To our clients, friends and partners,

I thought it important that you hear from us during this challenging pandemic. I want you to know that Farmers & Stockmens Bank is prepared to provide our clients exceptional service regardless of the many headwinds our communities may face due to the coronavirus. Well in advance of the current crisis, we planned for and invested in redundant work sites, systems, and emergency planning capabilities. Should the pandemic require an alternate work environment for a period of time, we will communicate this to you, but you should feel very little, if any change in the services you’ve come to expect from Farmers & Stockmens Bank.

We will get through this together, and our company remains excited about the opportunities ahead. We look forward to our Centennial celebrations throughout the year and will continue to expand our bank offerings. As our country and communities work through the current challenges of coronavirus, please don’t hesitate to call your relationship manager within Farmers & Stockmens Bank, or me, should you have questions about our service capabilities or approach to this virus. We wish you and your families good health and much success ahead.

Best Regards,

Larry R. Fluhman