The F&M Bank & Trust Company is pleased to offer a secure, world class digital Lockbox solution that enables customers to experience a seamless transition in information, reports and check images no matter the method of processing - wholesale, retail or wholetail. Our purpose is to provide superior service and value for our customers, employees and investors through a commitment to relationships, innovation, technology and quality.

F&M continues to realize growth in its remittance solutions business, even as check payment volumes continue to decline. The integrated remittance solution allows F&M to provide customized processing with impeccable performance standards and state-of-the-art document image quality.

• F&M's lockbox locations offer Image Wholesale Lockbox. Checks, as well as accompanying documents, can be imaged before returning the information to you. Your items are available for viewing the very same day via the Internet. We can also provide remittance information on a CD-ROM.
• Through F&M's automated lockbox system, we can also provide data entry functions to expedite the posting process. You provide us with the information you need to update your receivables system and we enter that data and transmit it directly to you to update your records.
• For our clients already using an internal image workflow system, we can transmit a file with the images we processed to import into your system.

• Lockbox processing helps reduce your administrative costs, so you save on salaries/benefits, training, space and equipment.
• With F&M picking up the mail multiple times a day and ensuring same day deposit of those items, your money is available to you more quickly.
• In addition to gaining greater accuracy and reliability, you also reduce the risk of loss, theft or forgery.
• Customized searches.
• View documents online 24 hours a day.
• Browser-based application, no additional equipment.
• Printed copies on demand.
• Set employees' access rights.
• Utilizing a F&M lockbox frees valuable time and resources to post payment and receivables, as well as other important tasks allowing you to better utilize your staff.
• Lockbox processing automates and streamlines corporate finance, accounting, posting of cash to accounts receivable and customer service operations.

• Password protected
• 128-bit encryption
• Data back-ups
• Secure within your company's infrastructure

• Off-site document storage through the Internet
• Get your business up and running quickly after unexpected disasters