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Kasasa Cash:

*APY= Annual Percentage Yield. APYs accurate as of 01/31/2017. Rates may change after the account is opened. Minimum to open a Kasasa Cash account is $50. If qualifications are met each monthly qualification cycle: (1) **Nationwide ATM fees incurred during the qualification cycle will be reimbursed up to $15 and deposited to the account on the last business day each month; (2) balances up to $15,000 receive an APY of 1.71%; 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 1.71% to 0.47% depending on the balance (assuming a maximum account balance of $100,000). If qualifications are not met, the APY will be 0.05% on all balances. Qualifying transactions must post and settle to the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post and settle to an account. "Monthly Qualification Cycle" means the last business day of the month to one day prior to the last business day of the following month. The monthly qualification cycle is not the same as your monthly statement cycle. 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 qualifications are not met during three consecutive monthly qualification cycles, this account may be converted to a Pure Checking account in the next monthly statement cycle immediately following the third consecutive non-qualifying cycle. Pure checking is a non-interest bearing account and nationwide ATM fee refunds will no longer be provided.

Kasasa Cash Back:

*Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, and debit card purchases processed by merchants and received by our bank as ATM transactions, “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash Back® account qualifications are met during a Monthly Qualification Cycle, you will receive: (1) 1.50% cash back up to a $5.00 maximum on debit card purchases that post and settle to the account during that cycle period; Cash back earned on up to $333.33 in purchases monthly and (2) reimbursements up to $10.00 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. If you believe you have not been reimbursed the correct amount of ATM Fees, you must contact us within thirty (30) calendar days of transaction after the Statement Cycle where the reimbursement was applicable in order to receive a refund. When Kasasa Cash Back® qualifications are not met, no cash back payments are made debit card purchases and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back® account on the last day of the statement cycle. At our discretion, rewards may change at any time after account is opened.  Purpose and Use Expectations: The Kasasa Cash Back® account is intended to be the accountholder’s primary checking account in which payroll transactions and day-to-day spending activities are posted and settled.  The account’s debit card is expected to be used frequently throughout each month and for transactions and amounts to reflect a wide dollar range.  The bank reserves the right to determine if this account is being maintained for a purpose other than primary, day-to-day use. Additional Information:   Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A minimum $50.00 deposit is required to open the account. Monthly debit card point of sale purchases, enrollment in Online Statements, and monthly log-on to Online Banking required to meet account qualifications. You must provide a valid e-mail address.  Your statement will cycle at month-end at which time you will receive an email notification from us.  This account is not to be used for commercial purposes.  There is a limit of one (1) Kasasa account per household.  There are no recurring monthly service charges associated with this account.  If qualifications are not met during three (3) consecutive Statement Cycles, the bank reserves the right to convert this account to a different checking account. Contact an F&M customer service representative for additional information, details, and enrollment instructions.         

Secure Checking:

*Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household. IDProtect benefits are available to joint account holders (unless otherwise noted). Benefits are not available to a "signer" or "beneficiary" of the account who is not an account owner. Service is not available to businesses and their employees, clubs and/or churches and their members, schools and their employees/students.

**Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Insurance product is not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

Insurance product is not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.