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The clipping this text was read from

whichever is higher - is automatically deducted from your checking account. Apply For F&M’s Value Line Of • fataoniCudit. It’s easy. All you have to do is fill out an F&M Value Line application. 'Hiere are three ways to get one: call your nearest'Farmers & Merchants branch; go by our nearest branch; or fill out the coupon below and mail it to us.

F&M’s Value Line - putting the equity in your home to work for you conveniently, whenever and wherever you need it.

Value line

Farmers and Merchants

National Bank Member fdic

BERRYV1LLE • FLINT HILL • FRONT ROYAL • MIDDLETOWN STEPHENS CITY • MAIN OFFICE - WINCHESTER. VIRGINIA APPLE COUNTRY’S HOME GROWN BANK

78.6%