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1. Farmers & Merchants Bank annual percentage yield (APY) is accurate as of 12/19/2016 and based on an account
balance of $10,000. Interest rate and APY are subject to change after the account is opened. Fees could reduce earnings
on the account. Interest accrues daily and is paid to the account monthly. If the account is closed before interest is paid,
the accrued interest will not be credited. Federal law limits certain types of withdrawals and transfers from your F&M
Money Market Account to six (6) transactions per month. Please refer to your account agreement and disclosures or
ask our office staff or refer to our Services & Fees document on fmb.com for details. Terms and Conditions may apply.
Account features and benefits are subject to change with or without notice.
2. Annual Percentage Yield (APY) and account fees and feature information for each institution is provided by Informa
Research Services, Calabasas, CA, www.informars.com. Although the information has been obtained from the various
institutions themselves, the accuracy cannot be guaranteed by Informa Research Services or Farmers & Merchants
Bank. Data provided as of 12/19/2016 and may change at any time. All APYs in the comparison table are applicable for
the specified money market product based on a balance of $10,000.
3. $9.00 per month for customers with e-statements.
4. F&M Bank offers other annual percentage yields (APY) on a personal Market Rate Money Market account depending
on the account balance maintained.
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