Farmers & Merchants Bank of Western PA | Personal Accounts

Personal Banking | Savings Accounts

Money Market Account**

An excellent choice for the large balance saver. This account offers a competitive tiered interest rate with the convenience of check writing.

To obtain the disclosed annual percentage yield you must maintain a $1,000.00 minimum daily balance
$5.00 monthly service charge if average daily balance is below $1,000.00
Interest compounded daily, credited monthly
$50.00 minimum deposit to open

**You may make up to six (6) withdrawals per statement cycle, three (3) of which may be checks made payable to a third party. Limited withdrawals include pre-authorized transfers such as ACH debits, point-of-sale transactions, automatic transfers, telephone or online banking transfers.

Daily Balance	Minimum Opening Deposit Amount	Minimum Balance to Obtain APY	Interest Rate	APY
$1,000 - $24,999.99 b.	$50	$1,000 c.	0.50%	0.50%
25,000.00 – 49,999.99 b.	$50	$1,000 c.	0.85%	0.85%
$50,000.00 + b.	$50	$1,000 c.	1.00%	1.01%

Statement Savings**

A traditional savings account that is flexible and easy to access. The account pays a competitive rate with no service charge if you maintain an average daily balance of $50.00.

To obtain the disclosed annual percentage yield you must maintain a $50.00 minimum daily balance
$5.00 quarterly service charge if average daily balance is below $50.00
Interest compounded daily, credited quarterly
FREE ATM Card
$50.00 minimum deposit to open

Minimum Opening Deposit Amount	Minimum Balance to Obtain APY	Interest Rate	APY
$50	$50 c.	1.00% b.	1.01% b.

Savings Club

The any reason, any season account. This savings account is designed to help you reach your financial goals. Save for vacation, holiday spending, taxes or just a rainy day with our variable rate savings club account. You choose the month you would like your funds.

You may make additional deposits of any amount at any time
If you withdraw from this account prior to maturity, we may impose a penalty of $5.00 OR the loss of all interest earned to date - whichever is greater
Minimum term is seven (7) months
Maximum term is twelve (12) months
Interest compounded daily, credited at maturity
$10.00 minimum deposit to open

Minimum Opening Deposit Amount	Interest Rate	APY
$10	1.00% b.	1.01% b.

a. A penalty may be imposed for early withdrawal.
b. The interest rate and annual percentage yield may change after account opening.
c. Daily balance. The amount of the principal in the account each day.

Rates are accurate as of (2-10-2010) and subject to change before or after account opening.
*APY—annual percentage yield is calculated using the daily balance method.
Fees may reduce earnings.
Rates may apply to new accounts and may not apply to existing accounts.
Please phone 724-543-1125 for inquiry or rates currently available.

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