v bthe3/50 projectsaving the brick and mortars our nation is built on

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Save your local economy... three stores at a time.

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Think about which three independently owned stores you’d miss most if they were gone. Stop in and say hello. Pick up a little something that will make someone smile. Your contribution is what keeps those businesses around.

If just half the employed U.S. population spent $50 each month in independently owned stores, their purchases would generate $42,629,700,000 in revenue.* Imagine the positive impact if 3/4 of employed Americans did that.

For every $100 spent in independently owned stores, $68 of it returns to the community through taxes, payroll, and other expenditures. If you spend that in a national chain, only $43 stays here. Spend it online and nothing comes home.

The number of people it takes to start a trend...you.

© Cinda Baxter 2010; all rights reserved. Proudly supporting RetailSpeaks and independent retailers everywhere. * Employment statistics courtesy U.S. Department of Labor/Bureau of Labor Statistics, 2/6/2009

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Pick 3. Spend 50. Save your local economy.

For more information, visit the350project.net

Teaching Kids To SaveSUMMER 2010

Marshall students learned about banking on April 27th, 2010 as part of the official Teach Kids to Save Day. Hosted by Malinda Weisensel; Financial Consultant, Greg Baker; Personal Banker, Emily Michalak and Connie Jeschke; tellers, students learned about money and experienced shopping with special currency. They also toured the bank which included their favorite part – the vault!

Marshall 2nd graders, teachers; Mrs. Bunch, Mrs. Kloepping, Mrs. O’Leary and bank tour guides on May 19, 2010

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Malinda WeisenselFinancial Consultant

920.478.7019 direct888.478.3007

malinda.weisensel@lpl.com

Securities and Insurance products offered through LPL Financial and its affiliates, Member FINRA/SIPC. Farmers & Merchants State Bank and Farmers & Merchants Financial Services: not registered broker/dealer(s) nor an affiliate of LPL Financial.

Not FDIC Insured Not Bank Guaranteed May Lose Value

Not Insured by Any Federal Goverment Agency Not a Bank Deposit

e Value

❑ Call Exterminator

❑ Doctor’s Appt.

❑ Service Car

❑ Meet with Financial Consultant

❑ October 12th - Estate Planning

Don’tForget

October 12th

Estate Planning Seminarwith

Attorney Andy Griggs

Look for our info in the 2010 Parade of Homes Magazine.

PLEASE HELP US SERVE YOUR NEEDS!

Later this summer NEW Federal Reserve rules give debit and ATM card users

additional options regarding overdrafts. Watch your mail for details from us on the

decisions that you will need to make to help us best

serve your needs regarding transactions made with your

debit or ATM cards. www.federalreserve.gov.

BAKE AND CRAFT SALE TO SUPPORT RELAY FOR LIFEPlan to stop in both of our bank lobbies on Friday, June 11 during the day to purchase employee bake sale and craft items. All proceeds will be donated to the local Relay for Life fund raiser for Cancer Awareness and Prevention.

Both banks will be serving FREE MILK that day as part of our June Dairy Days to enjoy with your purchases!

ORDER YOUR CHECKS ONLINE!

GO TODELUXE.COM

*APR is Annual Percentage Rate. Interest rates and terms are effective as of April 15, 2010 and are subject to approval and change. Offer based on $150,000 loan with eight monthly interest payments ranging from $174.42 to $193.10 and one balloon payment of $150,193.10. Monthly payment does not include property tax and insurance. Borrowers are required to pay property tax and insurance. Offer good for owner occupied properties with a loan to value ratio less than 80%. Consult your tax advisor on interest deductibility. Other fees may apply.

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Account must be opened jointly with parent or guardian if under 18 years of age. All checking account plans and rates are subject to change. No transactionfee when you use Farmers & Merchants State Bank ATM’s and ATM Access machines. Refer to Truth and Savings disclosure for complete account details.

CONTACT ONE OF OUR PERSONAL BANKERS TODAY!

IT’S TIMEFOR YOUR OWN CHECKING ACCOUNT!• Only $50 required to open• No minimum balance requirement and

no monthly service fee• Includes FREE check safekeeping…we store

images of your cancelled checks at no charge• FREE Internet banking

featuring Check View • FREE 24-HOUR Telephone

banking-Telebanc• FREE Fast Access

Debit card• Unlimited Check writing•• Internet bill pay

• Only $50 required to open• No minimum balance requirement and

no monthly service fee• Includes FREE check safekeeping…we store

images of your cancelled checks at no charge• FREE Internet banking

featuring Check View • FREE 24-HOUR Telephone

banking-Telebanc• FREE Fast Access

Debit card• Unlimited Check writing•• Internet bill pay

Member FDIC

Once considered the safest of checks to accept, cashier’s checks are now being used by con artists in a variety of scams.

“Fraudulent checks have grown in popularity due to the Internet and the increased availability of copi-ers and printers that produce quality-looking checks. Even though the problem continues to grow, you don’t need to be a victim,” said R. Michael Menzies, ICBA chairman and president and CEO of Easton Bank and Trust Co., Easton, Md. “Our customers can protect themselves by keeping an eye out for a few key warning signs that indicate something just isn’t right. And if you have any questions, if it sounds too good to be true, or if you’re just not sure, the person to ask is your community banker who can help you spot a scam.”

You should never take a cashier’s check if:

• The check is for more than the purchase price; • The check is from a party other than the buyer or on behalf of someone else; • The check is from “friends” hard on their luck; or, • The check is from parties offering a quick, easy way to make extra money.

You can also take these precautions to discourage con artists: • Request a wire transfer rather than a cashier’s check; • Ask your bank to send the cashier’s check for collection, rather than directly depositing the check into an account; • Meet the buyer at the buyer’s bank to obtain direct payment; • Accept only cashier’s checks drawn on a local bank or a bank with a local branch; • Keep a copy of the cashier’s check for quick reference.

“In addition to these precautions, F&M Bank can also protect you in a number of ways,” said Bill Campbell, President, F&M Bank, Waterloo - Marshall. “We may place a longer hold on deposited cashier’s checks when there is reason to suspect fraud. This may seem like an inconvenience, but we are really looking out for the best interest of our customers. It’s the customer, not the bank, who bears the burden of any losses resulting from deposited checks. If the check were found to be counterfeit, the inconvenience would have been well worth the wait.”

Listed below are several resources available on fraudulent checks:Better Business Bureau: www.bbb.orgConsumer Federation of America: www.consumerfed.orgFederal Bureau of Investigation Internet Fraud Complaint Center: www.ic3.gov

FRAUDULENT CHECKS!

Presorted StandardUS Postage Paid

Racine, WIPermit No. 1261

210 WEST MADISONWATERLOO, WI 53594-0096

Make a decision to save NOW!