Farmers & Merchants Bank

Famers & Merchants Bank

Welcome to Farmers & Merchants Bank

At Farmers and Merchants Bank we are proud to offer banking
with a personal touch.

At Farmers and Merchants Bank we strive to be responsive
to our customer’s needs as well as the needs of the
community we serve. Our employees are knowledgeable
of our services and are here to insure all of your banking
needs are met with friendly, courteous service.

Please stop by one of our offices today or give us a call to help you with your banking needs, whether you need a loan, checking, savings
or a certificate of deposit or just have questions about
Farmers and Merchants Bank.

Farmers & Merchants Bank

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

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**Stocks are not deposits, not insured by the FDIC, not guaranteed by the Bank, and may lose value.**