*APY= Annual Percentage Yield. APYs accurate as of 10/15/2010. Rates may change after the account is opened. Minimum to open a F&M Perks Checking account is $50. If qualifiers are met each monthly statement cycle: (1) **Nationwide ATM fees incurred during the monthly statement cycle will be reimbursed up to $15 and deposited to the account on the next business day after the qualifiers have been met each month; (2) balances up to $15,000 receive an APY of 0.40%; and (3) balances over $15,000 receive an interest rate of 0.12% on the portion of the balance above $15,000 resulting in APYs ranging from 0.40% to 0.16% depending on the balance (assuming a maximum account balance of $100,000). If qualifiers are not met, the APY will be 0.05% on all balances. Qualifying transactions must post and settle to the account during the monthly statement cycle. Transactions may take one or more business days from the transaction date to post and settle to an account. A Monthly Statement Cycle runs from the day after the last business day of the month to the last business day of the following month. ATM-processed transactions do not count as qualifying transactions. Intra-bank transfers do not count as qualifying ACH transactions. Fees may reduce earnings. Personal accounts only. Limit one account per household. If qualifiers are not met during a monthly statement cycle, a Service Fee of $6.95 will be charged.

*APY= Annual Percentage Yield. APYs accurate as of 10/15/2010. Rates may change after the account is opened. Minimum to open a F&M Perks Checking with Savings II is $50. If qualifiers are met each monthly statement cycle: (1) Nationwide ATM fees incurred during the monthly statement cycle will be reimbursed up to $10 and credited to the F&M Perks Savings II account the next business day after the qualifiers have been met each month; (2) balances up to $15,000 receive an APY of 0.40%; and (3) balances over $15,000 receive an interest rate of 0.12% on the portion of the balance above $15,000 resulting in APYs ranging from 0.40% to 0.16% depending on the balance (assuming a maximum account balance of $100,000). If qualifiers are not met, the APY will be 0.05% on all balances. Qualifying transactions must post and settle the account during the monthly statement cycle. Transactions may take one or more business days from the transaction date to post and settle an account. A Monthly Statement Cycle runs from the day after the last business day of the month to the last business day of the following month. ATM-processed transactions do not count as qualifying transactions. Intra-bank transfers do not count as qualifying ACH transactions. Fees may reduce earnings. Personal accounts only. Limit one account per household. If qualifiers are not met during a monthly statement cycle, a Service Fee of $6.95 will be charged.

*APY= Annual Percentage Yield. APYs accurate as of 10/14/2020. Rates may change after the account is opened. Must have F&M Perks Checking with Savings II to open a F&M Perks Savings II. Refer to F&M Perks Checking with Savings II requirements and disclosures. Minimum to open a F&M Perks Savings II account is $50. (1) F&M Perks Savings II balances up to $20,000 receive an APY of 0.20% if qualifiers are met each monthly statement cycle on your F&M Perks Checking with Savings II account; and (2) balances above $20,000 receive an interest rate of 0.55% on the portion of the balance above $20.000 if qualifiers are met each monthly statement cycle on your F&M Perks Checking with Savings II. APYs will range from 0.20% - 0.48% depending on the balance in the account (assuming a maximum account balance of $100,000). If qualifiers on your F&M Perks Checking with Savings II are not met, the APY will be 0.01% on all balances. A Monthly Statement Cycle runs from the day after the last business day of the month to the last business day of the following month. The interest earned on F&M Perks Savings II will be credited to the savings account on the last business day of the month. The advertised F&M Perks Checking with Savings II APY is based on compounding interest. The interest earned on F&M Perks Checking with Savings II is deposited on the last business day each month and automatically transferred to F&M Perks Savings II the next business day where it then compounds interest at the F&M Perks Savings II APY. The actual interest paid on F&M Perks Checking with Savings II could be less than the advertised APY. The F&M Perks Savings II APYs may be less than the F&M Perks Checking with Savings II APYs. If F&M Perks Checking with Savings II qualifiers are met within the monthly statement cycle, nationwide ATM fee refunds up to $10 (on the F&M Perks Checking with Savings II only) will be credited to the F&M Perks Savings II account the business day after the qualifiers have been met for that month. Fees may reduce earnings. Personal accounts only. Limit one account per household.