REWARDChecking

• 1.51% APY* on balances up to $25,000
• 1.51% - 0.46% APY on balances over $25,000 depending on balance in account*
• 0.05% APY* on all balances if qualifications aren't met
• Nationwide ATM fee refunds up to $25 per month ($5 per single transaction)*
• Can link to REALSaver for more earnings
• No monthly service fee
• No minimum balance to earn rewards
• Free online banking and bill pay
• Free e-Statements
• Free Visa CheckCard
• Free mobile banking available
• Discount of 0.25% on your F&M bank personal loan**
• $100 minimum deposit to open

Qualifications

To get rewards, just do the following each monthly qualification cycle:

• Have at least 1 direct deposit or 1 ACH auto debit transaction post and clear
• Have at least 12 signature based check card purchases post and clear
• Access online banking
• Receive e-statements

*APY=Annual Percentage Yield. APYs accurate as of 11/27/2012. Rates may change after account is opened. Minimum to open is $100 for REWARDChecking. For REWARDChecking, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($5 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 1.51%; and (3) balances over $25,000 earn 0.20% interest rate on the portion of the balance over $25,000, resulting in 1.51% -0.46% APY depending on the balance. If qualifications are not met on REWARDChecking all balances earn 0.05% APY. Qualifying transactions must post to and clear REWARDChecking account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and clear account. "Monthly Qualification Cycle" means a period beginning one banking day prior to the first day of the current statement cycle through one banking day prior to the close of the current statement cycle. The advertised REWARDChecking APY is based on compounding interest. Interest earned in REWARDChecking is automatically transferred to REALSaver each statement cycle and does not compound. Actual interest amount paid may be less than advertised REWARDChecking APY. The REALSaver APYs may be less than REWARDChecking APYs. Transfers between accounts do not count as qualifying transactions. PIN based transactions do not count towards qualifying debit card transactions. Fees may reduce earnings.

**Discount of 0.25% applies to the Annual Percentage Rate (APR) at the time of application. Payment must be automatically debited from an F&M Bank checking account. Loan discounts do not apply to residential mortgages or all types of loans and are applicable for new loans only. Some restrictions apply. All offers subject to credit approval.