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No Closing Cost Thru April 15 Thanks to recent federal legislation, you am now deduct all the interest paid on home equity loans of $100,000 or less.* And with the government rapidly reducing the deductibility of other types of loans, a home equity 1< >an makes even more sense. Use the money for a vacation. An addition to the house. A mountain cabin. Anything you’ve dreamed (>f. The interest rate you pay is lower than most other personal loans - just 1 V/Zc above our commercial business rate. The rate, as you may know, can change from month to month. Just stop by any of our locations and ask for an application. A home equity loan ^ from Farmers ;md Merchants will not only help finance your dreams - it can make your taxes less taxing. Farmers and Merchants National Bank Member fdic MAIN OFFICE WINCHESTER VIRGINIA BERRYVILLE • FLINT HILL • FRONT ROYAL • MIDDLETOWN • MOUNT JACKSON • NEW MARKET • STEPHENS CITY • WOODSTOCK APPLE COUNTRY’S HOME GROWN BANK LENDER • Loan amount must not exited fair market value of the house minus the hr-l mortRaRe balance. If you refinanced your hrsl mortRURe after (Ktober Li. 19H7, certain restrictions apply Contact your lax advisor

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