BUSINESS ECONOMY CHECKING
$20,000 business relationship or a $500.00 minimum balance.  
          Otherwise $5.00 per month.
No per item fees if monthly debits and credits are less than 150 and
          deposited items are under 300. Otherwise transactions fees are .20
  each and encoding fee is .06 per deposited item.
Free first order of checks, deposit tickets, checkbook binder and
          endorsement stamp for new accounts with a $20,000.00 business
          relationship.

BUSINESS INTEREST CHECKING
Pays interest on Average Available Balance.
$2,500 minimum balance required to avoid a $7.00 monthly service chg.
$1,000 minimum balance required to earn interest.
Transaction Fees
  $.20 per deposit
  $.15 per debit
  $.06 deposited item fee

BUSINESS REGULAR CHECKING
$5.00 monthly maintenance fee.
Transaction Fees
  $.15 per debit
No Charge for deposits
  $.04 deposited item fee
Earnings credit - $.30 per $100.00 average daily available balance.

SWEEP ACCOUNT OPTIONS
Earn the maximum potential on your money.
Deposits in excess of target balance are swept daily into interest bearing
          account.
Hassle free way of transferring your money in your accounts.
Additional benefits available; please speak to our customer service
           representative.

MONEY MARKET ACCOUNT
Earn interest.
Current rates available upon request.
Maintain $2,500 average daily available balance to avoid a maintenance
  fee.
6 checks or preauthorized, automatic, telephone or internet transfers                    allowed per month.
Unlimited in-person transactions.
No minimum balance required to earn interest.

SAVINGS ACCOUNT
Earn interest on savings.
Current rates available upon request.
Maintain $200 minimum balance to avoid a maintenance fee.
6 checks or preauthorized, automatic, telephone or internet transfers                    allowed per month.
No minimum balance required to earn interest.

Member FDIC and Equal Housing Lender
Copyright ©2009 Farmers & Merchants Bank of Colby, KS. All Rights Reserved

    240 W. 4th St ▪ P O Box 797 ▪ Colby KS 67701
785-460-3321 ▪  (fax) 785-460-9727 ▪ Toll Free (866)460-3321
       Member FDIC and Equal Housing Lender

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-Albert Einstein