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Natural 1s

If you roll a natural 1 on your first attack roll of a round, you must succeed at a DC 15 Reflex save or fumble.

Limitations
'Named' creatures cannot fumble more than once during a given encounter, and further 1s are simply misses.
Local Games
On a fumble, you must draw a card from the Critical Fumble deck. Otherwise, you are subject to an attack of opportunity from your target.
PbP Games
On a fumble, you will typically provoke an attack of opportunity from your intended target unless the action causing the fumble might be better represented by falling prone or some other similar mishap.