Introducing Financial Health Suite: Your All-in-One Money and Identity Protection Tool

At F&M Bank, we believe in constantly evolving our products and services to better serve our customers and strengthen our community in the Shenandoah Valley. We’re more than just a place to store your money—we’re your trusted financial partner, always looking for ways to help you manage your finances with confidence and security. That’s why we’re excited to introduce Financial Health Suite, a powerful set of tools designed to help you monitor your credit score, protect your identity, and oversee your subscriptions—all from one convenient location.

What You Get with Financial Health Suite

Imagine having full control over your financial well-being without juggling multiple apps or services. With Financial Health Suite, you can now access these features directly through F&M Bank at no cost:

· Credit Score Monitoring – Keep an eye on your VantageScore® 3.0 and track changes over time to stay informed about your financial standing.

· Dark Web Monitoring – We scan thousands of suspected fraud websites for any signs of your personal information, including your name, address, email, and more.*

· Personal Information Monitoring – See how much of your private data has been exposed on Data Broker sites in real time, giving you greater insight into your online privacy.**

· Subscription Tracking – View all your online subscriptions in one place so you know exactly where your money is going each month.

Designed for Your Financial Security and Convenience

We understand that managing your financial health is about more than just checking your balance. It’s about feeling secure, informed, and in control. We’ve made it easy and free to access these tools because we believe that financial wellness should be accessible to everyone, not just a select few.

Does your current bank offer these kinds of proactive oversight? If not, maybe it’s time to make the switch to a bank that prioritizes your financial health.

Getting Started is Easy

You can start using Financial Health Suite today by logging into your online banking or mobile app and scrolling to find the Financial Health card. In just a few taps, you’ll gain valuable insights into your credit, security, and subscriptions—all in one place.

We’re committed to bringing you the latest innovations in financial security and management, because at F&M Bank, your financial well-being is our priority.

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* Dark Web monitoring consists of searching for up to 1 Social Security number, 10 driver’s licenses, up to 10 credit and debit cards, up to 10 bank accounts, 10 passports, up to 10 phone numbers, up to 10 email addresses, up to 10 physical addresses, and 10 medical IDs. We partner with Constella Intelligence, which searches thousands of internet sites where consumer information is suspected to be bought and sold. While new sites are regularly reviewed and added to the

search, there is no guarantee that every site can be located, as some are unpublished and frequently change. Dark Web monitoring may take several days to begin and may not occur during your trial or access period.

** Data Broker site monitoring scans a select list of known data broker sites; however, we do not crawl all data broker sites, and the list of sites being scanned may change over time.