The F & M Bank & Trust Company

OLD BRAND. NEW BREED.

Banking; banking consultation; investment banking services; issuance of bank checks; mortgage banking; mortgage banking services, namely, origination, acquisition, servicing, securitization and brokerage of mortgage loans; on-line banking services; financial analysis and consultation; financial due diligence; financial evaluation for insurance purposes; financial exchange; financial forecasting; financial guarantee and surety; financial information in the nature of rates of exchange; financial information provided by electronic means; financial information processing; financial loan consultation financial management; financial planning; financial planning consultation; financial portfolio management; financial research; financial risk management; financial services in the nature of an investment security; financial services in the field of money lending; financial services, namely providing on-line stored value accounts in an electronic environment; financial services, namely, investment fund transfer and transaction services; financial services, namely assisting others with the completion of financial transactions for stocks, bonds, securities and equities; financial services, namely, issuance and management of certificates backed by loan portfolios which are subsequently managed to insure the integrity of the certificates; financial services, namely, a total portfolio offering for high net worth clients consisting of both separate accounts and mutual funds for equity and fixed income investments; financial services, namely, savings programs for youths; financial services, namely, the purchase of residential mortgages on behalf of others and the issuance of mortgage-backed securities; financial trust operations; financial valuation of personal property and real estate; providing on-line financial calculators; estate trust management; trust management account; trust services, namely, investment and trust company services;