COMMUNITY REINVESTMENT ACT NOTICE

Under the federal Community Reinvestment Act (CRA), the Federal Reserve Regulatory Agencies Comptroller of the Currency evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The Regulatory Agencies also take this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the Comptroller of the Currency; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.

At least 30 days before the beginning of each quarter, the Comptroller of the Currency publishes a list of our banks that are scheduled for CRA examinations by the Comptroller of the Currency. You may send written comments about our performance in helping to meet community credit needs to Linda Janssen, Executive Vice President of Farmers-Merchants National Bank, 101 N. Taft St., Paxton, IL 60957 and Deputy Comptroller, Comptroller of the Currency, Central District Office, Suite 2700, 400 S. LaSalle Street, Chicago, IL 60605-1073. Your letter, together with any responses by us, will be considered by the Comptroller of the Currency in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the Comptroller of the Currency. You may also request from the Comptroller of the Currency an announcement of our applications covered by the CRA filed with the Comptroller of the Currency. We are an affiliate of FM Bancorp, Inc., our bank holding company. You may request from Application Officer, Federal Reserve Bank of Chicago, 230 S. LaSalle Street, Chicago, IL 60604-0834, an announcement of applications covered by the CRA filed by bank holding companies.





Farmers-Merchants National Bank Disclosures


Photographs by Larry Kanfer Photography, www.kanfer.com