Gold Money Market Rates Want to earn a great rate on your investment dollars and still have access to your funds on a regular basis? Then consider a Gold Money Market Account with Farmers & Merchants Savings Bank. With as little as $500 to open your investment account, you can earn a competitive return (see rate report below) and still have access to your funds on a regular basis. Additional deposits are welcome at any time and interest is credited and compounded monthly. FMSB Gold Money Market Current Interest Rates as of (Mar-13-10) Interest rates may vary and fees could reduce earnings $500 minimum deposit required to open an account Account Balance Tier Annual Percentage Yield Interest Rate $500,000.00 or more 1.00%-1.85% 1.00% Less than $500,000 1.85% 1.83% Certificate of Deposit Rates FMSB Current CD Rate Report as of (Mar-13-10) $500 minimum deposit required to open an account Fees could reduce earnings on the account • Subject to early withdrawal penalty Term Annual Percentage Yield Interest Rate 6 Month 1.50% 1.49% 12 Month 1.85% 1.84% 18 Month 1.85% 1.84% 24 Month 2.15% 2.14% 30 Month 2.15% 2.14% 36 Month 2.25% 2.24% 48 Month *One rate change allowed during the first term. 2.25% 2.24% Individual Retirement Account Rates FMSB Current IRA Rate Report as of (Mar-13-10) Term – 12 Month No minimum deposit required to open an account Fees could reduce earnings on the account • Subject to early withdrawal penalty Type of Account Annual Percentage Yield Interest Rate Variable Rate IRA (Rate may change monthly) 2.25% 2.24% Fixed Rate IRA 2.25% 2.24%