F&M BANK

Banking and financing services; Banking consultation; Banking services, namely, the provision of personal and business accounts, namely, checking accounts, savings accounts, and money markets; Banking services featuring the provision of certificates of deposit, Individual Retirement Accounts, direct deposit, payroll tax debiting services, ATM services, debit card services, pre-paid debit/gift card services, credit card services, traveler's checks, online banking, mobile banking, telephone banking, fund transfer services, bill pay, wire transfers, automated clearing house (ACH) services, remote deposit services, safe and lockbox services, namely, safe deposit box services; Foreign currency exchange services; Merchant banking services; Tax payment processing services; Loan financing, namely, providing home loans, business loans, escrow services, loan modification services, lines of credit, commercial real estate loans, construction loans, refinance loans, small business administration loans, personal loans; and providing financial investment advice

Fraud alert services, namely, providing real-time fraud alert and fraud detection services in the fields of online banking and financial management; Real-time fraud text alert services, namely, monitoring consumer debit and credit card transactions for unusual transactions and providing an alert therein; Notary public services; Business concierge services for others comprising making requested personal arrangements and reservations and providing customer-specific information to meet individual needs rendered together in a business complex