Golden Credit Line^®
Golden Credit Line is an unsecured personal line of credit.

Benefits:

• It gives you immediate access to a credit line of $10,000 or more
• One initial application
• Favorable lending rates
• Can be used as overdraft protection with Money Maker Checking

Home Equity Lines of Credit
The F&M Bank Home Equity Line of Credit may be one of the smartest and easiest ways to manage your on-going loan needs. By accessing the stored equity in your home you can easily consolidate debt, remodel your home, take a vacation or buy a car.

Apply once. Then write yourself a loan whenever you need it. Access the equity in your home using a VISA® Access Gold Credit Card or special checks that draws against your line. The interest rate on a Home Equity Line of Credit is likely to be lower than the rate you're paying on existing credit cards or other consumer loans. Unlike traditional lines of credit, any interest you pay may be tax-deductible. (Consult your tax advisor regarding deductibility of interest.)

Overdraft Reserve Line
A personal line of credit, managed through your checking account, that offers you convenience, flexibility and security.

Benefits:

• Draws on your line by transfering dollars to automatically cover any overdrafts you may incur with an advance up to your approved line of credit
• If you need extra money, you can request an advance through a F&M Bank customer service representative
• The minimum payment due will be shown on each monthly checking account statement and will be automatically deducted on the due date
• You receive verification of each advance as it occurs, and your monthly checking statement details advances drawn from your Overdraft Reserve Line
• Maximum line amount is $5,000