Personal Checking Services:

1. FMB Options Account
   Free regular checking services.
   • $100 Minimum Opening Deposit
   • Free Unlimited Check Writing
   • Free FMB MasterMoney Atm/Debit Card with MoneyPass® Network*
   • Overdraft Privilege-Certain Restrictions Apply
2. FMB Options Plus Interest Checking
   Earn interest and other special benefits with a low $6 monthly maintenance fee.
   • $100 Minimum Opening Deposit
   • Free Unlimited Check Writing
   • Free FMB Checks
   • Free Cashiers Checks
   • Free Money Orders
   • Free Traveler’s Checks
   • Free FMB MasterMoney Atm/Debit Card with MoneyPass® Network*
   • Free Combined Image Statement for All Your FMB Accounts
   • $2.00 Discount on Safe Deposit Rental
   • Overdraft Privilege- Certain Restrictions Apply
3. FMB Premium Options Interest Checking
   Earn interest while you enjoy premium privileges.
   • $100 Minimum Opening Deposit
   • $5,000 Combined Minimum Balance of all Your FMB Accounts and Avoid a $10 Monthly Maintenance Fee
   • Free Unlimited Check Writing
   • Free FMB Checks or 50% Discount Off Selected Checks
   • Free Cashier’s Checks
   • Free Money Orders
   • Free Traveler’s Checks
   • Free Equity Benefit Review
   • Free Notary Service
   • Free Certificate of Deposit Bonus Coupons (2 per Customer)
   • Free FMB MasterMoney ATM/Debit Card with MoneyPass® Network*
   • Free Combined Image Statement for All Your FMB Accounts
   • 50% Discount on Safe Deposit Rental
   • Preferred Loan Discount (One Open Line)
   • Overdraft Privilege- Certain Restrictions Apply
4. SuperNOW Checking
   Earn interest with no monthly maintenance fee when you maintain a minimum balance of $1,000.

Personal Savings Options

1. Money Market Account
   ($2500 minimum to open)

   You must maintain a minimum average daily balance of $500 to obtain the annual percentage yield. If the average daily balance for the month falls below $2500 a $10 per month maintenance fee plus $.25 on each debit will be imposed. Interest paid monthly.

   Annual interest rate dependent on average monthly balance in the ranges of $500 to $2499.99, $2500 to 24,999.99, $25,000 to $49,999.99,$50,000 to 99,999, and over $100,000. This is a restricted account with maximum of 3 checks and/or 3 transactions, not to exceed 6 withdrawals in one month (bank statement)

2. Premium Money Market Account
   This account earns a premium rate and offers 2 tiers: Under $100,000 and $100,000 and over. Restrictions Apply. Interest paid monthly.
3. Statement Savings
   Earn interest with no monthly maintenance fee when you keep a $100 minimum balance. Interest paid quarterly.
4. Minor Savings
   Open an account with as little as $25. No maintenance fee up to 18 years of age. Interest paid quarterly.
5. Lazy River Kids Club Savings
   This account is currently paying a variable premium rate on deposits $25.00 to $4999.99 to persons under 18. Minimum opening deposit is $25.00. Restrictions apply. Interest paid quarterly.
6. Christmas Club & Vacation Club
   Christmas Club begins in October and Vacation Club begins in April. Each runs for 50 weeks to help you put your money away for big expenditures. Payments are auto-debited from a checking or savings at FMB. Interest paid at the end of 50 weeks.
7. Certificates of Deposit
   Non Renewable Certificates
   7-31 day has a minimum of $2500 and interest paid at maturity.*

   Interest options include compounding or automatically crediting the interest to a checking or savings account.

   Renewable Certificates
   
   • 91 Day certificate has a minimum of $1000 Interest paid at maturity*
   • 6 Month certificate has a minimum of $500 Interest paid quarterly*
   • 8 Month certificate has a minimum of $5000 Interest paid monthly*
   • 10 Month certificate has a minimum of $500 Interest paid monthly*
   • 1 Year certificate has a minimum of $500 Interest paid quarterly*
   • 18 Month certificate has a minimum of $500 Interest paid quarterly*
   • 19 Month certificate has a minimum of $5000 Interest paid monthly*
   • 2 Year certificate minimum is $500 Interest paid monthly*
   • 3 Year certificate minimum is $500 Interest paid monthly*
   • 4 Year certificate minimum is $500 Interest paid monthly*
   • 5 Year certificate minimum is $500 Interest paid monthly*
   *Penalty for early withdrawal
8. IRA (Individual Retirement Account)
   Restricted by earned income, age and deposit limits. These accounts are available in an 18 month variable rate certificate or on fixed rate certificates with a two, three or five year term. Interest compounds quarterly and penalties and restrictions apply.

Business Services

1. Simple Business Checking
   No monthly maintenance fee when you maintain a minimum balance of $500 and have less than 200 items per statement cycle.
2. Business Analysis Checking
   Non-interest checking with fees based on the analysis of your account. This account offers a credit back option based on your average ledger balance to help lower service fees. Let us analyze your current accounts to estimate the benefit to you. Ask a personal banker for details.
3. Business Money Market Account
   Earn interest and avoid a $10 monthly maintenance fee when you maintain a $2,500 balance. This is a restrictive transaction account. Account restrictions apply according to Federal Regulations.
4. FMB Business Debit Card
   Functions just like a check with the versatility of a credit card and ATM card rolled into one.