Personal Banking Brochure - Farmers & Merchants Bank

Personal Banking
fmb.com | Member FDIC
F&M Branch Locations
Main — Long Beach
302 Pine Ave.
Long Beach, CA 90802
(562) 437-0011
Belmont Shore*
4827 E. Second St.
Long Beach, CA 90803
(562) 621-1430
Bixby Knolls*
454a5 California Ave.
Long Beach, CA 90807
(562) 984-3600
Corona del Mar
2421 East Coast Hwy.
Corona del Mar, CA 92625
(949) 723-1804
Downey
9001 Firestone Blvd.
Downey, CA 90241
(562) 334-1836
East Long Beach
3140 E. Anaheim St.
Long Beach, CA 90804
(562) 621-1400
Fullerton*
315 N. Harbor Blvd.
Fullerton, CA 92832
(714) 578-1945
Garden Grove*
10422 Garden Grove Blvd.
Garden Grove, CA 92843
(714) 590-3880
Huntington Beach*
7125 Yorktown Ave.
Huntington Beach, CA 92648
(714) 465-3131
Laguna Hills*
24300 Paseo de Valencia
Laguna Hills, CA 92653
(949) 340-3150
Lake Forest*
23772 Rockfield Blvd.
Lake Forest, CA 92630
(949) 460-7900
Lakewood*
5101 Lakewood Blvd.
Lakewood, CA 90712
(562) 602-8378
Los Altos*
2302 Bellflower Blvd.
Long Beach, CA 90815
(562) 799-7271
Memorial — Long Beach
2801 Atlantic Ave.
Long Beach, CA 90806
(562) 989-7862
Newport Beach
4695 MacArthur Ct., Ste.130
Newport Beach, CA 92660
(949) 241-8280
Orange*
1220 E. Katella Ave.
Orange, CA 92867
(714) 288-8450
Rolling Hills Estates*
27525 Indian Peak Rd.
Rolling Hills Estates, CA 90274
(310) 491-1711
Rossmoor*
12535 Seal Beach Blvd.
Seal Beach, CA 90740
(562) 799-2002
San Clemente*
621 N. El Camino Real
San Clemente, CA 92672
(949) 373-2470
San Juan Capistrano*
31873 Del Obispo St.
San Juan Capistrano, CA 92675
(949) 488-8550
Santa Ana
1750 E. Seventeenth St.
Santa Ana, CA 92705
(714) 564-1750
Torrance*
22400 Hawthorne Blvd.
Torrance, CA 90505
(310) 265-3200
Tustin*
2691 Park Ave.
Tustin, CA 92782
(714) 824-3070
*Open Saturdays from 9:00 am to 12:00 pm.

Personal Banking
Additional Products and Services
Credit & Loans *
Home Equity Lines of Credit
Home Mortgages
Escrow Services
> Residential Sales
> Loan Escrows
> Refinance Escrows
F&M Visa ® Card
Additional Savings Accounts
Market Rate Certificates of Deposit (CDs)
> $1,000 minimum opening
> Decide the length of term and select when and how your interest
payments will be made.
Health Savings Account:
> $100 minimum opening
> Manage your out-of-pocket healthcare costs and take control of
your savings.
Christmas Club Savings Account:
> No minimum opening
> Let us help you start saving for the holidays.
IRAs:
> $500 minimum opening
> Traditional, Roth or SEP-IRA plans.
We Also Offer
Mobile Banking including Mobile Check Deposit
Online Banking
Bill Pay services available through Online Banking
eStatements & eNotices
Direct Deposit
Check images on monthly statement
24/7 telephone access
No-fee access to F&M Bank ATMs
Extended Friday hours at select branches
Saturday banking hours at select branches
Accounts can be combined into one easy-to-read
monthly statement
F&M Gift Cards
Travelers Checks
Money Orders & Cashier’s Checks
Youth Accounts
...and much more.
*All credit and loan products subject to credit approval. For complete account details refer to fmb.com/fees

Personal Banking Products
General Description
Personal Checking Interest Checking Varsity Checking Elite Checking
A checking account for the person
who wants an economical checking
plan.
A checking account that provides
interest earnings for the person who
maintains higher balances.
A checking account for students
ages 12 to 17, with an adult as a joint
account holder.
Minimum Opening Balance $100 $100 $25 $25
Balance Required to Waive
Minimum Balance Fees
Minimum Balance Fees
Account Features
Minimum daily balance of $500 or an
average daily balance of $1,000.
$5.00 per month plus $0.30 per
check paid.
> Unlimited check writing
> Check images included with
monthly statement 7
> FDIC insured
Average daily balance for the month of
$1,000.
$5.00 per month plus $0.30 per
check paid.
> Unlimited check writing
> FDIC insured
None/Not Applicable
None/Not Applicable
> Free 1st order of checking deposit
slips
> Check images included with
monthly statement 7
> FDIC insured
A checking account for college
students ages 18 to 24.
None/Not Applicable
Not Applicable
> Free 1st order of Mini-Pack Checks
> Unlimited check writing
> Check images included with
monthly statement 7
> FDIC insured
> MasterMoney® Debit Card 1 > Varsity Debit MasterCard® 1 > Elite Debit MasterCard® 1
Account Options 4 > MasterMoney® Debit Card 1
online banking 2
> No-fee access to F&M ATMs 1 online banking 2
> No-fee access to F&M ATMs 1 institution’s ATM is used 1 online banking 2
> No-fee access to F&M ATMs 1
> Online Banking 2
> eStatements & eNotices 2
> Overdraft protection 6
> Bill Pay service available through
> Online Banking 2
> eStatements & eNotices 2
> Overdraft protection 6
> Bill Pay service available through
> Online Banking 2
> eStatements & eNotices 2
> No-fee access to F&M ATMs 1
> No F&M fee when another
> Online Banking 2
> eStatements & eNotices 2
> Overdraft protection 6
> Bill Pay service available through
> No F&M fee when another
institution’s ATM is used 1
Interest None/Not Applicable Competitive variable rate; interest
accrues daily, paid to the account
monthly. If the account is closed before
interest is paid, the accrued interest will
not be credited.
Other Direct Service Fees 5
Personal Checks - cost varies by style.
$10 early closure fee, if the account is
closed within 90 days of opening.
Personal Checks - cost varies by style.
$10 early closure fee, if the account is
closed within 90 days of opening.
None/Not Applicable
To avoid a $3 paper statement fee
assessed each month for a paper copy
of an account statement or notice mailed
or requested during the month, enroll
for electronic delivery of statements and
notices through Online Banking. $10
early closure fee, if the account is closed
within 90 days of opening.
None/Not Applicable
To avoid a $3 paper statement fee
assessed each month for a paper copy
of an account statement or notice mailed
or requested during the month, enroll
for electronic delivery of statements and
notices through Online Banking. Bill Pay
free for up to 5 payments per month, .50¢
per each additional payment. $10 early
closure fee, if the account is closed within
90 days of opening.
For details about your account, please ask our staff or refer to the account agreement and disclosures provided at time of opening. For Current Rates ask our branch staff.
1. Some banks may charge a surcharge for use of their ATM. The fee is disclosed at the time of your transaction. This fee will be processed directly as a part of the debit to your account by the bank who owns the ATM. Refer to your Electronic
Fund Transfer agreement and disclosure statement. 2. Online Banking and Bill Pay service requires a separate application, agreement and approval (eStatements require enrollment). Transfers initiated through the Online Banking system
before 6:00 p.m. (Pacific Time) on a business day are posted to your account the same day. Transfers completed after 6:00 p.m. (Pacific Time) on a business day, Saturday, Sunday or Banking holiday, will be posted on the next business day.
Other transaction or account fees may apply. Refer to the Bank’s Services and Fees brochure for details. Online Banking access for clients ages 13 and over. 3. No more than 6 transfers or withdrawals during any month may be made to
another account of the Depositor or to a 3rd party by means of a pre-authorized, automatic or telephonic transfer, or by check, draft, debit card, ATM card or similar order payable to 3rd parties. Exceeding these limitations may result in the
transfer of the account to one that pays no interest. 4. Account Options may require separate application, agreement or consent. Transaction limitations or fees may apply. Refer to the specific product or service disclosure or the Bank’s
Services and Fees brochure for details. 5. Other fees and charges may apply for special services such as telephone transfers and special statements, etc. Refer to the Bank’s Services and Fees brochure for details 6. Overdraft protection
options include sweep transfers from your related savings account, F&M Credit Card or Bounce Protection program. F&M Credit Cards require a separate application and credit approval. See Credit Card account agreement for restrictions and
fees. Bounce Protection SM is an overdraft privilege limit that is automatically assigned to qualified consumer checking and money market accounts. Overdrafts created by check, in-person withdrawal, or other electronic means will be honored
up to the account’s Bounce Protection SM limit. To receive the benefit of Bounce Protection SM overdraft coverage related to ATM and everyday debit transactions, an opt-in authorization form is needed. Use of this overdraft privilege may be
utilized 90 days after the account is opened if the account is in good standing and no legal orders are outstanding. “Good standing” is defined as making regular deposits and bringing the account to a positive balance at least once every 30
days. For each item paid through Bounce Protection SM , the Bank’s standard overdraft fee will be charged (refer to the Bank’s Services and Fees schedule). Bounce Protection SM is a non-contractual courtesy and we reserve the right not to pay.
For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. 7. We will provide you with an image of your canceled check instead of returning
the checks to you on your account statement. Check Imaging is a process of capturing, indexing, storing, and retrieving images of checks. The images are retained by the bank for a period of at least seven years from the date of posting.

Personal Banking Products Cont’d
General Description
Youth Savings Market Rate Money Market Account 3 Market Rate Savings 3
A joint account to hold funds belonging to a minor
(under 21 years of age) and an adult.
A limited transaction account that earns a
competitive interest rate. Keep your funds liquid and
secure.
Minimum Opening Balance $25 $100 $100
Balance Required to Waive
Minimum Balance Fees
Minimum Balance Fees
A savings account that fits any budget and pays a
competitive rate of interest.
None/Not Applicable Minimum daily balance of $2,500 Average daily balance of $200 for quarter or minimum
daily balance of $500.
$2.00 for each withdrawal exceeding 3 during a
quarter, if the minimum daily balance falls below $200.
Account Features > Limited withdrawal privileges 3
> Unlimited deposits
> FDIC insured
$7.00 per month $5.00 per quarter, if average daily balance falls below
$200. $2.00 for each withdrawal exceeding 3 during a
quarter, if the minimum daily balance falls below $500.
> Limited withdrawal privileges 3
> Unlimited deposits
> Check images included with monthly
statement 7
> FDIC insured
> Limited withdrawal privileges 3
> Unlimited deposits
> FDIC insured
> MasterMoney® Debit Card 1
> ATM access when linked to your F&M checking
Account Options 4 > Online Banking 2
> eStatements & eNotices 2 > No-fee access to F&M ATMs 1
> Online Banking 2
> eStatements & eNotices 2 MasterMoney Debit Card 1
> No-fee access to F&M ATMs 1
> Online Banking 2
> eStatements & eNotices 2
Interest
Other Direct Service Fees 5
Competitive variable tiered rate based on balance;
interest accrues daily, paid to the account quarterly.
If the account is closed before interest is paid, the
accrued interest will not be credited. Tiers offered:
$0.01-$999.99; $1,000-$19,999.99; $20,000 or more.
$5.00 early closure fee, if the account is closed within
12 months of opening.
Competitive variable tiered rate based on balance;
interest accrues daily, paid to the account monthly.
If the account is closed before interest is paid, the
accrued interest will not be credited. Tiers offered:
$0.01-$9,999.99; $10,000-$24,999.99; $25,000-
$49,999.99; $50,000-$99,999.99; $100,000 or more.
Personal Checks - cost varies by style. $10 early
closure fee, if the account is closed within 90 days of
opening.
Competitive variable tiered rate based on balance;
interest accrues daily, paid to the account quarterly.
If the account is closed before interest is paid, the
accrued interest will not be credited. Tiers offered:
$0.01-$9,999.99; $10,000-$24,999.99; $25,000-
$49,999.99; $50,000-$99,999.99; $100,000 or more.
$5.00 early closure fee, if the account is closed within
12 months of opening.
For details about your account, please ask our staff or refer to the account agreement and disclosures provided at time of opening. For Current Rates ask our branch staff.
1. Some banks may charge a surcharge for use of their ATM. The fee is disclosed at the time of your transaction. This fee will be processed directly as a part of the debit to your account by the bank who owns the ATM. Refer to your Electronic
Fund Transfer agreement and disclosure statement. 2. Online Banking and Bill Pay service requires a separate application, agreement and approval (eStatements require enrollment). Transfers initiated through the Online Banking system
before 6:00 p.m. (Pacific Time) on a business day are posted to your account the same day. Transfers completed after 6:00 p.m. (Pacific Time) on a business day, Saturday, Sunday or Banking holiday, will be posted on the next business day.
Other transaction or account fees may apply. Refer to the Bank’s Services and Fees brochure for details. Online Banking access for clients ages 13 and over. 3. No more than 6 transfers or withdrawals during any month may be made to
another account of the Depositor or to a 3rd party by means of a pre-authorized, automatic or telephonic transfer, or by check, draft, debit card, ATM card or similar order payable to 3rd parties. Exceeding these limitations may result in the
transfer of the account to one that pays no interest. 4. Account Options may require separate application, agreement or consent. Transaction limitations or fees may apply. Refer to the specific product or service disclosure or the Bank’s
Services and Fees brochure for details. 5. Other fees and charges may apply for special services such as telephone transfers and special statements, etc. Refer to the Bank’s Services and Fees brochure for details 6. Overdraft protection
options include sweep transfers from your related savings account, F&M Credit Card or Bounce Protection program. F&M Credit Cards require a separate application and credit approval. See Credit Card account agreement for restrictions and
fees. Bounce Protection SM is an overdraft privilege limit that is automatically assigned to qualified consumer checking and money market accounts. Overdrafts created by check, in-person withdrawal, or other electronic means will be honored
up to the account’s Bounce Protection SM limit. To receive the benefit of Bounce Protection SM overdraft coverage related to ATM and everyday debit transactions, an opt-in authorization form is needed. Use of this overdraft privilege may be
utilized 90 days after the account is opened if the account is in good standing and no legal orders are outstanding. “Good standing” is defined as making regular deposits and bringing the account to a positive balance at least once every 30
days. For each item paid through Bounce Protection SM , the Bank’s standard overdraft fee will be charged (refer to the Bank’s Services and Fees schedule). Bounce Protection SM is a non-contractual courtesy and we reserve the right not to pay.
For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. 7. We will provide you with an image of your canceled check instead of returning
the checks to you on your account statement. Check Imaging is a process of capturing, indexing, storing, and retrieving images of checks. The images are retained by the bank for a period of at least seven years from the date of posting.