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Kasasa Cash: *APY=Annual Percentage Yield. APYs accurate as of 05/20/2013. Rates may change after account is opened. Minimum to open is $25 for Kasasa Cash and $25 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.00%; and (3) balances over $10,000 earn 0.1499% interest rate on the portion of the balance over $10,000, resulting in 2.00% - 0.32% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.01% APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

Kasasa Cash Back: *When monthly qualifications are met, you receive 2.00% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $8 per monthly qualification cycle. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 if qualifications are met within monthly qualification cycle. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Limit one account per SSN. Kasasa and Kasasa Cash Back are trademarks of BancVue, Ltd., registered in the U.S.A.

Kasasa Tunes: *When you open and fund your Kasasa Tunes account, you will be refunded up to an aggregate total of $20.00 (which includes any applicable taxes) for iTunes, Amazon.com, Google Play purchases, made with your Farmers & Merchants Bank Kasasa Tunes debit card that post and settle to your account during the first 60 calendar days after your account is opened. This refund will be credited to your account on the last day of the Statement Cycle in which your aggregate iTunes, Amazon.com, Google Play purchase threshold of $20.00 posts and settles to your account. Any portion of the Sign Up Bonus that is not used within the stated time period will be forfeited. A minimum deposit of $25.00 is required to open the account. No minimum balance is required to obtain this bonus. 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, debit card purchases processed by merchants and received by Farmers & Merchants Bank as ATM or [PIN-based, signature based] transactions and purchases made with non- Farmers & Merchants Bank issued debit [or credit] cards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. When Kasasa Tunes qualifications are met during a Monthly Qualification Cycle: you will earn up to an aggregate total of $5.00 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com, Google Play purchases must be made with your Farmers & Merchants Bank Kasasa Tunes debit card and must post and settle to your account by the Monthly Qualification End Date in which your qualification ends. In addition, you will receive reimbursements up to $20.00 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented [within thirty (30) calendar days of transaction] for reimbursements of individual ATM fees of $5.00 or higher. When Kasasa Tunes qualifications are not met, iTunes, Amazon.com, Google Play purchases and ATM fees are not refunded.   iTunes, Amazon.com, Google Play refunds and ATM fee reimbursements will be credited to your account on the last day of the statement cycle in which these purchases post and settle to your account and the ATM fees were incurred. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons may be required to meet some of the account's qualifications. Limit 1 account per social security number / individual taxpayer identification number. There are no recurring monthly service charges or fees to open or close this account. Contact a Farmers & Merchants Bank service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. iTunes is a registered trademark of Apple, Inc. Amazon is a registered trademark of Amazon.com. Google Play is a registered trademark. Kasasa and Kasasa Tunes are trademarks of BancVue, Ltd., registered in the U.S.A.