West Virginia Code § 31A-5-3

Extension of bank services to competing banking institutions and
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associations.
Whenever a state bank or a national banking association applies for bank services for itself
(hereinafter referred to in this section as "an applying bank") from a bank service
corporation which supplies the same type of bank services to one or more other state banks
or national banking associations, or both, and the applying bank is competiteive with any
state bank or national banking association which holds stock in such corporation (referred to
in this section as a "stockholding bank"), the corporation must offer to rsupply such services
by either:
(a) Issuing stock to the applying bank and furnishing bank services to it on the same basis as
to the stockholding banks, or t
(b) Furnishing bank services to the applying bank at rates no higher than necessary to
reflect fairly the cost of such services, including the reasonable cost of the capital provided
to the corporation by the stockholding banks, at thle corporation's option, unless comparable
services at competitive overall costs are availasble to the applying bank from another source,
or unless the furnishing of the services sought by the applying bank would be beyond the
practical capacity of the bank service corporation. In any action or proceeding to enforce the
duty imposed by this section or for dgamages for the breach thereof, the burden shall be upon
the bank service corporation to show the availability of such comparable services or that the
furnishing of such services woeuld be beyond the practical capacity of the bank service
corporation.

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