F&M Bank Gold Crest customer program.

• Position: ABAMN 2007 Financial Marketing Awards: Customer Retention Marketing, First Place, Asset Size $500 Million to $1 Billion

[ILLUSTRATION OMITTED]

Institution: F & M Bank, Clarksville, Tenn.

Agency: BLF Marketing

This program was created to retain and cross-sell the bank's most profitable customers and attract "move-up" clients by deepening wallet share. The program was designed to be both measurable and sustainable.

Components of the program include a three-times-yearly variable data direct mailer with tailored offers for individual clients, customer service representative sales sheets, tie-in business banking collateral, customer gift and client servicing...