FMB vs Owesum

Securely and easily manage your accounts 24/7. With a streamlined login, custom interface, and long list of advanced features, Farmers & Merchants Bank makes banking on-the-go as simple as possible. Key Features • View real-time online activity • Check balances, transfer funds, and pay bills • Manage multiple accounts • Deposit checks and immediately view images1,2 • Place stop payments (fees apply) • View eStatements and eNotices • Set up email and text alerts1 Manage Your Personal Accounts • Send money with Zelle®3 • Access your credit score with Savvy Money • Track finances using Personal Financial Management (PFM) tools upon enrollment • Transfer funds to other financial institutions Manage Your Business Accounts • Real-time online activity reports • Manage users and their roles and permissions • Manage recipients and subsidiaries • Transfer funds between eligible accounts and financial institutions • Utilize the information reporting tool • Generate reports • Approve transactions • Upload ACH files • Pay bills and taxes • Process wire transfers and ACH transactions Customize Settings • Group/Sort Accounts • Add Account Nicknames • Enable Touch ID®4, Face ID®4 or four-digit PIN • Change login/password • Enable text banking1 • Customize Account Alerts1 • Update contact information Contact Us • Find an F&M Office or ATM • Contact the F&M Client Care Center at (866) 437-0011 • Send secure messages • Report a debit or credit card lost or stolen. Security Farmers & Merchants Bank uses best-in-class security services such as HTTPS, TLS encryption, PIN or password access, biometrics and application time-out when devices are not in use. Only devices that you personally enroll in the service can access account information. None of this information is ever stored on the devices, including check images. If the devices are lost or stolen, you can disable service through F&M Online Banking or by calling (866) 437-0011. Terms, Conditions and Limitations may apply. 1. F&M Bank does not charge for these services, however, your wireless carrier may charge you for fees related to this service. 2. Availability of your deposited funds is based on F&M's hold policies, are subject to verification and are not available for immediate withdrawal. 3. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 4. Touch ID® and Face ID® are trademarks of Apple Inc., registered in the U.S. and other countries. Certain eligibility requirements, limitations, restrictions and other terms and conditions may apply. Some features of FMB-Mobile are available for eligible clients and accounts only. Farmers & Merchants Bank is a Member FDIC and an Equal Housing Lender.

Owesum is a tip calculator and bill splitter for dining out. Scan the receipt or type it in, see any service fee or included gratuity up front, tip on the pre-tax subtotal whenever the bill shows one, and split the total evenly across your party. No accounts. No sign-ups. Your receipt images aren't uploaded, and your bill data stays on your device — you decide if and when to share a summary. WHAT OWESUM DOES • Tip on the subtotal — when the bill provides a pre-tax subtotal, Owesum keeps tax out of the percentage base. If a scan finds only a charged amount, you confirm how to treat it before continuing. A heads-up flags a tip that looks unusually high. • Catch service fees and included tips — a bill that already carries a service fee or auto-gratuity starts at 0% extra tip, so you can see what's already included before deciding whether to add more. • Split the bill — divide the total evenly across your party, with each person's share rounded to the cent so the numbers always add up. • Scan the receipt — on-device scanning looks for the subtotal, tax, fees, and total and fills them in for your review. You confirm every number before anything is split. • Enter it your way — typing in the bill is fast and always works. • Keep a history — recent bills are saved on your device so you can look back anytime. • Share the breakdown — send a clean summary of who owes what through your phone's share sheet. WORKS WITHOUT INTERNET Poor reception at the table? Scan your receipt, review the numbers, calculate your tip, and split the bill offline. Receipt recognition and calculations run on your phone, with no internet connection required. BUILT FOR PRIVACY Receipt scanning uses on-device text recognition, so your images are never uploaded, and your bills, splits, and history are kept in local storage on your phone. There's no account to create and no name or email to provide. (Owesum is free, supported by ads, and uses limited analytics and crash reporting to improve — see our privacy policy for details.) Whether it's dinner for two or a group tab with a service fee on it, Owesum takes the math off your plate.