Benefits:
Free internet banking
A minimum balance in not required. 
The Saver Friendly interest rate is available with a monthly automatic transfer
The Saver Friendly rate decreases with no automatic transfer. 
Works like any other savings account. 
No service charges unless account has no activity for more that 365 days.
Combined statement is available

Disclosures:
Variable rate and subject to change
Interest is compounded and paid quarterly. 
Interest begins to accrue on the business day of deposit and is computed daily.
Accrued interest will be paid upon account closing if funds remain in the bank
There are transaction limitations of preauthorized withdrawals; please call to inquire.

Benefits:
Open with a minimum balance of $100
Free online banking
ATM convenience
Direct Deposit
Combined statement available

No Monthly Service Charge until graduation
$2.50 monthly maintenance fee waived until graduation.  Service charge would then be based on $100 minimum daily balance.
If that balance is not maintained, a service charge of $2.50 will be assessed per month that the balance is below $100.00.  
$2.00 dormant account fee is assessed each month if the account does not have at least one (1) transaction in a one (1) year period.
Combined statement available

Disclosures:
Variable rate and subject to change
Interest is compounded and paid quarterly.  
Interest begins to accrue on the business day of deposit and is computed daily.
Accrued interest will be paid upon account closing if funds remain in the bank
There are transaction limitations of preauthorized withdrawals; please call to inquire.  

Benefits:
Open with a minimum balance of $100
Free online banking
ATM convenience
Direct Deposit
Combined statement available

Monthly Service Charge:
$2.50 monthly maintenance fee waived with $100 minimum daily balance.
If that balance is not maintained, a service charge of $2.50 will be assessed per month that the balance is below $100.00.

Disclosures:
Variable rate and subject to change
Interest is compounded and paid quarterly.  
Interest begins to accrue on the business day of deposit and is computed daily.
Accrued interest will be paid upon account closing if funds remain in the bank
There are transaction limitations of preauthorized withdrawals; please call to inquire. 

Benefits:
Vacation Club payments can be made on your schedule weekly or monthly by automatic transfer from your Farmers Bank checking account to a special savings account.   Throughout the year, you may make additional deposits whenever you choose.

The account matures at the end of March each year and based on your choice, you can receive a check or have the funds deposited automatically into your Farmers Bank chosen account, so you will have ready access. 

View and make transfers on any of your accounts by using free Internet Banking

For more information on this account, you may contact a Customer Service Representative at one of our convenient locations. 

Disclosures:
The interest rate on your account is 1.00 % with an annual percentage yield of 1.00%.  Your interest rate and annual percentage yield may change weekly at our discretion.  You may deposit unlimited deposits into your account of different amounts or automatically transfer the same fixed amount each week.  This account will accrue interest daily on the day you make the deposit.  Interest will not be compounded and interest will be included in the payout deposit or check.  Interest will be paid to date on early closeout; however, any account that is closed before payout date will be charged a $10.00 fee. This year your account will mature on March 27, 2009.   The interest rate and annual percentage yield stated in this disclosure are accurate as of March 18, 2008.   

Benefits:
You may make unlimited deposits into your account.
Payments can be made weekly, monthly automatically or deposited on your schedule.
Upon maturity, your savings will be deposited into the account you choose or you can receive a check.
You can choose one of two methods of making your Christmas Club payments: 
Christmas Club payments can be made on your schedule weekly or monthly by automatic transfer from your Farmers Bank checking account to a special savings account.  
Throughout the year, you may make additional deposits whenever you choose.  Payments made on your schedule by transfer through a Farmers Bank checking or savings account with the funds paid In October 2009, deposited automatically into your chosen account.
Christmas Club payments can be made weekly or monthly and receive a check at the end of the term in October 2009
View and make transfers on any of your accounts by using free Internet Banking

Christmas Disclosures:
The interest rate on your account is 1.00 % with an annual percentage yield of 1.00%.  Your interest rate and annual percentage yield may change weekly at our discretion.  If you receive a club book, the last payment, the 50th payment, will not be paid by Farmers Bank because you are being paid interest on the account.  Interest will not be compounded and interest will be credited to your account at maturity.  At our discretion we may change the interest rate on your account every week.  If you close your account before interest is credited, you will not receive the accrued interest.    If any withdrawal is made from book club account, then the account will be closed.  A service charge fee of $10.00 will be charged if you close the account.  If 10 payments have not been made by April 30, 2009, the account will be closed, a $10.00 penalty fee will be charged and the balance mailed to you.  Your Christmas Club payments may be paid out of your savings account by transferring the amount automatically from your checking or savings account. This year your account will mature on September 25, 2009.   The interest rate and annual percentage yield stated in this disclosure are accurate as of September 22, 2008. 

Benefits:
Link our Saver Friendly savings product and earn a premium rate of interest.
Unlimited check writing
First 50 printed checks are free
Internet banking, bill payment, e-statements and e-bill delivery are available
$1,000 minimum required to open account
$10 monthly maintenance fee assessed if balance falls below the $1,000 minimum daily balance
A Visa check card with no charge for transactions for credit and debit
Internet banking, bill payment, e-statements and e-bill delivery are available
Your choice of paper statement or e-Statement!  Read more about e-Statements here

Disclosures:
Interest starts to accrue the business day you make a deposit.
Interest is compounded and credited to the account every month.
Interest is accrued daily on the balance.  We use the Daily Balance Method.
The disclosed Rates and Annual Percentage Yields are variable and subject to change weekly after the account is opened.
Fees could reduce earnings.
If you close your account before interest is credited, you will receive the accrued interest due if funds remain in the bank.
Charges may occur if the account is overdrawn or checks are returned for non-sufficient funds.
Partnerships and Corporations do not qualify for SuperNow Accounts due to Federal Regulations. 
ATM use of Visa Check Card at non Farmers Bank ATMs may result in that company’s charges.

Benefits:
Link our Saver Friendly savings product and earn a premium rate of interest.
Excellent rate of return
Unlimited check writing
First 50 printed checks are free
Minimum of $1,000 is required to open
$10 monthly maintenance fee assessed if balance falls below the $1,000 minimum daily balance
Internet banking, bill payment, e-statements and e-bill delivery are available.  
A Visa check card with no charge for transactions for credit and debit

Disclosures:
Interest starts to accrue the business day you make a deposit.
Interest is accrued daily on the balance.  We use the Daily Balance Method.
Interest is compounded and credited to the account every month.
The disclosed Rates and Annual Percentage Yields are variable and subject to change weekly after the account is opened.
Fees could reduce earnings. 
If you close your account before interest is credited, you will receive the accrued interest due if funds remain in the bank.
Charges may occur if the account is overdrawn or checks are returned for non-sufficient funds.
Partnerships and Corporations do not qualify for SuperNow Accounts due to Federal Regulations. 
ATM use of Visa Check Card at non Farmers Bank ATMs may result in that company’s charges.

Benefits:
Link our Saver Friendly savings product and earn a premium rate of interest.
Internet banking, limited bill payment, e-statements and e-bill delivery are available.
First 50 checks are free.
Minimum of $1,000 is required to open.
$10 monthly maintenance fee assessed if balance falls below the $1,000 minimum daily balance.
Limited monthly transactions:  no more than 6 preauthorized withdrawals, no more than 3 of which may be by check or draft.  Preauthorized transactions include: ACH, Internet Banker transfers, Touch Tone Teller or telephone transfers, overdraft coverage.
Unlimited prearranged transfers between accounts, such as loan payments and Christmas club       payments are permitted.
Unlimited ATM transactions are permitted.  

Disclosures:
Interest starts to accrue the business day you make a deposit.
Interest is accrued daily on the balance.  We use the Daily Balance Method.
Interest is compounded and credited to the account every month.
The disclosed Rates and Annual Percentage Yields are variable and subject to change weekly after the account is opened.
Fees could reduce earnings. 
If you close your account before interest is credited, you will receive the accrued interest due if funds remain in the bank. 
Charges may occur if the account is overdrawn or checks are returned for non-sufficient funds.
Due to federal regulations, Partnerships and Corporations do not qualify for Money Market Accounts. 
Minimum of $1,000 required to receive the Interest Rate.
Transfers from a HI-FI Money Market account to another account or to third parties by preauthorized, automatic or telephone transfers are limited to six per month with no more than three by check, draft or similar order to third parties. 
ATM use of Visa Check Card at non Farmers Bank ATMs may result in that company’s charges.

Benefits:
Excellent rate of return
Link our Saver Friendly savings product and earn a premium rate of interest
Internet banking, limited bill payment, e-statements and e-bill delivery are available
First 50 checks are free
Minimum of $10,000 is required to open
$10 monthly maintenance fee assessed if balance falls below the $1,000 minimum daily balance
Limited monthly transactions of 6 preauthorized withdrawals, 3 of which may be by check or draft
Preauthorized transactions include: ACH, Internet Banker transfers, Touch Tone Teller or telephone transfers, overdraft coverage
Unlimited prearranged transfers between accounts, such as loan payments and Christmas club       payments are permitted
Unlimited ATM transactions are permitted  

Disclosures:
Interest starts to accrue the business day you make a deposit.
Interest is accrued daily on the balance.  We use the Daily Balance Method.
Interest is compounded and credited to the account every month.
The disclosed Rates and Annual Percentage Yields are variable and subject to change weekly after the account is opened.
Fees could reduce earnings.
If you close your account before interest is credited, you will receive the accrued interest due if funds remain in the bank.
Charges may occur if the account is overdrawn or checks are returned for non-sufficient funds.
Due to federal regulations, Partnerships and Corporations do not qualify for Premium Money Market Accounts. 
If the balance falls below $1,000 during any day of the monthly statement cycle, the monthly service charge is $10.00. 
Minimum $10,000 required to receive the Premium Interest Rate.
Rate is tiered under $10,000, based on HI-FI Money Market Rate.
Transfers from a Premium Money Market account to another account or to third parties by preauthorized, automatic or telephone transfers are limited to six per month with no more than three by check, draft or similar order to third parties.
ATM use of Visa Check Card at non Farmers Bank ATMs may result in that company’s charges.
If the balance falls below $10,000, the account accrues interest at a different tier level.