Company: FMFG
Filing Date: 2025-05-23
Form Type: S-1
Source: 0001437749-25-018314
Chunk: 24

Company: Farmers & Merchants Bancshares, Inc.
Filing Date: 2025-05-23
Form: S-1
Chunk 24
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 interpret and regulate the Plan as we deem necessary or desirable in connection with the operation of the Plan.

| 30. | Can the Company temporarily curtail or suspend purchases of common stock under the Plan? |

Yes. We may temporary curtail or suspend purchases of common stock at any time if such purchases would in our judgment contravene, or be restricted by, applicable regulations, interpretations or orders of the Federal Reserve, any other governmental commission, agency or instrumentality, any court, securities exchange or other self-regulatory organization. Neither we nor the Administrator will be accountable, or otherwise liable, for failure to make purchases of sales at such times and under such circumstances.

| 31. | How can I contact the Administrator regarding questions and other matters? |

Questions regarding enrollment in the Plan, changes in participation, sales of shares held in a Plan account, and other transactions or services offered pursuant to the Plan should be directed to the Administrator:

- Through the Internet

You can obtain information and take certain other actions regarding your account by visiting the .

- By Telephone

You may direct your questions and sale requests to shareowner customer service at its toll-free number (within the United States and Canada) at 800-468-9716. Please have your account number and the name(s) in which your shares are titled available for the customer service representative.

- In Writing

You may also send questions and sale requests to the Administrator at the following address:

EQ Shareowner Services

P.O. Box 64874

St. Paul, MN 55164-0874

Be sure to include your name, address, daytime phone number, the name(s) in which your shares are titled and a reference to Farmers and Merchants Bancshares, Inc. on all correspondence.

<div align='center'>PLAN OF DISTRIBUTION</div>

The shares of common stock that participants acquire under the Plan will be newly issued shares sold directly by us through the Plan. As stated elsewhere in this Plan, you will not pay any brokerage fees or commissions for shares purchased under the Plan.

Persons who acquire shares of our common stock through the Plan and resell them shortly after acquiring them, including coverage of short positions, under certain circumstances may be participating in a distribution of securities that would require compliance with Regulation M under the Exchange Act and may be considered to be underwriters within the meaning of the Securities Act. We will not extend to any such person any rights or privileges other than those to which he, she or it would be entitled as a participant, nor will