The Investment Center at F&M Bank

It's now easier than ever to get professional investment guidance.

With the multitude of investments currently available, you need the knowledge and experience to make careful investment decisions in order to achieve your long-term financial goals.

A financial consultant is conveniently located in your local F&M Bank branch and is eager to meet with you - with absolutely no obligation. They will personally work with you to help you build an investment strategy, understand your options, and help you make informed decisions.

Through the Investment Center at F&M Bank, you'll gain access to a full range of products and services.

To learn more about each product or service, browse through the list below and click on the appropriate link.

• Mutual Funds
• Annuities include Fixed, Variable, and Immediate types.
• Brokerage services allow you to determine whether stocks and bonds are a good choice for you.
• Life Insurance can protect your family in the event of a death.

Before making any investment decision, speak with a financial consultant to help you design an asset allocation strategy based on your financial objectives and risk tolerance.

Now is the time to get started on the path to smart investing. Take advantage of a complimentary financial consultation today.

To learn more, speak with one of our licensed financial consultants today:
800-952-5941.

Disclosures

* While diversification is an important risk management tool, it cannot guarantee protection against losses.

** Returns and principal value may fluctuate, resulting in a gain or loss on sale. Proceeds on sales may be less than your original cost. Sales charges may apply.

*** Past performance is no guarantee of future results.

The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: MI, OH, WI, IA.

Securities are offered through LPL Financial Corporation (LPL Financial). Member FINRA/SIPC. Insurance is offered through LPL Financial or its affiliate LPL Insurance Associates, Inc. Insurance may also be offered through UVEST Financial Services Group, Inc. (UVEST). Investment Center at F&M Bank and F&M Bank are not broker/dealers, nor are they affiliated with LPL Financial or UVEST.

NOT FDIC INSURED - ­NO BANK GUARANTEE - MAY LOSE VALUE - NOT A DEPOSIT - NOT INSURED BY ANY FEDERAL GOVERNMENT ENTITY

This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. investment representatives. LPL nancial's U.S. financial consultants may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

Financial Industry Regulatory Authority

Securities Investor Protection Corporation