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 (May-09-08) 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 $100,000.00 or more 3.25% 3.20% $50,000.00 - $99,999.99 3.25% 3.20% $25,000.00 - $49,999.99 3.25% 3.20% $10,000.00 - $24,999.99 3.25% 3.20% Less than $10,000.00 3.25% 3.20% Certificate of Deposit Rates FMSB Current CD Rate Report as of (May-09-08) $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 2.00% 1.99% 12 Month 2.50% 2.48% 18 Month 2.50% 2.48% 24 Month 2.50% 2.48% 30 Month 2.50% 2.48% 36 Month 3.50% 3.47% 48 Month 2.50% 2.48% Individual Retirement Account Rates FMSB Current IRA Rate Report as of (May-09-08) 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) 2.75% 2.73% Fixed Rate IRA 2.75% 2.73%