Farmers & Merchants Bank’s eNews
May 2013
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The Latest News and Community Events

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F&M Bonus Rewards

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Keep Young Buyers in Mind When Selling Your Home
Contact our local affiliate, VBS Mortgage, for your purchasing and refinancing needs!

Photo: Keep Young Buyers in Mind When Selling Your Home In recent years, mistrust of the housing market and difficulty finding secure employment caused many young families and new college graduates to delay purchasing a first home.

Time for New Beginnings
Wedding season is upon us

"Here's to the prettiest, here's to the wittiest,
Here's to the truest of all who are true,
Here's to the neatest one, here's to the sweetest one,
Here's to them, all in one - here's to you."
It is that time of year! Are you planning your wedding and can't decide what to add to your registry? Or maybe you have all you need in the way of bath towels and kitchen appliances. Whatever the reason, consider a New Beginnings Savings Account for your bridal registry and be on your way to realizing your dream of home ownership!


Vickie Shifflett Joins Elkton

Say hello to Elkton's newest teller!
"Go Local" Small Business Spotlight: Elkton Family Pharmacy
by Photo source:
A new feature profiling one area business each month!
Employee Spotlight
A new monthly profile of F&M employees

Aaron Green, VP, Commercial Relationship Manager & Investment Consultant.
Small Business Banking Tips from the Game of Baseball
America’s pastime on successful partnerships with financial institutions
Photo: Small Business Banking Tips from the Game of Baseball
For centuries writers have been using the game of baseball as a way to start conversations about many aspects of life, from business to the arts to relationships, and small business banking is no different. Baseball teaches us to put the right financial team on the field, develop a financial strategy, communicate effectively with our financial institution and make changes along the way.
2014 Calendar Photo Contest is Underway

This year's contest allows you to be a judge!
Your money. Your community. Your estate planning seminar.
We cordially invite you to attend our free Estate Planning Seminar at the Holiday Inn in Harrisonburg.

This seminar will take you through estate planning basics including the benefits of a trust, wills, wealth transfers, estate taxes, Medicaid, medical directives, power of attorney (POA), long-term care planning, and other topics related to estate planning.
Only Two Shred Days Left this Spring!

Protect yourself from identity theft and bring your old documents by a nearby branch for free shredding with Cintas.
Born Learning Trail Grand Opening
Interactive fun and learning for children and their caretakers
by Photo source:
Plains Elementary students at the Born Learning ribbon cutting
The United Way, area sponsors, and Plains Elementary students enjoyed a beautiful day for the ribbon cutting event at Heritage Park in Broadway.
SNL Financial Shareholder Materials and Event Listings

Visit our SNL Financial microsite for current stock prices and upcoming events.
Top Tools for Online Banking
Keep an eye out for our new website and iPad app coming soon!

Photo: Top Tools for Online Banking When it comes to managing your money, there’s nothing that simplifies your finances like online banking. There are a host of helpful, convenient and time-saving features that are available when you make the switch to banking online. If you’ve found yourself hesitating to join the online banking trend, consider these great features and you’ll wonder why you didn’t start sooner.

Trivia Question of the Month

Be the first person to post this question and the correct answer on our Facebook page to win a free gift!

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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.

April 2013
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