For the quarter ending September 30, 2009, F&M Trust has been awarded The VERIBANC Blue Ribbon Bank® Commendation of Excellence - - - the country's oldest formal recognition of banks which have met exceptionally high standards. F&M Trust has maintained this designation for more than 12 consecutive quarters.

Based on Federal Reserve Board data and other criteria, this designation is accorded to those institutions that demonstrate exceptional attention to safety, soundness and financial strength. For a bank to qualify for the Blue Ribbon, it must receive VERIBANC’s highest rating in their eight level rating system, and it must satisfy additional safety related criteria.

Please contact VERIBANC at 800-442-2657 to determine if this is the most recent rating. Visit VERIBANC's Blue Ribbon Bank commendation and bank rating system for more information.