Farmers and Merchants Bank is participating in the FDIC's Transaction Account Guarantee Program. All funds in a "noninterest-bearing transactions account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of a least $250,000 available to depositors under the FDIC's general deposit insurance rules.

Member FDIC

Equal Housing Lender
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