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*NEW AND EXISTING BANK CUSTOMERS: To receive the advertised Annual Percentage Yield (APY) open a CD with funds not currently on deposit with F&M Bank with a $1,000 minimum opening deposit AND open or maintain an F&M Checking account with a qualifying monthly recurring direct deposit. APY assumes interest does not remain on deposit; interest will be paid either monthly, quarterly or at maturity. Early withdrawal penalties may apply and reduce earnings. APY is accurate as of 6-20-08 and subject to change anytime without notice. **Checking account and direct deposit must remain open for the duration of the original term.
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