Put Your Home's Equity to Work for You

The money you need for home improvements, debt consolidation, college tuition, or a once-in-a-lifetime vacation is waiting for you - and it's in your house. A Home Equity Line of Credit from Farmers & Merchants Bank & Trust is a way to unlock those dollars as you need them.

Our unique automatic rollover feature allows you to make draws for the first three years and then automatically rollover into a repayment period without the hassle and cost of refinancing. With no annual maintenance fees, access cash at any time by contacting us by phone, stopping at one of our branch locations, or transferring to your FMBT checking or savings account using any of our convenient eBanking services.

Features & Benefits:

• Use the available balance again and again for the first three years while making interest-only payments (or more if you wish)
• No annual fee
• Access funds at any time by transferring to a checking or savings account through our convenient eBanking services
• After the first three years, the outstanding balance automatically rolls over to a 10-year principal-and-interest repayment period - no balloon payment, no additional closing costs, and no refinancing necessary!
• No prepayment penalty

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