Quarterly Newsletter

Business Spotlight
Shine-A-Light On Autism promotes fun, familyoriented, community activities that encourage fitness, which is a natural platform for Rodenbaugh, who is the wellness director at the Hannibal YMCA. Earlier this month the group hosted its second Shine-A-Light On Autism Challenge, which requires participants to take on the daunting steps between Hannibals Tom and Huck statue and the lighthouse perched on the bluff above. Each step of the near vertical climb represents the challenges children with autism and other special needs deal with just to get through each day. Shine-A-Light On Autism is something that F&M Bank believes in. Bank President, Stevens Plowman volunteered at the Challenge last year and the bank offers its facilities for other major Shine-A-Light on Autism fundraisers. This includes providing parking in the banks downtown lot during National Tom Sawyer Days. All the funds raised over those four days are used to benefit local special needs kids. Rodenbaugh said the banks support has been phenomenal. She reiterated that all proceeds from any fundraiser or donations go directly to benefit the children who need it. I want to have fun with my kid. Thats what every parent wants, Rodenbaugh said. She notes there are few recreational activities families with autistic children can be part of. Often these children cant control their frustration with the world they live in. There can be outbursts that are often frowned upon by those who dont understand the situation. You dont want to have to explain. People dont realize normal living skills become a challenge, Rodenbaugh said. Unless you live in their world, you dont understand. For more information about Shine-A-Light On Autism, go to the groups website at www.shinealightonautism.com. You can also contact Marlene at (573) 406-4059 or by e-mail at shinealightonautism@yahoo.com.
Account Information 1.800.606.6414 MO Toll Free 1.877.221.6424 www.bankfm.com

Fall 2011
volume 5 | issue 1
Business Spotlight: Shine-A-Light on Autism New Service: e-Business Deposit Hard Choices Will Have to be Made Your Money Matters: Living Trusts Made Practical New Loan Department Team Leader Benefits of a Corporate Wellness Program St. Louis Branch Announces New Senior Vice President

Shine-A-Light On Autism
Autisms challenges are daunting for the children who face them every day. They struggle to deal with the day-to-day activities most people take for granted like washing hands before a meal, moving from one location to another, or a family outing to a store or restaurant. Learning to handle each situation takes hard work on the part of the child, their family, and a community. Shine-A-Light On Autism is a local group organized by Marlene and Macy Rodenbaugh, whose son Jack deals with the effects of autism. The organization, which is seeking non-profit status, is a great way to raise awareness about autism, a condition that is affecting more and more children. The group also raises funds for school district educational programs and other efforts, such as the Right To Play all access playground. This playground would benefit all children, but especially those with special needs. Theres nothing we wont do for special needs kids. My heart melts for these kids. You never can do enough, Marlene Rodenbaugh said. The organization is Gods way of setting up an opportunity that allows the community to be part of helping these kids, too.
Hannibal, MO 505 Broadway 3912 Market Street Highway 61 North Monroe City, MO OFallon, MO Palmyra, MO Shelbina, MO

Springfield, MO St. Louis, MO Quincy, IL

F&M e-Business Deposit

What is F &M e-Business Deposit? In its most simple terms, this is a service which allows you, the business customer, to scan checks and transmit the scanned images to the bank for posting and clearing. All of this is done from the comfort and security of your own office. The basic requirements for this service currently include a PC, an internet connection, and a check scanner. Checks you receive at your business location can be scanned to create a digital deposit. This digital deposit is then transmitted over an encrypted internet connection to the bank. We then accept the deposit, post the deposit to your account, and then assign availability based upon your availability schedule. E-Business Deposit often has different names depending upon how the service is applied within a particular environment. These names include Corporate Capture, Merchant Capture, Image Deposits, Image Cash Letters, etc. In general, we see the term Remote Deposit Capture being increasingly used as the catch-all phrase for a family of related products and services. Each of these service family members are related in one common way: It allows for checks to be truncated and then cleared electronically. Why take advantage of this new program? One of the biggest advantages of this program is the elimination of the need for the checks to be transported to the bank for deposit. You can make the check deposits from your office saving fuel costs and time. In addition, the daily cutoff time for making a deposit is extended. The normal cutoff for making a deposit at the bank is 4:00 pm. With e-Business Deposit, you can deposit checks until 6:00 pm. This in turn can give you faster availability to your funds! This program is especially beneficial to those customers that utilize the night depository to make deposits. In many cases this gives you access to your funds a day sooner than making a night deposit. What equipment do I need? Costs? You simply need a PC, Internet Connection, and a check scanner. The bank will purchase the scanner on your behalf and pass the cost on to you (normally between $150 and $500 depending on the scanner speed). There are no other costs for the first year, after that the cost is $50 per month. A bank employee will visit your office, setup the equipment, and train your staff. All of this can take as little as 2 weeks. How do I get started or get more information? You can simply call Carl Watson at 573-221-6425 x 380 or email him at cwatson@bankfm.com to get started.

From The President: Hard Choices Will Have To Be Made

By Stevens Plowman, President/CEO

I have been lending money to credit worthy borrowers for about 30 years. I have never extended unsecured credit to anyone knowing they were going to take that money and make interest payments to another lender. That in and of itself, in my humble opinion, is not an AAA credit worthy borrower. If you walk in the doors of F&M Bank and have to borrow money to make payments on other loans, you are definitely not a high-quality credit worthy customer. We now have a national total federal public debt of over $14 Trillion, and by most measurements that is 90% of our total Gross Domestic Product (GDP). Of that debt some 50% is owned by foreign interest. It is not the actual numbers that are so scary - it is the trend of those numbers. Ten years ago the total public debt was 58% of our GDP. We have not yet reached the financial abyss. Even with the minimum action Congress took to raise the debt ceiling we are still moving toward national bankruptcy. At this rate it is probably ten or more years out there. But financial disaster is much closer than all those smart people in Washington DC realize. Financial confidences that can

take a lifetime to build can be lost overnight. As a nation, we do not have to reach actual financial bankruptcy to put our nation in jeopardy. If we lose the confidences of the world and they stop buying our US Treasury debt, we can have financial run on our debt immediately. Remember foreign interests currently own 50% of our debt. I dont know the answer, but in a nation where no vested group of our population wants to make a sacrifice and only wants a different vested group of our population to make a sacrifice, there will be no happy ending. I do know we have to quit spending money we dont have, and we have to pay for what weve already spent.

Your Money Matters:

By John Stadsvold, CTFA Senior Vice President & Trust Officer and Karen Sutor, CTFA, Vice President & Trust Officer

Living Trusts Made Practical

The most important long-term financial planning issues for most families are investment management and wealth preservation. No type of asset-management account is better at addressing these issues, or more versatile, than a trust. Thats why people from so many different walks of life have decided to take advantage of our trust services. Some trusts save taxes, others do not. But every trust is individually tailored to meet the requirements of the family that it serves. To illustrate the personalized nature of our trust services, here are two true to-life examples. (Of course, because all information related to our trust clients is held in strict confidence, all names and details have been fictionalized.) Lifetime financial management Ann A. was in her mid 50s when she set up her living trust following a diagnosis of multiple sclerosis (MS). She wanted a low-risk investment program and freedom to travel with friends and visit her children around the country. In her living trust agreement, Ann instructs us to provide full personal financial management services if she should become incapacitated by her MS. Fortunately, that hasnt been necessary. Ann has arranged to simplify her life by having her monthly bills and quarterly taxes paid from her trust. Portfolio management Don D. first placed his investment funds in our care because his career left him no time for picking stocks or evaluating bond quality. Don chose to use a living trust for asset management. We developed an asset allocation plan for Dons trust that matched his goals and risk tolerances, and then put the plan to work. Don made his life insurance, including the coverage that his employer provided, payable to the trust. Had anything happened to him, our job as trustee would have been to invest the insurance proceeds and manage the augmented trust for the benefit of Dons wife and children. Today Dons trust has grown into a living estate plan a program that will ensure both Don and his wife a lifetime of financial security as it defers all federal estate taxes until the survivors death. How can we help you? These brief sketches only scratch the surface of the ways our trust department can help families build and maintain their financial security. If you would like to learn more about how a trust might help you get away from money management worries, contact John Stadsvold or Karen Sutor. John or Karen will be glad to talk things over with you and answer your questions.
Investments are not insured by the FDIC; are not deposits or other obligations of F&M Bank and Trust Company and are not guaranteed by the Bank or its affiliates; and are subject to investment risks, including possible loss of the principal invested.

Nicki Thomure New Loan Administration Department Team Leader

Nicki Thomure is the new team leader for Loan Administration. Nicki has 10 years of banking experience, starting her career at MCM Savings Bank in 2001 in the loan department. She has held many positions within the loan department such as underwriting, closings, servicing, and selling of loans. She is also a teller on Saturdays at the North Branch located in Hannibal. Nickis team of five are responsible for the administration and servicing of commercial,

residential, and consumer loans. Volunteering and giving back is very important to Nicki. Participating in the F&M Bank Heart Walk and Relay for Life are among her favorites. She is also active in various committees within the bank including Adopt a Family, Christmas party planning, and picnic planning. Nicki and Stephen have been married for 10 years. She enjoys spending time with her children and is very active member in her local church.

Benefits of a Corporate Wellness Program

By Susan Wathen, SPHR
Corporate wellness programs are receiving increased attention as a workplace risk strategy as employers are becoming more aware that excessive weight gain/obesity, lack of physical activity, and tobacco are adversely affecting the health and productivity of their employees, and ultimately the business bottom line. Study after study conducted in recent years show that there is a direct link between employee health risk factors and an employers health care costs. These studies also conclude that there is a direct link between these factors and employee productivity. In addition, these studies show that American companies collectively spend billions of dollars each year on employee health problems tied to physical inactivity, obesity, smoking, poor nutrition, stress, diabetes, and other risk factors. A recent survey indicated that 70 percent of organizations surveyed plan to make health-promoting changes in their work environment by 2012. Some of the strategies being used by successful companies include encouraging physical activity by offering or subsidizing fitness classes, opening on-site exercise areas, and providing education on the benefits of physical activity. Poor nutrition is being addressed by offering lunch n learn programs educating employees on healthy nutritional choices and improving the choices in company vending machines. In addition, corporate wellness programs are gaining momentum. Today, more than 80 percent of Americas businesses with 50 or more employees offer some form of employee wellness program. Various forms of incentives are being used to improve participation and effectiveness of those programs. It is important to note that if a company ties its wellness program to

F&M employees prepare for a kettle bell fitness class to promote wellness.

its health insurance plan HIPAA Nondiscrimination rules will apply. F&M Bank and Trust Company offers a variety of wellness programs and incentives to its employees with participation. Enthusiasm has increased during the past couple of years. Tangible goals are set based on voluntary Health Risk Assessments completed by employees. Resources are invested in activities to educate employees and improve risk factors, and incentives are in place for employees who choose to make healthy lifestyle choices. Creating a truly effective wellness culture can extend beyond the walls of the employer. Engaged employees are able to take their new knowledge home to their families and into their communities. Businesses that invest in these types of wellness initiatives are well on their way toward a healthier workforce and bottom line.
F&M employees, Judy Dewey & Linda Flesner participate in the Hannibal Cannibal walk/run.

St. Louis Branch Announces New Senior Vice President of Mortgage Operation
F&M Bank and Trust is proud to announce that Eve Janis has been promoted to Senior Vice President of Mortgage Operations. Eve has been in the mortgage business since 1986. She began as a loan processor and worked in various positions as an underwriter, processing manager, government branch manager and operations manger. She has been in management for 17 years, and has been with the Gorman & Gorman division of F&M Bank since June of 2011. Eves current responsibilities include internal management of the mortgage division. She is the current president of the National Association of Professional Woman (NAPW) for the St. Louis region and is also currently the Secretary of the Mortgage Bankers Association (MBA) located in St. Louis. Eve and her husband, Mike, have 4 children.

Board of Directors: Donald M. Bastian Michael Bukstein, M.D. William H. Craigmiles Tom R. Dorsey, D.V.M. Alvin (Spike) Ehrhardt Mark Gorman Charles Hickman Jack Martin Stevens Plowman Paul Richards Phillip Smith Gordon Spilker