank. Open this account online, and earn up to 0.70% APY* on your balance.

• Pays Competitive Interest: With a rate this great, you may decide to consolidate your CDs and Money Market Accounts into a Sky Blue Checking Account!
• No Monthly Service Charge: Avoid unnecessary costs when you can.
• Unlimited Check Writing and No Per Check Charge: A great rate, unlimited check writing, no monthly service charge... it just keeps getting better!
• $50 Minimum Opening Balance: That's all it takes to open an account that puts your money to work for you.
• Open Online in 4 Easy Steps: Now that's easy! Personal Accounts Only.

*0.70% Annual Percentage Yield (APY) is based on a sample balance of $49,999.99. One account per household. Click Account Information tab for more details.

For more information visit any of our convenient locations or call us at (800) 888-1498, M-F 8am-6pm PST. Either way, one of our friendly and knowledgeable Customer Service Representatives will be happy to assist you. For complete account information, please refer to our Customer Agreement & Schedule of Charges which you receive at account opening. Member FDIC.

*Sky Blue Checking is an account that can only be opened online through the F&M Bank web site. Sky Blue Checking can not be opened in a branch. After the account is open, customers may bank in any of our branch locations at no additional cost. This account has a $50 minimum balance to open, no monthly service charge, and pays interest.

Rates and Annual Percentage Yields (APY) effective as of 5/4/10 and subject to change without notice. An interest rate of 0.25% will be paid only for that portion of your daily balance that is greater than $0.00 but less than $5,000.00. The annual percentage yield for this tier is 0.25%. An interest rate of 0.75% will be paid only for that portion of your daily balance that is greater than or equal to $5,000.00 but less than $50,000.00. The annual percentage yield for this tier will range from 0.25% to 0.70%, depending on the balance in the account. An interest rate of 0.40% will be paid only for that portion of your daily balance that is greater than or equal to $50,000.00. The annual percentage yield for this tier will range from 0.70% to 0.42%, depending on the balance in the account (the Bank assumes a maximum amount of $1,000,000.00 for the purposes of computing the annual percentage yield for the high end of the third tier). This is a variable rate account, your interest rate and annual percentage yield may change at any time, without prior notice.

Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Compounding & Crediting Frequency: Interest will be compounded on a monthly basis. Interest will be credited to your account on the last day of each monthly statement cycle. Accrual of Interest: Interest is calculated on the collected balance in the account. The accrual begins no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Other Information: Personal accounts only, limit one account per household. If you close your account before interest is credited, you will not receive the accrued interest. Other fees and charges may apply and may reduce earnings, please refer to our Customer Agreement & Schedule of Charges which you receive at account opening.

Farmers & Merchants Bank of Central California. Member FDIC.