| At F&M Trust, we know that running a business is complex. If your business is like many others, you may sponsor an existing retirement plan, and you may have neither the time nor expertise to meet all the fiduciary requirements - one of which involves having your plan routinely evaluated by an independent party. F&M Trust can help. • We can help you with plan consulting and design. • We can assist you with on-going plan management and administration. • We can educate your employees and serve as your plan’s fiduciary and trustee. If your plan hasn’t been reviewed lately, we can walk through the details together to ensure that your current plan is performing well. In addition to fulfilling a fiduciary duty, having your plan reviewed can help you understand your plan’s fees and options, and help you decide whether or not there is a need for an adjustment. Adjustments could include improving the design or processes within your current plan or transitioning to a new provider that better meets your, and your employees’, needs. An effective retirement plan that your employees understand can be a powerful tool for retaining quality employees and recruiting new talent. Explore the benefits of starting up a plan or schedule a comprehensive review of your current plan at no cost or obligation. Please give Chris Moore a call at 717.262.7533 or visit us online at fmtrust.bank. | 