F&M BANK

Banking services, namely, installment, commercial, consumer, and real estate lending and financing; mortgage lending and financing services; debit card services; electronic fund transfer services; electronic interactive banking services, namely, bill payment services, account balancing and fund transfer services, account access services, account alerts services featuring electronic alerts that alert bank customers when an event occurs; cash management services; banking services, namely, checking accounts, business checking accounts, savings and money market accounts, savings bank services, CD and IRA accounts, remote deposit capture, escrow account services, safe deposit box services; automatic teller machine banking services, telephone banking, corporate and consumer credit cards; underwriting credit life policies in connection with credit transactions with bank customers