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* Four Points Financial is the marketing name for investment services provided at Farmers & Merchants Bank & Trust. (F&M Bank & Trust) Non-deposit investment products and services are offered through Sorrento Pacific Financial, LLC (“SPF”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor.  Products offered through SPF are not FDIC or otherwise federally insured, are not guarantees or obligations of the bank, and may involve investment risk including possible loss of principal. Investment Representatives are registered through SPF. F&M Bank & Trust has contracted with SPF to make non-deposit investment products and services available to bank customers.