HealthGuard^® Certificates of Deposit

Investors whose health concerns make them hesitant to buy certificates of deposit can purchase HealthGuard^® Certificates of Deposit at First Farmers & Merchants Bank.

HealthGuard^® CD's allow investors to withdraw funds without interest penalty in the event of a medical emergency.

Features:

• Depositors are insured by the Federal Deposit Insurance Corporation up to $100,000.
• HealthGuard^® rates are identical to regular bank CD rates.
• The bank reserves the right to require proof of illness.
• Penalty may be imposed for withdrawals in the first six days.