HOME OF COMMUNITY BANKING Visa CC Login. F&M Trust. A community bank with a passion for the right financial solutions. That’s banking done your way. Whether you’re a stay-at-home mom, a CFO or a business owner on the go, F&M Trust has the financial services and tools to keep you in the know.

Welcome to

PERSONAL BANKING

F&M Trust offers a wide range of personal banking services and resources, including online and mobile banking, checking and savings accounts, borrowing and resources, right in Southern and Central Pennsylvania – all with a personal, professional touch. PERSONAL CHECKING ACCOUNTS YourWay Personal Checking. Our YourWay account line up is designed to help you Bank it Easy with convenience. Find money saving features when you choose the YourWay Plus or YourWay Premier account, with YourBux Benefits.YourBux offers a variety of money saving services that you may already be using and paying for. PERSONAL BANKING SERVICES Bank by phone seven days a week, 24 hours a day. Access your accounts, transfer funds, get loan and deposit account information, make a payment to a line of credit or loan account, request stop payments and more. Contact our Freedom Access Center at (717) PPP-LOAN-FORGIVENESS UPDATE: On January 19, 2021, the SBA released revised loan forgiveness forms for the Paycheck Protection Program. The revised forms include a streamlined forgiveness application for all PPP loans of $150,000 or less. An eligible borrower that received a PPP loan of $150,000 or less should use the new SBA Form 3508S. OPEN AN ACCOUNT ONLINE Welcome to a convenient, secure way to open an account online — for current customers and new ones. Filling out an application is easy, and usually takes less than 10 minutes to complete if you have the following information about you and any joint account holders on hand: social security number, driver's license number, current address.

MORTGAGE SERVICES

F&M Trust’s mortgage advisors have decades of experience in helping south-central Pennsylvania customers decide on the best financing option for their new homes. Learn about the types of mortgages to determine which one is right for your financial needs.

ZELLE® | F&M TRUST

Zelle®. Introducing Zelle® - a fast, safe and easy way to send money in minutes 1 to friends, family and others you trust, right from the F&M Trust mobile app. Zelle makes it easy to send money to, or receive money from, people you trust - no matter where they bank INVESTMENT & TRUST SERVICES TEAM Vice President – Investment & Trust Services Market Manager, Franklin, Fulton & Huntingdon Counties. Memorial Square Office — Franklin County. 20 South Main Street. P.O. Box 6010. Chambersburg, PA 17201. Office: (717) 261-3561. Email. Christian Merritt, III. Vice President - Investment & Trust Services Market Manager Cumberland

County and

FREQUENTLY ASKED QUESTIONS Once customer support moves your email address or U.S. mobile phone number, it will be connected to your F&M Trust account so you can start sending and receiving money with Zelle through the F&M Trust mobile banking app. Please call F&M Trust customer support toll-free at 888-264-6116 for help. HOME OF COMMUNITY BANKING Visa CC Login. F&M Trust. A community bank with a passion for the right financial solutions. That’s banking done your way. Whether you’re a stay-at-home mom, a CFO or a business owner on the go, F&M Trust has the financial services and tools to keep you in the know.

Welcome to

PERSONAL BANKING

F&M Trust offers a wide range of personal banking services and resources, including online and mobile banking, checking and savings accounts, borrowing and resources, right in Southern and Central Pennsylvania – all with a personal, professional touch. PERSONAL CHECKING ACCOUNTS YourWay Personal Checking. Our YourWay account line up is designed to help you Bank it Easy with convenience. Find money saving features when you choose the YourWay Plus or YourWay Premier account, with YourBux Benefits.YourBux offers a variety of money saving services that you may already be using and paying for. PERSONAL BANKING SERVICES Bank by phone seven days a week, 24 hours a day. Access your accounts, transfer funds, get loan and deposit account information, make a payment to a line of credit or loan account, request stop payments and more. Contact our Freedom Access Center at (717) PPP-LOAN-FORGIVENESS UPDATE: On January 19, 2021, the SBA released revised loan forgiveness forms for the Paycheck Protection Program. The revised forms include a streamlined forgiveness application for all PPP loans of $150,000 or less. An eligible borrower that received a PPP loan of $150,000 or less should use the new SBA Form 3508S. OPEN AN ACCOUNT ONLINE Welcome to a convenient, secure way to open an account online — for current customers and new ones. Filling out an application is easy, and usually takes less than 10 minutes to complete if you have the following information about you and any joint account holders on hand: social security number, driver's license number, current address.

MORTGAGE SERVICES

F&M Trust’s mortgage advisors have decades of experience in helping south-central Pennsylvania customers decide on the best financing option for their new homes. Learn about the types of mortgages to determine which one is right for your financial needs.

ZELLE® | F&M TRUST

Zelle®. Introducing Zelle® - a fast, safe and easy way to send money in minutes 1 to friends, family and others you trust, right from the F&M Trust mobile app. Zelle makes it easy to send money to, or receive money from, people you trust - no matter where they bank INVESTMENT & TRUST SERVICES TEAM Vice President – Investment & Trust Services Market Manager, Franklin, Fulton & Huntingdon Counties. Memorial Square Office — Franklin County. 20 South Main Street. P.O. Box 6010. Chambersburg, PA 17201. Office: (717) 261-3561. Email. Christian Merritt, III. Vice President - Investment & Trust Services Market Manager Cumberland

County and

FREQUENTLY ASKED QUESTIONS Once customer support moves your email address or U.S. mobile phone number, it will be connected to your F&M Trust account so you can start sending and receiving money with Zelle through the F&M Trust mobile banking app. Please call F&M Trust customer support toll-free at 888-264-6116 for help. CURRENT INTEREST RATES Rates. Interest rates listed below are effective May 26, 2021. Rates are subject to change. Not all available terms and rates are listed for F&M Trust certificates of deposit and loans. Other rates and terms are available. For additional product or rate information, please contact the nearest F&M Trust community office at (717) 264-6116 or

(888

OPEN AN ACCOUNT ONLINE Welcome to a convenient, secure way to open an account online — for current customers and new ones. Filling out an application is easy, and usually takes less than 10 minutes to complete if you have the following information about you and any joint account holders on hand: social security number, driver's license number, current address. COVID-19 | F&M TRUST Get access to your accounts anywhere, anytime. Manage your money using convenience services like online banking, the F&M Trust mobile banking app, telephone banking and more. You can access funds, make transfers, pay bills and deposit checks any time you need. For more information on these convenient services, please Click Here.

LOCATIONS & ATMS

With Pennsylvania offices and ATMs throughout Cumberland, Franklin, Fulton and Huntingdon Counties, find a F&M Trust community office or

ATM closest to you.

ZELLE® | F&M TRUST

Zelle®. Introducing Zelle® - a fast, safe and easy way to send money in minutes 1 to friends, family and others you trust, right from the F&M Trust mobile app. Zelle makes it easy to send money to, or receive money from, people you trust - no matter where they bank

STIMULUS PAYMENTS

A married couple with two dependents and an AGI of $155,000 will generally get a payment of $2,800 (again, half the amount). Filers with incomes of at least $80,000 (single and married filing separately), $120,000 (head of household) and $160,000 (married filing joint and surviving spouse) will get no payment based on the law. COMMERCIAL SERVICES TEAM Vice President – Commercial Services Market Manager, Franklin, Fulton & Huntingdon Counties. Memorial Square Office — Franklin County. 20 South Main Street. P.O. Box 6010. Chambersburg, PA 17201. Office: (717) 261-3669. Email. Andy Klinger. Vice President - Commercial Services Market Manager, Cumberland County and Capital

Region.

MONEY MOVES DONE YOUR WAY As January closed there was some very unusual excitement in the stock markets. The price of shares of videogame reseller GameStop, which had languished for years near $5, suddenly began to rocket skyward, to $40, then $60, then $120, eventually cresting at SIGN IN TO BUSINESS EBANKING Sign in to Business eBanking. Need help? Contact us at (888) 264-6116. View our privacy policy. FREQUENTLY ASKED QUESTIONS At F&M Trust, we understand that our financial customers may have some questions and want clear answers, now. Fortunately, we’ve compiled a list of our most frequently asked questions (FAQs) to keep them financially informed and feeling confident. HOME OF COMMUNITY BANKING Visa CC Login. F&M Trust. A community bank with a passion for the right financial solutions. That’s banking done your way. Whether you’re a stay-at-home mom, a CFO or a business owner on the go, F&M Trust has the financial services and tools to keep you in the know.

Welcome to

PERSONAL BANKING

F&M Trust offers a wide range of personal banking services and resources, including online and mobile banking, checking and savings accounts, borrowing and resources, right in Southern and Central Pennsylvania – all with a personal, professional touch. PERSONAL BANKING SERVICES Bank by phone seven days a week, 24 hours a day. Access your accounts, transfer funds, get loan and deposit account information, make a payment to a line of credit or loan account, request stop payments and more. Contact our Freedom Access Center at (717) PERSONAL CHECKING ACCOUNTS YourWay Personal Checking. Our YourWay account line up is designed to help you Bank it Easy with convenience. Find money saving features when you choose the YourWay Plus or YourWay Premier account, with YourBux Benefits.YourBux offers a variety of money saving services that you may already be using and paying for. OPEN AN ACCOUNT ONLINE Welcome to a convenient, secure way to open an account online — for current customers and new ones. Filling out an application is easy, and usually takes less than 10 minutes to complete if you have the following information about you and any joint account holders on hand: social security number, driver's license number, current address.

MORTGAGE SERVICES

F&M Trust’s mortgage advisors have decades of experience in helping south-central Pennsylvania customers decide on the best financing option for their new homes. Learn about the types of mortgages to determine which one is right for your financial needs. HOME OF COMMUNITY BANKING Visa CC Login. F&M Trust. A community bank with a passion for the right financial solutions. That’s banking done your way. Whether you’re a stay-at-home mom, a CFO or a business owner on the go, F&M Trust has the financial services and tools to keep you in the know.

Welcome to

PERSONAL BANKING

F&M Trust offers a wide range of personal banking services and resources, including online and mobile banking, checking and savings accounts, borrowing and resources, right in Southern and Central Pennsylvania – all with a personal, professional touch. PERSONAL BANKING SERVICES Bank by phone seven days a week, 24 hours a day. Access your accounts, transfer funds, get loan and deposit account information, make a payment to a line of credit or loan account, request stop payments and more. Contact our Freedom Access Center at (717) PERSONAL CHECKING ACCOUNTS YourWay Personal Checking. Our YourWay account line up is designed to help you Bank it Easy with convenience. Find money saving features when you choose the YourWay Plus or YourWay Premier account, with YourBux Benefits.YourBux offers a variety of money saving services that you may already be using and paying for. OPEN AN ACCOUNT ONLINE Welcome to a convenient, secure way to open an account online — for current customers and new ones. Filling out an application is easy, and usually takes less than 10 minutes to complete if you have the following information about you and any joint account holders on hand: social security number, driver's license number, current address.

MORTGAGE SERVICES

F&M Trust’s mortgage advisors have decades of experience in helping south-central Pennsylvania customers decide on the best financing option for their new homes. Learn about the types of mortgages to determine which one is right for your financial needs.

ZELLE® | F&M TRUST

Zelle®. Introducing Zelle® - a fast, safe and easy way to send money in minutes 1 to friends, family and others you trust, right from the F&M Trust mobile app. Zelle makes it easy to send money to, or receive money from, people you trust - no matter where they bank WEALTH MANAGEMENT RESOURCES Wealth management is no easy feat. F&M Trust’s financial team has helped to serve the best interest of the consumers and businesses in our Central and Southern PA footprints. Reach out to our local wealth management team to help guide you on the right financial path. SIGN IN TO BUSINESS EBANKING Sign in to Business eBanking. Need help? Contact us at (888) 264-6116. MONEY MOVES DONE YOUR WAY As January closed there was some very unusual excitement in the stock markets. The price of shares of videogame reseller GameStop, which had languished for years near $5, suddenly began to rocket skyward, to $40, then $60, then $120, eventually cresting at PERSONAL BANKING SERVICES Bank by phone seven days a week, 24 hours a day. Access your accounts, transfer funds, get loan and deposit account information, make a payment to a line of credit or loan account, request stop payments and more. Contact our Freedom Access Center at (717) CURRENT INTEREST RATES Rates. Interest rates listed below are effective May 26, 2021. Rates are subject to change. Not all available terms and rates are listed for F&M Trust certificates of deposit and loans. Other rates and terms are available. For additional product or rate information, please contact the nearest F&M Trust community office at (717) 264-6116 or

(888

OPEN AN ACCOUNT ONLINE Welcome to a convenient, secure way to open an account online — for current customers and new ones. Filling out an application is easy, and usually takes less than 10 minutes to complete if you have the following information about you and any joint account holders on hand: social security number, driver's license number, current address. COVID-19 | F&M TRUST Get access to your accounts anywhere, anytime. Manage your money using convenience services like online banking, the F&M Trust mobile banking app, telephone banking and more. You can access funds, make transfers, pay bills and deposit checks any time you need. For more information on these convenient services, please Click Here.

STIMULUS PAYMENTS

A married couple with two dependents and an AGI of $155,000 will generally get a payment of $2,800 (again, half the amount). Filers with incomes of at least $80,000 (single and married filing separately), $120,000 (head of household) and $160,000 (married filing joint and surviving spouse) will get no payment based on the law.

COMMERCIAL SERVICES

F&M Trust has partnered with and helped Central and Southern PA commercial businesses thrive for over a century. We believe in a true local business partnership to serve your company’s money management or make loans to meet your ever-growing financial needs —

LOCATIONS & ATMS

With Pennsylvania offices and ATMs throughout Cumberland, Franklin, Fulton and Huntingdon Counties, find a F&M Trust community office or

ATM closest to you.

INVESTMENT & TRUST SERVICES TEAM Vice President – Investment & Trust Services Market Manager, Franklin, Fulton & Huntingdon Counties. Memorial Square Office — Franklin County. 20 South Main Street. P.O. Box 6010. Chambersburg, PA 17201. Office: (717) 261-3561. Email. Christian Merritt, III. Vice President - Investment & Trust Services Market Manager Cumberland

County and

FREQUENTLY ASKED QUESTIONS At F&M Trust, we understand that our financial customers may have some questions and want clear answers, now. Fortunately, we’ve compiled a list of our most frequently asked questions (FAQs) to keep them financially informed and feeling confident. FREQUENTLY ASKED QUESTIONS Once customer support moves your email address or U.S. mobile phone number, it will be connected to your F&M Trust account so you can start sending and receiving money with Zelle through the F&M Trust mobile banking app. Please call F&M Trust customer support toll-free at 888-264-6116 for help. HOME OF COMMUNITY BANKING As a trusted, community bank serving Southern and Central Pennsylvania customers and businesses for over a century, F&M Trust has the right personal, commercial and wealth management financial services and tools to keep you in the financially knowledgeable, agile and

confident.

PERSONAL BANKING

F&M Trust offers a wide range of personal banking services and resources, including online and mobile banking, checking and savings accounts, borrowing and resources, right in Southern and Central Pennsylvania – all with a personal, professional touch. PERSONAL CHECKING ACCOUNTS YourWay Personal Checking. Our YourWay account line up is designed to help you Bank it Easy with convenience. Find money saving features when you choose the YourWay Plus or YourWay Premier account, with YourBux Benefits.YourBux offers a variety of money saving services that you may already be using and paying for. PERSONAL BANKING SERVICES Access your accounts, anytime, anywhere, simply by visiting our website. Get information and manage the details of all your personal loan and deposit accounts, transfer funds, place stop payments, reorder checks and more — with just a few simple clicks. OPEN AN ACCOUNT ONLINE Welcome to a convenient, secure way to open an account online — for current customers and new ones. Filling out an application is easy, and usually takes less than 10 minutes to complete if you have the following information about you and any joint account holders on hand: social security number, driver's license number, current address.

MORTGAGE SERVICES

F&M Trust’s mortgage advisors have decades of experience in helping south-central Pennsylvania customers decide on the best financing option for their new homes. Learn about the types of mortgages to determine which one is right for your financial needs.

ZELLE® | F&M TRUST

Introducing Zelle® - a fast, safe and easy way to send money in minutes 1 to friends, family and others you trust, right from the F&M Trust mobile app. Zelle makes it easy to send money to, or receive money from, people you trust - no matter where they bank 2.Find Zelle in your F&M Trust mobile banking app.. Send money the way it was meant

to be sent.

MONEY MOVES DONE YOUR WAY NOTICE: YOU ARE LEAVING F&M TRUST! You are now leaving the F&M Trust website. Links to third-party sites are provided for your convenience. Such sites are not within our control and may not follow the same privacy, security or accessibility standards as ours. WEALTH MANAGEMENT RESOURCES Wealth management is no easy feat. F&M Trust’s financial team has helped to serve the best interest of the consumers and businesses in our Central and Southern PA footprints. Reach out to our local wealth management team to help guide you on the right financial path. SIGN IN TO BUSINESS EBANKING To protect your personal information, we collect your password on a

separate page.

HOME OF COMMUNITY BANKING As a trusted, community bank serving Southern and Central Pennsylvania customers and businesses for over a century, F&M Trust has the right personal, commercial and wealth management financial services and tools to keep you in the financially knowledgeable, agile and

confident.

PERSONAL BANKING

F&M Trust offers a wide range of personal banking services and resources, including online and mobile banking, checking and savings accounts, borrowing and resources, right in Southern and Central Pennsylvania – all with a personal, professional touch. PERSONAL CHECKING ACCOUNTS YourWay Personal Checking. Our YourWay account line up is designed to help you Bank it Easy with convenience. Find money saving features when you choose the YourWay Plus or YourWay Premier account, with YourBux Benefits.YourBux offers a variety of money saving services that you may already be using and paying for. PERSONAL BANKING SERVICES Access your accounts, anytime, anywhere, simply by visiting our website. Get information and manage the details of all your personal loan and deposit accounts, transfer funds, place stop payments, reorder checks and more — with just a few simple clicks. OPEN AN ACCOUNT ONLINE Welcome to a convenient, secure way to open an account online — for current customers and new ones. Filling out an application is easy, and usually takes less than 10 minutes to complete if you have the following information about you and any joint account holders on hand: social security number, driver's license number, current address.

MORTGAGE SERVICES

F&M Trust’s mortgage advisors have decades of experience in helping south-central Pennsylvania customers decide on the best financing option for their new homes. Learn about the types of mortgages to determine which one is right for your financial needs.

ZELLE® | F&M TRUST

Introducing Zelle® - a fast, safe and easy way to send money in minutes 1 to friends, family and others you trust, right from the F&M Trust mobile app. Zelle makes it easy to send money to, or receive money from, people you trust - no matter where they bank 2.Find Zelle in your F&M Trust mobile banking app.. Send money the way it was meant

to be sent.

MONEY MOVES DONE YOUR WAY NOTICE: YOU ARE LEAVING F&M TRUST! You are now leaving the F&M Trust website. Links to third-party sites are provided for your convenience. Such sites are not within our control and may not follow the same privacy, security or accessibility standards as ours. WEALTH MANAGEMENT RESOURCES Wealth management is no easy feat. F&M Trust’s financial team has helped to serve the best interest of the consumers and businesses in our Central and Southern PA footprints. Reach out to our local wealth management team to help guide you on the right financial path. SIGN IN TO BUSINESS EBANKING To protect your personal information, we collect your password on a

separate page.

PERSONAL BANKING SERVICES Access your accounts, anytime, anywhere, simply by visiting our website. Get information and manage the details of all your personal loan and deposit accounts, transfer funds, place stop payments, reorder checks and more — with just a few simple clicks. OPEN AN ACCOUNT ONLINE Welcome to a convenient, secure way to open an account online — for current customers and new ones. Filling out an application is easy, and usually takes less than 10 minutes to complete if you have the following information about you and any joint account holders on hand: social security number, driver's license number, current address. COVID-19 | F&M TRUST Convenience Services Get access to your accounts anywhere, anytime. Manage your money using convenience services like online banking, the

F&M Trust mobile

CURRENT INTEREST RATES Review F&M Trust’s current interest rates, including current rates for savings accounts, checking accounts, money management accounts, certificate of deposits (CDs), loans and other types of financial

accounts.

STIMULUS PAYMENTS

The newly enacted American Rescue Plan Act of 2021 authorizes stimulus payments to many taxpayers. Our guide to the federal stimulus payments

highlights who is

COMMERCIAL SERVICES

F&M Trust has partnered with and helped Central and Southern PA commercial businesses thrive for over a century. We believe in a true local business partnership to serve your company’s money management or make loans to meet your ever-growing financial needs —

LOCATIONS & ATMS

With Pennsylvania offices and ATMs throughout Cumberland, Franklin, Fulton and Huntingdon Counties, find a F&M Trust community office or

ATM closest to you.

DONATIONS & SPONSORSHIPS F&M Trust is committed to supporting and investing in the communities we serve. If your organization would like to be considered for a donation or sponsorship, please complete and submit our request for

community support.

INVESTMENT & TRUST SERVICES TEAM The F&M Trust Investment & Trust Services team is ready to help your South Central Pennsylvania organization. Reach out via phone or email to your local community office team member today. FREQUENTLY ASKED QUESTIONS At F&M Trust, we understand that our financial customers may have some questions and want clear answers, now. Fortunately, we’ve compiled a list of our most frequently asked questions (FAQs) to keep them financially informed and feeling confident. HOME OF COMMUNITY BANKING Visa CC Login. F&M Trust. A community bank with a passion for the right financial solutions. That’s banking done your way. Whether you’re a stay-at-home mom, a CFO or a business owner on the go, F&M Trust has the financial services and tools to keep you in the know.

Welcome to

PERSONAL BANKING

F&M Trust offers a wide range of personal banking services and resources, including online and mobile banking, checking and savings accounts, borrowing and resources, right in Southern and Central Pennsylvania – all with a personal, professional touch. PERSONAL CHECKING ACCOUNTS YourWay Personal Checking. Our YourWay account line up is designed to help you Bank it Easy with convenience. Find money saving features when you choose the YourWay Plus or YourWay Premier account, with YourBux Benefits.YourBux offers a variety of money saving services that you may already be using and paying for.

MORTGAGE SERVICES

F&M Trust’s mortgage advisors have decades of experience in helping south-central Pennsylvania customers decide on the best financing option for their new homes. Learn about the types of mortgages to determine which one is right for your financial needs.

ZELLE® | F&M TRUST

Zelle®. Introducing Zelle® - a fast, safe and easy way to send money in minutes 1 to friends, family and others you trust, right from the F&M Trust mobile app. Zelle makes it easy to send money to, or receive money from, people you trust - no matter where they bank COMMERCIAL SERVICES TEAM Vice President – Commercial Services Market Manager, Franklin, Fulton & Huntingdon Counties. Memorial Square Office — Franklin County. 20 South Main Street. P.O. Box 6010. Chambersburg, PA 17201. Office: (717) 261-3669. Email. Andy Klinger. Vice President - Commercial Services Market Manager, Cumberland County and Capital

Region.

SIGN IN TO BUSINESS EBANKING Sign in to Business eBanking. Need help? Contact us at (888) 264-6116. FREQUENTLY ASKED QUESTIONS At F&M Trust, we understand that our financial customers may have some questions and want clear answers, now. Fortunately, we’ve compiled a list of our most frequently asked questions (FAQs) to keep them financially informed and feeling confident. FREQUENTLY ASKED QUESTIONS Once customer support moves your email address or U.S. mobile phone number, it will be connected to your F&M Trust account so you can start sending and receiving money with Zelle through the F&M Trust mobile banking app. Please call F&M Trust customer support toll-free at 888-264-6116 for help. F&M TRUST ANNOUNCES NEW HIRES: APRIL 2018 F&M Trust is an independent community bank headquartered in Chambersburg with approximately $1 billion in assets. With twenty-two community-banking locations in Franklin, Cumberland, Fulton and Huntingdon Counties, the bank has offices in Chambersburg, Carlisle, Camp Hill, Mechanicsburg, Waynesboro, Marion, Mont Alto, Greencastle, Boiling Springs, Newville, Shippensburg, HOME OF COMMUNITY BANKING Visa CC Login. F&M Trust. A community bank with a passion for the right financial solutions. That’s banking done your way. Whether you’re a stay-at-home mom, a CFO or a business owner on the go, F&M Trust has the financial services and tools to keep you in the know.

Welcome to

PERSONAL BANKING

F&M Trust offers a wide range of personal banking services and resources, including online and mobile banking, checking and savings accounts, borrowing and resources, right in Southern and Central Pennsylvania – all with a personal, professional touch. PERSONAL CHECKING ACCOUNTS YourWay Personal Checking. Our YourWay account line up is designed to help you Bank it Easy with convenience. Find money saving features when you choose the YourWay Plus or YourWay Premier account, with YourBux Benefits.YourBux offers a variety of money saving services that you may already be using and paying for.

MORTGAGE SERVICES

F&M Trust’s mortgage advisors have decades of experience in helping south-central Pennsylvania customers decide on the best financing option for their new homes. Learn about the types of mortgages to determine which one is right for your financial needs.

ZELLE® | F&M TRUST

Zelle®. Introducing Zelle® - a fast, safe and easy way to send money in minutes 1 to friends, family and others you trust, right from the F&M Trust mobile app. Zelle makes it easy to send money to, or receive money from, people you trust - no matter where they bank COMMERCIAL SERVICES TEAM Vice President – Commercial Services Market Manager, Franklin, Fulton & Huntingdon Counties. Memorial Square Office — Franklin County. 20 South Main Street. P.O. Box 6010. Chambersburg, PA 17201. Office: (717) 261-3669. Email. Andy Klinger. Vice President - Commercial Services Market Manager, Cumberland County and Capital

Region.

SIGN IN TO BUSINESS EBANKING Sign in to Business eBanking. Need help? Contact us at (888) 264-6116. FREQUENTLY ASKED QUESTIONS At F&M Trust, we understand that our financial customers may have some questions and want clear answers, now. Fortunately, we’ve compiled a list of our most frequently asked questions (FAQs) to keep them financially informed and feeling confident. FREQUENTLY ASKED QUESTIONS Once customer support moves your email address or U.S. mobile phone number, it will be connected to your F&M Trust account so you can start sending and receiving money with Zelle through the F&M Trust mobile banking app. Please call F&M Trust customer support toll-free at 888-264-6116 for help. F&M TRUST ANNOUNCES NEW HIRES: APRIL 2018 F&M Trust is an independent community bank headquartered in Chambersburg with approximately $1 billion in assets. With twenty-two community-banking locations in Franklin, Cumberland, Fulton and Huntingdon Counties, the bank has offices in Chambersburg, Carlisle, Camp Hill, Mechanicsburg, Waynesboro, Marion, Mont Alto, Greencastle, Boiling Springs, Newville, Shippensburg, PERSONAL BANKING SERVICES Bank by phone seven days a week, 24 hours a day. Access your accounts, transfer funds, get loan and deposit account information, make a payment to a line of credit or loan account, request stop payments and more. Contact our Freedom Access Center at (717) CURRENT INTEREST RATES Rates. Interest rates listed below are effective May 26, 2021. Rates are subject to change. Not all available terms and rates are listed for F&M Trust certificates of deposit and loans. Other rates and terms are available. For additional product or rate information, please contact the nearest F&M Trust community office at (717) 264-6116 or

(888

OPEN AN ACCOUNT ONLINE Welcome to a convenient, secure way to open an account online — for current customers and new ones. Filling out an application is easy, and usually takes less than 10 minutes to complete if you have the following information about you and any joint account holders on hand: social security number, driver's license number, current address.

LOCATIONS & ATMS

With Pennsylvania offices and ATMs throughout Cumberland, Franklin, Fulton and Huntingdon Counties, find a F&M Trust community office or

ATM closest to you.

MONEY MOVES DONE YOUR WAY As January closed there was some very unusual excitement in the stock markets. The price of shares of videogame reseller GameStop, which had languished for years near $5, suddenly began to rocket skyward, to $40, then $60, then $120, eventually cresting at INVESTMENT & TRUST SERVICES TEAM Vice President – Investment & Trust Services Market Manager, Franklin, Fulton & Huntingdon Counties. Memorial Square Office — Franklin County. 20 South Main Street. P.O. Box 6010. Chambersburg, PA 17201. Office: (717) 261-3561. Email. Christian Merritt, III. Vice President - Investment & Trust Services Market Manager Cumberland

County and

WEALTH MANAGEMENT RESOURCES Wealth management is no easy feat. F&M Trust’s financial team has helped to serve the best interest of the consumers and businesses in our Central and Southern PA footprints. Reach out to our local wealth management team to help guide you on the right financial path.

MERCHANT SERVICES

Merchant Services. F&M Trust Merchant Services partners with BASYS Processing to deliver top-notch credit card processing services. Collect payments via debit card or credit card and receive immediate authorization of payment of funds. BASYS offers a wide range of card processing solutions at competitive pricing. FREQUENTLY ASKED QUESTIONS At F&M Trust, we understand that our financial customers may have some questions and want clear answers, now. Fortunately, we’ve compiled a list of our most frequently asked questions (FAQs) to keep them financially informed and feeling confident. F&M TRUST ANNOUNCES NEW HIRES, PROMOTIONS FEBRUARY 2020 F&M Trust announces new hires, promotions February 2020. Wednesday, February 5, 2020. F&M Trust is pleased to announce the following recent hires and promotions: Caroline Moore was recently promoted to assistant community office manager for F&M Trust’s Carlisle Crossing Community Office. In her new role, Moore is responsible for overseeing HOME OF COMMUNITY BANKING Visa CC Login. F&M Trust. A community bank with a passion for the right financial solutions. That’s banking done your way. Whether you’re a stay-at-home mom, a CFO or a business owner on the go, F&M Trust has the financial services and tools to keep you in the know.

Welcome to

PERSONAL BANKING

F&M Trust offers a wide range of personal banking services and resources, including online and mobile banking, checking and savings accounts, borrowing and resources, right in Southern and Central Pennsylvania – all with a personal, professional touch. PERSONAL CHECKING ACCOUNTS YourWay Personal Checking. Our YourWay account line up is designed to help you Bank it Easy with convenience. Find money saving features when you choose the YourWay Plus or YourWay Premier account, with YourBux Benefits.YourBux offers a variety of money saving services that you may already be using and paying for.

MORTGAGE SERVICES

F&M Trust’s mortgage advisors have decades of experience in helping south-central Pennsylvania customers decide on the best financing option for their new homes. Learn about the types of mortgages to determine which one is right for your financial needs.

ZELLE® | F&M TRUST

Zelle®. Introducing Zelle® - a fast, safe and easy way to send money in minutes 1 to friends, family and others you trust, right from the F&M Trust mobile app. Zelle makes it easy to send money to, or receive money from, people you trust - no matter where they bank COMMERCIAL SERVICES TEAM Vice President – Commercial Services Market Manager, Franklin, Fulton & Huntingdon Counties. Memorial Square Office — Franklin County. 20 South Main Street. P.O. Box 6010. Chambersburg, PA 17201. Office: (717) 261-3669. Email. Andy Klinger. Vice President - Commercial Services Market Manager, Cumberland County and Capital

Region.

SIGN IN TO BUSINESS EBANKING Sign in to Business eBanking. Need help? Contact us at (888) 264-6116. FREQUENTLY ASKED QUESTIONS At F&M Trust, we understand that our financial customers may have some questions and want clear answers, now. Fortunately, we’ve compiled a list of our most frequently asked questions (FAQs) to keep them financially informed and feeling confident. FREQUENTLY ASKED QUESTIONS Once customer support moves your email address or U.S. mobile phone number, it will be connected to your F&M Trust account so you can start sending and receiving money with Zelle through the F&M Trust mobile banking app. Please call F&M Trust customer support toll-free at 888-264-6116 for help. F&M TRUST ANNOUNCES NEW HIRES: APRIL 2018 F&M Trust is an independent community bank headquartered in Chambersburg with approximately $1 billion in assets. With twenty-two community-banking locations in Franklin, Cumberland, Fulton and Huntingdon Counties, the bank has offices in Chambersburg, Carlisle, Camp Hill, Mechanicsburg, Waynesboro, Marion, Mont Alto, Greencastle, Boiling Springs, Newville, Shippensburg, HOME OF COMMUNITY BANKING Visa CC Login. F&M Trust. A community bank with a passion for the right financial solutions. That’s banking done your way. Whether you’re a stay-at-home mom, a CFO or a business owner on the go, F&M Trust has the financial services and tools to keep you in the know.

Welcome to

PERSONAL BANKING

F&M Trust offers a wide range of personal banking services and resources, including online and mobile banking, checking and savings accounts, borrowing and resources, right in Southern and Central Pennsylvania – all with a personal, professional touch. PERSONAL CHECKING ACCOUNTS YourWay Personal Checking. Our YourWay account line up is designed to help you Bank it Easy with convenience. Find money saving features when you choose the YourWay Plus or YourWay Premier account, with YourBux Benefits.YourBux offers a variety of money saving services that you may already be using and paying for.

MORTGAGE SERVICES

F&M Trust’s mortgage advisors have decades of experience in helping south-central Pennsylvania customers decide on the best financing option for their new homes. Learn about the types of mortgages to determine which one is right for your financial needs.

ZELLE® | F&M TRUST

Zelle®. Introducing Zelle® - a fast, safe and easy way to send money in minutes 1 to friends, family and others you trust, right from the F&M Trust mobile app. Zelle makes it easy to send money to, or receive money from, people you trust - no matter where they bank COMMERCIAL SERVICES TEAM Vice President – Commercial Services Market Manager, Franklin, Fulton & Huntingdon Counties. Memorial Square Office — Franklin County. 20 South Main Street. P.O. Box 6010. Chambersburg, PA 17201. Office: (717) 261-3669. Email. Andy Klinger. Vice President - Commercial Services Market Manager, Cumberland County and Capital

Region.

SIGN IN TO BUSINESS EBANKING Sign in to Business eBanking. Need help? Contact us at (888) 264-6116. FREQUENTLY ASKED QUESTIONS At F&M Trust, we understand that our financial customers may have some questions and want clear answers, now. Fortunately, we’ve compiled a list of our most frequently asked questions (FAQs) to keep them financially informed and feeling confident. FREQUENTLY ASKED QUESTIONS Once customer support moves your email address or U.S. mobile phone number, it will be connected to your F&M Trust account so you can start sending and receiving money with Zelle through the F&M Trust mobile banking app. Please call F&M Trust customer support toll-free at 888-264-6116 for help. F&M TRUST ANNOUNCES NEW HIRES: APRIL 2018 F&M Trust is an independent community bank headquartered in Chambersburg with approximately $1 billion in assets. With twenty-two community-banking locations in Franklin, Cumberland, Fulton and Huntingdon Counties, the bank has offices in Chambersburg, Carlisle, Camp Hill, Mechanicsburg, Waynesboro, Marion, Mont Alto, Greencastle, Boiling Springs, Newville, Shippensburg, PERSONAL BANKING SERVICES Bank by phone seven days a week, 24 hours a day. Access your accounts, transfer funds, get loan and deposit account information, make a payment to a line of credit or loan account, request stop payments and more. Contact our Freedom Access Center at (717) CURRENT INTEREST RATES Rates. Interest rates listed below are effective May 26, 2021. Rates are subject to change. Not all available terms and rates are listed for F&M Trust certificates of deposit and loans. Other rates and terms are available. For additional product or rate information, please contact the nearest F&M Trust community office at (717) 264-6116 or

(888

OPEN AN ACCOUNT ONLINE Welcome to a convenient, secure way to open an account online — for current customers and new ones. Filling out an application is easy, and usually takes less than 10 minutes to complete if you have the following information about you and any joint account holders on hand: social security number, driver's license number, current address.

LOCATIONS & ATMS

With Pennsylvania offices and ATMs throughout Cumberland, Franklin, Fulton and Huntingdon Counties, find a F&M Trust community office or

ATM closest to you.

MONEY MOVES DONE YOUR WAY As January closed there was some very unusual excitement in the stock markets. The price of shares of videogame reseller GameStop, which had languished for years near $5, suddenly began to rocket skyward, to $40, then $60, then $120, eventually cresting at WEALTH MANAGEMENT RESOURCES Wealth management is no easy feat. F&M Trust’s financial team has helped to serve the best interest of the consumers and businesses in our Central and Southern PA footprints. Reach out to our local wealth management team to help guide you on the right financial path. INVESTMENT & TRUST SERVICES TEAM Vice President – Investment & Trust Services Market Manager, Franklin, Fulton & Huntingdon Counties. Memorial Square Office — Franklin County. 20 South Main Street. P.O. Box 6010. Chambersburg, PA 17201. Office: (717) 261-3561. Email. Christian Merritt, III. Vice President - Investment & Trust Services Market Manager Cumberland

County and

MERCHANT SERVICES

Merchant Services. F&M Trust Merchant Services partners with BASYS Processing to deliver top-notch credit card processing services. Collect payments via debit card or credit card and receive immediate authorization of payment of funds. BASYS offers a wide range of card processing solutions at competitive pricing. FREQUENTLY ASKED QUESTIONS At F&M Trust, we understand that our financial customers may have some questions and want clear answers, now. Fortunately, we’ve compiled a list of our most frequently asked questions (FAQs) to keep them financially informed and feeling confident. F&M TRUST ANNOUNCES NEW HIRES, PROMOTIONS FEBRUARY 2020 F&M Trust announces new hires, promotions February 2020. Wednesday, February 5, 2020. F&M Trust is pleased to announce the following recent hires and promotions: Caroline Moore was recently promoted to assistant community office manager for F&M Trust’s Carlisle Crossing Community Office. In her new role, Moore is responsible for overseeing HOME OF COMMUNITY BANKING Visa CC Login. F&M Trust. A community bank with a passion for the right financial solutions. That’s banking done your way. Whether you’re a stay-at-home mom, a CFO or a business owner on the go, F&M Trust has the financial services and tools to keep you in the know.

Welcome to

PERSONAL BANKING

F&M Trust offers a wide range of personal banking services and resources, including online and mobile banking, checking and savings accounts, borrowing and resources, right in Southern and Central Pennsylvania – all with a personal, professional touch. PERSONAL CHECKING ACCOUNTS YourWay Personal Checking. Our YourWay account line up is designed to help you Bank it Easy with convenience. Find money saving features when you choose the YourWay Plus or YourWay Premier account, with YourBux Benefits.YourBux offers a variety of money saving services that you may already be using and paying for. PERSONAL BANKING SERVICES Bank by phone seven days a week, 24 hours a day. Access your accounts, transfer funds, get loan and deposit account information, make a payment to a line of credit or loan account, request stop payments and more. Contact our Freedom Access Center at (717)

MORTGAGE SERVICES

F&M Trust’s mortgage advisors have decades of experience in helping south-central Pennsylvania customers decide on the best financing option for their new homes. Learn about the types of mortgages to determine which one is right for your financial needs. PPP-LOAN-FORGIVENESS UPDATE: On January 19, 2021, the SBA released revised loan forgiveness forms for the Paycheck Protection Program. The revised forms include a streamlined forgiveness application for all PPP loans of $150,000 or less. An eligible borrower that received a PPP loan of $150,000 or less should use the new SBA Form 3508S.

STIMULUS PAYMENTS

A married couple with two dependents and an AGI of $155,000 will generally get a payment of $2,800 (again, half the amount). Filers with incomes of at least $80,000 (single and married filing separately), $120,000 (head of household) and $160,000 (married filing joint and surviving spouse) will get no payment based on the law.

ZELLE® | F&M TRUST

Zelle®. Introducing Zelle® - a fast, safe and easy way to send money in minutes 1 to friends, family and others you trust, right from the F&M Trust mobile app. Zelle makes it easy to send money to, or receive money from, people you trust - no matter where they bank WEALTH MANAGEMENT RESOURCES Wealth management is no easy feat. F&M Trust’s financial team has helped to serve the best interest of the consumers and businesses in our Central and Southern PA footprints. Reach out to our local wealth management team to help guide you on the right financial path. MONEY MOVES DONE YOUR WAY As January closed there was some very unusual excitement in the stock markets. The price of shares of videogame reseller GameStop, which had languished for years near $5, suddenly began to rocket skyward, to $40, then $60, then $120, eventually cresting at HOME OF COMMUNITY BANKING Visa CC Login. F&M Trust. A community bank with a passion for the right financial solutions. That’s banking done your way. Whether you’re a stay-at-home mom, a CFO or a business owner on the go, F&M Trust has the financial services and tools to keep you in the know.

Welcome to

PERSONAL BANKING

F&M Trust offers a wide range of personal banking services and resources, including online and mobile banking, checking and savings accounts, borrowing and resources, right in Southern and Central Pennsylvania – all with a personal, professional touch. PERSONAL CHECKING ACCOUNTS YourWay Personal Checking. Our YourWay account line up is designed to help you Bank it Easy with convenience. Find money saving features when you choose the YourWay Plus or YourWay Premier account, with YourBux Benefits.YourBux offers a variety of money saving services that you may already be using and paying for. PERSONAL BANKING SERVICES Bank by phone seven days a week, 24 hours a day. Access your accounts, transfer funds, get loan and deposit account information, make a payment to a line of credit or loan account, request stop payments and more. Contact our Freedom Access Center at (717)

MORTGAGE SERVICES

F&M Trust’s mortgage advisors have decades of experience in helping south-central Pennsylvania customers decide on the best financing option for their new homes. Learn about the types of mortgages to determine which one is right for your financial needs. PPP-LOAN-FORGIVENESS UPDATE: On January 19, 2021, the SBA released revised loan forgiveness forms for the Paycheck Protection Program. The revised forms include a streamlined forgiveness application for all PPP loans of $150,000 or less. An eligible borrower that received a PPP loan of $150,000 or less should use the new SBA Form 3508S.

STIMULUS PAYMENTS

A married couple with two dependents and an AGI of $155,000 will generally get a payment of $2,800 (again, half the amount). Filers with incomes of at least $80,000 (single and married filing separately), $120,000 (head of household) and $160,000 (married filing joint and surviving spouse) will get no payment based on the law.

ZELLE® | F&M TRUST

Zelle®. Introducing Zelle® - a fast, safe and easy way to send money in minutes 1 to friends, family and others you trust, right from the F&M Trust mobile app. Zelle makes it easy to send money to, or receive money from, people you trust - no matter where they bank WEALTH MANAGEMENT RESOURCES Wealth management is no easy feat. F&M Trust’s financial team has helped to serve the best interest of the consumers and businesses in our Central and Southern PA footprints. Reach out to our local wealth management team to help guide you on the right financial path. MONEY MOVES DONE YOUR WAY As January closed there was some very unusual excitement in the stock markets. The price of shares of videogame reseller GameStop, which had languished for years near $5, suddenly began to rocket skyward, to $40, then $60, then $120, eventually cresting at CURRENT INTEREST RATES Rates. Interest rates listed below are effective May 26, 2021. Rates are subject to change. Not all available terms and rates are listed for F&M Trust certificates of deposit and loans. Other rates and terms are available. For additional product or rate information, please contact the nearest F&M Trust community office at (717) 264-6116 or

(888

OPEN AN ACCOUNT ONLINE Welcome to a convenient, secure way to open an account online — for current customers and new ones. Filling out an application is easy, and usually takes less than 10 minutes to complete if you have the following information about you and any joint account holders on hand: social security number, driver's license number, current address. COVID-19 | F&M TRUST You can access funds, make transfers, pay bills and deposit checks any time you need. For more information on these convenient services, please Click Here. Have questions or need help? F&M Trust offers customer support after normal business hours, including weekends, at

STIMULUS PAYMENTS

A married couple with two dependents and an AGI of $155,000 will generally get a payment of $2,800 (again, half the amount). Filers with incomes of at least $80,000 (single and married filing separately), $120,000 (head of household) and $160,000 (married filing joint and surviving spouse) will get no payment based on the law.

COMMERCIAL SERVICES

F&M Trust has partnered with and helped Central and Southern PA commercial businesses thrive for over a century. We believe in a true local business partnership to serve your company’s money management or make loans to meet your ever-growing financial needs —

LOCATIONS & ATMS

With Pennsylvania offices and ATMs throughout Cumberland, Franklin, Fulton and Huntingdon Counties, find a F&M Trust community office or

ATM closest to you.

INVESTMENT & TRUST SERVICES TEAM Vice President – Investment & Trust Services Market Manager, Franklin, Fulton & Huntingdon Counties. Memorial Square Office — Franklin County. 20 South Main Street. P.O. Box 6010. Chambersburg, PA 17201. Office: (717) 261-3561. Email. Christian Merritt, III. Vice President - Investment & Trust Services Market Manager Cumberland

County and

SECURE FILE TRANSFER Current: Secure File Transfer. F&M Trust offers a secure file transfer solution as a method of transferring files safely through the bank’s website. Please include your name, email address and indicate to whose attention the files should be sent at F&M Trust. Then select the files you would like to transfer, click “submit” and you will FREQUENTLY ASKED QUESTIONS At F&M Trust, we understand that our financial customers may have some questions and want clear answers, now. Fortunately, we’ve compiled a list of our most frequently asked questions (FAQs) to keep them financially informed and feeling confident. FREQUENTLY ASKED QUESTIONS Once customer support moves your email address or U.S. mobile phone number, it will be connected to your F&M Trust account so you can start sending and receiving money with Zelle through the F&M Trust mobile banking app. Please call F&M Trust customer support toll-free at 888-264-6116 for help. COVID-19 INFORMATION AND UPDATE FOR INFORMATION, RESOURCES AND UPDATES - CLICK HERE FOR INFORMATION ON THE PAYCHECK PROTECTION PROGRAM LOAN - CLICK HERE

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F&M TRUST. A COMMUNITY BANK WITH A PASSION FOR THE RIGHT FINANCIAL SOLUTIONS. THAT’S BANKING DONE YOUR WAY. Whether you’re a stay-at-home mom, a CFO or a business owner on the go, F&M Trust has the financial services and tools to keep you in the know. Welcome to our 23rd community office.

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IMPACT TO OFFICE HOURS As a result of precautions taken on the campus of our Brookview Community Office location, the banking office at this location will be closed until further notice. We are still dedicated to serving the banking needs of the Menno Haven community and welcome residents and employees at other F&M Trust locations nearby.

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