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Securely and easily manage your accounts 24/7. Farmers &Merchants Bank’s mobile banking app offers the following tools atyour fingertips: Manage Your Account • Transfer funds betweeneligible accounts and financial institutions • Send money tofriends and family • Pay bills such as your car payment, servicesor utilities • Deposit checks using your phone’s camera1 • Viewaccounts • Search transactions • Stop payments (fees apply) •Review statements Manage Your Business • Real-time online activityreports • Wire and ACH routing number validation • Real-timeincoming/outgoing wire activity reporting • Expanded selection ofsecurity alerts • Increased control over user access rights (e.g.create roles, unlock users, etc.) • Advanced information reportingCustomize Settings • Group/Sort Accounts • Add Account Nicknames •Enable Touch ID®3 or four-digit PIN • Change login/password •Enable text banking2 • Opt in to receive Account Alerts • Updatecontact information Contact Us • Find an F&M Office or ATM •Contact the Client Care Center at (866) 437-0011 • Send securemessages • Report a debit or credit card lost or stolen. SecurityThe security of F&M Bank’s clients is our #1 concern. F&MMobile Banking utilizes best practice security services such asHTTPS, TLS encryption, PIN or password access, biometrics, andapplication time-out when your mobile phone or device is not inuse. Only the phones that you personally enroll in the service canaccess your accounts. No account data is ever stored on your phone,including check images for Mobile Check Deposit. You can alsocommunicate with F&M Bank through our secure Message Center. 1Availability of your deposited funds is based on F&M's holdpolicies, are subject to verification and are not available forimmediate withdrawal. Certain eligibility requirements, limitationsand restrictions may apply. Some features of FMB-Mobile areavailable for eligible clients and accounts only. 2 F&M Bankdoes not charge for these services, however, your wireless carriermay charge you for fees related to this service. 3Touch ID® is atrademark of Apple Inc., registered in the U.S. and othercountries. Farmers & Merchants Bank is a Member FDIC and anEqual Housing Lender.

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*Main function guide GCOOP strives to connect people on a localandglobal level in order to facilitate mutual growth andpartnership.In addition to these principles GCOOP also maintainscore values ofrespect, positivity, communication and integrity aspart of thebusiness philosophy. GCOOP and GCOOPERS partner tocreate growthand success. *Provided function Mobile Shop: Order andPayment,Shipping History, Returns, Exchanges and Address ChangesMyOffice:Check Personal Performance and Manage Downline, AccesstoInformation Essential for Business Customer Service: 1:1InquiryBoard, Announcements/Notifications PUSHNotifications:Notifications, Personal Messages, Order ConfirmationMessages*Required Authorization Storage: Check device storagesettingsCamera: Attach photos or upload documents. Device ID:Provides PUSHNotifications

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SecureSign – login and transaction signing for Credit Suisseonlineservices. An existing client relationship with Credit Suisseand avalid login for one of the supported Credit Suisse onlineservicesare required in order to use this app. SecureSign can beused forlogin and for transaction signing in the following CreditSuisseonline services: • Credit Suisse Direct • Credit SuisseDirect app• Credit Suisse PLUS • MyBonviva - Rewards Shop •eamXchange •Direct Trade Finance • my Solutions :: Advantages ofSecureSign ::• SecureSign provides a high level of security • Canbe usedeverywhere and at any time. No need for an internet ortelephoneconnection to use the SecureSign app • Offers an easyandconvenient means of logging in and confirming transactions suchaspayments, transfers, etc. :: Credit Suisse Direct:: Once youhavelogged in, you can register for the new security procedureyourselfunder "My Profile/SecureSign". :: Credit Suisse Direct App:: WithSecureSign, logging in to Mobile Banking is even faster andmoreconvenient. If you have installed Credit Suisse Direct andtheSecureSign app on the same smartphone, only a user ID andpasswordare now required to log in. After this, the SecureSign appasks youto confirm login by pressing a button. :: Legal Disclaimer:: Bydownloading/using this app, you explicitly agree to the datayouprovide to Google Inc. and/or Google Play Store (""Google"")beingcollected, transferred, made available, and processed in anyothermanner in accordance with Google's Terms and Conditions. Thismanyenable Google and other third parties to infer the existence ofacurrent, past or future business relationship between youandCredit Suisse Group AG and/or one of its Group companies(""CreditSuisse""). Credit Suisse cannot be held liable in thisregard.Google's Terms of Use and Privacy Policy, to which youagree, mustbe differentiated from Credit Suisse Legal Terms andConditions.Google Inc. is a company that is independent from CreditSuisse.Credit Suisse is not liable for Google Inc. or Google PlayStore.

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