HomeTown Bank Customer WELCOME GUIDE · BRANCHES & CONTACT INFO 3 branches/contact VIRGINIA NORTH...

HomeTown Bank Customer Bigger.Better.Stronger.Together.

CONVERSION CHECKLIST | ACCOUNT INFORMATION | FEATURES & BENEFITS | IMPORTANT CHANGES

WELCOMEGUIDE

New options & choices

What’s new & what to expect

Welcome 1

Our Story 2

Branches/Contact 3

What to Expect 4

What to Do 5

Personal Banking 6

Checking Account Information 8

Checking Account Changes 9

Savings Account Information 10

Savings Account Changes 12

Business Banking 14

Checking Account Information 16

Checking Account Changes 17

Savings Account Information 18

Savings Account Changes 19

Additional Business Information 20

Personal & Business Lending 22

Overdraft Protection 23

Digital Banking 24

Online Banking & Bill Pay 25

Mobile Banking with Mobile Deposit 25

MyCardRules 25

Mobile Payments 26

Mobile Web and Text Banking 26

Quicken and QuickBooks Integration 26

Additional Information 27

Debit Cards 27

Safe Deposit Boxes 27

FDIC Insurance 27

Wire Information 28

24/7 Telephone Banking 28

Personal & BusinessAccount Disclosures 29

Contact Information Inside back cover

contents

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Don't forget to use our new routing number: 051401027

Ask us about credits for your unused HomeTown Bank checks, too!

new

welcome

Jeffrey V. HaleyAmerican National Bank & Trust Company President & CEO

In many ways, HomeTown Bank

becoming American National

Bank & Trust is a huge change,

but in other ways it may be a

change that you'll barely notice.

When you stop in at your local

branch, you'll still see many of the

same smiling faces and friendly,

helpful people that you've come

to know.

You'll still experience the same level

of world-class banking you've come

to expect, too, with all the modern

conveniences you're used to. We

hope you may even find new perks

and benefits, all backed by the

strength of a bank with more than

100 years of excellent service.

Most importantly, you'll still be part

of a bank that's deeply devoted

to making a difference in our

community. It's one of the main

things that brought HomeTown

Bank and American National

Bank & Trust together, and is a

touchstone that will continue to

drive and inspire us every day.

We believe that as a community

bank, we are only as strong as

our communities. Whether we're

lending money for a business that

creates more jobs or supporting an

area non-profit through donations

or volunteer service, we never lose

sight of our commitment to the

communities we serve.

As you read through this welcome

guide, we hope you'll see how

hard we've worked to make this

transition as smooth and easy as

possible for you. We also hope that

you'll be impressed with the new

options you'll have, and feel great

about being a part of our family.

And of course, we hope you'll feel

right at home with us, too.

So welcome to American National,

your new HomeTown Bank. We

look forward to serving you.

Welcome to American National Bank & Trust Company. We think you're going to feel right at home!

LETTER FROM THE PRESIDENT 1

SAY HELLO TO AMERICAN NATIONAL BANK & TRUST – THE NEW HOMETOWN BANK WE HOPE YOU'LL LOVE.

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our story

OUR STORY2

It sounds crazy, but that's how it was when

HomeTown Bank and American National Bank &

Trust came together. We knew early on that we had

something special and that we could help each

other grow bigger, better and stronger together.

Together we're now BIGGER and HomeTown's

footprint has expanded from 6 branches to 28.

We also now have the scale required to serve

the needs of any business or customer in our

communities. We now have a greater range of

services to better meet your financial needs, too.

But bigger isn't everything. Together we're now

BETTER as well. We've embraced each other's

experience, learned from each other and

combined the best of both of our banks. Our new,

better bank is truly the ideal combination of what

HomeTown Bank and American National Bank &

Trust do best.

Finally, coming together has made us even

STRONGER. As a combined bank, we're now one

of the largest independent community banks in

Virginia with assets of more than $2.5 billion.

That means more possibilities, more growth

and more support for the communities we love

and call home.

For us, that's what it's all about. Community.

BIGGER. BETTER. STRONGER. TOGETHER.

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Have you ever met someone and felt like you've known them forever? Someone who understands you, knows where you're coming from and everything just clicks?

BRANCHES & CONTACT INFO 3

branches/contactVIRGINIA

NORTH CAROLINABURLINGTONSouth Church Street3101 South Church StreetBurlington, NC 27215Phone: (336) 538-1600Fax: (336) 538-9925Mortgage Fax: (336) 538-9925

Cum Park Plaza2214 North Church StreetBurlington, NC 27217Phone: (336) 437-8890Fax: (336) 437-8889

GRAHAM842 South Main StreetGraham, NC 27253Phone: (336) 570-3032Fax: (336) 570-1047

GREENSBORO - NORTH CAROLINA BANKING HEADQUARTERSGreen Valley Road703 Green Valley Road, Suite 101Greensboro, NC 27408Phone: (336) 369-2777Fax: (336) 379-7752

Guilford College5509-A West Friendly Avenue, Suite 102Greensboro, NC 27410Phone: (336) 292-8082Fax: (336) 292-1113

MEBANE1008 Mebane Oaks RoadMebane, NC 27302Phone: (919) 563-1010Fax: (919) 563-0014

WINSTON-SALEM110 Oakwood Drive, Suite 520Winston-Salem, NC 27103Phone: (336) 970-5170Fax: (336) 777-1504

YANCEYVILLE173 Main StreetYanceyville, NC 27379Phone: (336) 694-4148Fax: (336) 694-7004

DANVILLE - BANK AND COMPANY HEADQUARTERSMain628 Main StreetDanville, VA 24541Phone: (434) 792-5111Fax: (434) 792-2392

Nor-Dan239 Nor-Dan DriveDanville, VA 24540Phone: (434) 773-2303Fax: (434) 836-2768

Piedmont Drive445 Mount Cross RoadDanville, VA 24540Phone: (434) 773-3321Fax: (434) 799-3368

Airport1407 South Boston RoadDanville, VA 24540Phone: (434) 773-2309Fax: (434) 799-3910

BEDFORD207 North Bridge StreetBedford, VA 24523Phone: (540) 586-0365Fax: (540) 586-2643

CHATHAM 13880 U.S. Highway 29Chatham, VA 24531Phone: (434) 432-1345Fax: (434) 432-1346

CHRISTIANSBURG2950 Market StreetChristiansburg, VA 24073(540) 391-4050

GRETNA109 North Main StreetGretna, VA 24557Phone: (434) 656-1246Fax: (434) 656-2441

LYNCHBURGGraves Mill1646 Graves Mill RoadLynchburg, VA 24502Phone: (434) 386-6300Fax: (434) 386-6316

Timberlake20479 Timberlake RoadLynchburg, VA 24502Phone: (434) 455-6530Fax: (434) 455-6536

MARTINSVILLE900 Liberty Street Martinsville, VA 24112 Phone: (276) 632-1326

ROANOKE - VIRGINIABANKING HEADQUARTERS3000 Ogden RoadRoanoke, VA 24018Phone: (540) 795-3900Commercial Banking Office(Limited service branch: night deposit only)

Downtown Roanoke202 South Jefferson StreetRoanoke, VA 24011Phone: (540) 278-1968

South Roanoke3521 Franklin Road, SW Roanoke, VA 24014Phone: (540) 278-2070

Colonial4225 Colonial AvenueRoanoke, VA 24018(540) 278-1399

ROCKY MOUNT400 Old Franklin Tnpk., Ste 100 Rocky Mount, VA 24151Phone: (540) 489-3400Fax: (540) 489-3625

SALEM852 West Main StreetSalem, VA 24153(540) 283-4710

SOUTH BOSTON3609 Old Halifax RoadSouth Boston, VA 24592Phone: (434) 575-8597Fax: (434) 575-5428

UNION HALLSouthlake25 Southlake DriveUnion Hall, VA 24176(540) 576-1218

WESTLAKE12930 Booker T. Washington HwyHardy, VA 24101Phone: (540) 721-1600Fax: (540) 721-0228

13400 Booker T. Washington HwyMoneta, VA 24121(540) 719-2265Note: This branch will be closing. Nearest branch is Hardy location - only 1/4 mile away.

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RIDGEWAY3810 Greensboro Rd. Ridgeway, VA 24148 Phone: (276) 632-1159

what to expect

WHAT TO EXPECT

ROUTING NUMBERS American National Bank & Trust Company’s routing number is 051401027. The HomeTown Bank routing number will be retired at the end of 2019.

DIRECT DEPOSIT/ACH Your direct deposits and incoming recurring ACH transactions will not be interrupted and we’ll automatically notify each business of the new routing number to use for future transactions. Note: You may be contacted to verify the routing number should be updated.

ACCOUNT NUMBERS Your account number(s) from HomeTown Bank will remain the same.

CHECKS You may continue to use your HomeTown Bank checks until the end of 2019. If you order additional checks through us, they will automatically be converted to American National checks. If you order checks from third-party vendors, please be sure you provide the American National Bank & Trust routing number.

NEW ACCOUNTS We have made efforts to convert HomeTown Bank customers to a similar account with American National, and have adopted some of the benefits HomeTown has offered. See checking and savings account charts in this guide as well as the fee schedule for complete details.

CDS The interest computation for Certificate of Deposit account(s) including IRAs will change from compounding daily to simple interest. See page 12 for details.

STATEMENTS Your final HomeTown Bank statement will include information through April 26. After that, your statements will come from American National and reflect your new account information.

WWW.AMNB.COM Starting Monday, April 29, the HomeTown Bank website will redirect to amnb.com. Online banking login information is on the opposite page.

DEBIT & ATM CARDS All HomeTown Bank ATM and debit cardholders who have used their cards within the last year will receive a new American National debit or ATM card in the mail by April 15 with instructions for activating it. Your card will be ready for use once activated on Monday, April 29. All HomeTown Bank ATM and debit cards will be deactivated at midnight on April 28. CREDIT CARDS Credit card service will continue without any changes at this time. LOAN PAYMENTS Beginning Monday, April 29, all loan payments can be made at any American National branch location or mailed to:American National Bank & Trust Company Attention: Loan OperationsPO Box 191Danville, VA 24543

TREASURY SERVICE CUSTOMERS You will be personally contacted for information on transferring ACH Credits/Debits, Remote Deposit, Wire Transfers, and Merchant Services.

IMPORTANT ACCOUNT DETAILS & CONVERSION INFORMATIONQuestions? We’re

here to make your

transition from

HomeTown Bank to

American National

Bank & Trust fast

and easy.

Call us toll free at

1-800-240-8190M-F 7:00 AM - 11:00 PM

Weekends

9:00 AM - 5:00 PM

4

The most important details about the HomeTown Bank > American National Bank

changeover are right here. The information on these two pages is designed to help

you navigate the change to American National Bank quickly and easily. Many aspects

of your accounts won't change at all. Our goal is to make the transition as smooth as

possible, and we're always available by phone if you have any questions.

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what to doDuring the weekend of April 26-29, we will move your accounts from HomeTown Bank

to American National Bank & Trust Company. Review the checklist below and be sure to

perform any of the actions pertaining to your accounts on or before the dates listed.

WHAT TO DO

SUNDAY, APRIL 21: FINALIZE AND REVIEW YOUR BILL PAYMENTS.Bill Pay through HomeTown Bank will be unavailable beginning 4/22/19. The last day to schedule a payment will be 4/21/19. Any bills scheduled in the Bill Pay system will be paid, but you will not be able to make any changes to them during 4/22/19-4/26/19. You can begin using Bill Pay on Monday, April 29 via www.amnb.com. Please note, your e-bills will not transfer to the new bill pay system, so they will need to be set up again. THURSDAY, APRIL 25: SAVE YOUR E-STATEMENTSYour statements from HomeTown Bank will not transfer to American National’s Online Banking platform. We recommend saving your last 12 months of statement history prior to April 26. After that point, past statements will be available by contacting your local branch. FRIDAY, APRIL 26: WITHDRAW CASH FROM BRANCH OR ATMWithdraw any cash needed for conversion weekend before April 26, 2019. MONDAY, APRIL 29: LOG IN TO ONLINE BANKINGBeginning on April 29, 2019, please access online banking at www.amnb.com. You can log in using your HomeTown Bank user ID and the last four digits of your social security number for your password. You will be prompted to update your password upon login.

While we convert our systems, online banking will be in view only mode for HomeTown Bankcustomers beginning at 7:00 pm on April 26 until approximately 8:00 am on April 29. Cash Management customers will log in using your existing HomeTown Bank user ID and the last four digits of your company tax ID. New tokens will be mailed to you by April 20.

MONDAY, APRIL 29: ACTIVATE YOUR DEBIT CARD(S)Activate your new American National ATM or Visa® debit card on Monday, April 29 and create your new PIN by following the instructions on the front of your card.

MONDAY, APRIL 29: UPDATE AUTOMATIC PAYMENTS WITH YOUR CARDBe sure to update any automatic payments that are linked to your debit card with your new card information. MONDAY, APRIL 29: DOWNLOAD OUR MOBILE APPSearch “American National Bank and Trust Company” and for “MyCardRules” in your device’s store.

Withdraw any cash needed for conversion weekend before April 26, 2019. Online and mobile banking will be in view only mode during this time, too.

After that, it's back to business as usual!

DON'T FORGET…

5

TRANSITION CHECKLIST: IMPORTANT DATES AND ACTION ITEMS

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I PERSONAL BANKING SOLUTIONS I

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CONTENTS

Personal Checking

Account Information 8

Account Changes 9

Personal Savings


Account Changes 12

PERSONAL BANKING PRODUCTS & SERVICES

BANKING SOLUTIONS:n Checking/Savings Accounts n Round Up Savingsn CDs & IRAsn Instant Issue Visa Debit Cardsn Overdraft Protection Optionsn Home Equity Lines n Mortgage Loansn Personal Loans DIGITAL PRODUCTS & SERVICES:n Online Banking with Bill Pay n E-statements & Text/Email Alerts n MyCardRules App n 24/7 Telephone Bankingn Mobile Banking with Mobile Deposit n Apple Pay, Google Pay, and Samsung Pay

INVESTMENT & INSURANCE SOLUTIONS* n Insurance Solutions – new!n Trust Services – new!n Brokerage Services OTHER PRODUCTS & SERVICES:n Safe Deposit Boxes (subject to availability) n Domestic & International Wire Services n Foreign Currency Exchange n Notary Services n Cashier’s Checks n Credit Cards

PERSONAL BANKING

Explore your new personal banking options

at American National Bank & Trust Company

The following pages outline some of the personal

banking choices at American National Bank & Trust

Company, with a comprehensive listing below. We

offer account options for all ages and all levels of

financial needs, from just-starting-out to seasoned

investor. Take a look – you're sure to find many of the

things you like today and some new options, too.

7

personal banking

* Investment and Insurance products are not FDIC insured.

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PERSONAL CHECKING8

ACCOUNT INFO I personal checking

NEW ACCOUNT OPTIONS

SIMPLECHECKING

ADVANTAGECHECKING

PREMIER CHECKING

Checking with no minimum balance requirement A fully loaded accountACCOUNT

DESCRIPTIONChecking that thanks

you with interest

n/a$2,500 daily OR $25,000

combined loan and deposit balance

HOW TO AVOID MONTHLY CHARGE

$1,000 daily balance OR monthly direct deposit

No YesINTEREST BEARING Yes

$0 $20MONTHLY PRICING $10

3 per month Unlimited ATM waiversATM WAIVERS 3 per month

$50 $50OPENING AMOUNT $50

e-statement provided at no cost; paper statement

available for $3*

e-statement or paper statement available at

no charge STATEMENTS

e-statement provided at no cost; paper statement

available for $3

Unlimited Check Writing and one order of wallet-style

checks provided free each year or $10 discount on

specialty checks

Unlimited Check WritingCHECKS

Unlimited Check Writing and 1st order of wallet-style checks free or $10 discount

on specialty checks

Availablefor rent

Complimentary standard size box rental or $20 off per

year on a larger box

SAFE DEPOSIT BOX RENT

$10 discount on standard

box rental

NEW AMERICAN NATIONAL ACCOUNT OPTIONS

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HomeTown Bank customers may keep their existing statement preferences without a paper statement fee for an extended period of time.Simple Checking Plus is available for customers 60 and better and provides all the same benefits as Simple Checking but includes free check images on the paper statements.

*

ACCOUNT CHANGES I personal checking

What's new in personal checking

Use the chart below to compare your current HomeTown Bank checking account(s) with

the equivalent American National Account. While many details are the same, some have

changed and you may find brand new account features to enjoy!

PERSONAL CHECKING

You'll now receive three ATM waivers each month when using other banks' ATMs

Customers 60+ can receive paper statements with check images at no extra cost

$1,000 daily balance or a direct deposit each month to avoid $10 monthly charge; e-statements provided at no cost

$2,500 daily balance or $25k combined relationship balance to avoid $20 service charge; more ways to avoid paying a monthly fee; free order of wallet-style checks each year. Customers also receive preferred rates on CD

$50,000 combined relationship balance to avoid $25 service charge OR Trust & Investments with $500,000+

HTB ACCOUNT AMNB ACCOUNT WHAT'S NEW & DIFFERENT

FREE CHECKING

HOMETOWN PARTNERS @ WORK

SIMPLECHECKING

FREECHECKING

+ PERKS

SIMPLECHECKING

PLUS

ADVANTAGECHECKING

ADVANTAGE CHECKING

STAR PARTNERS

WINNERS CIRCLE

STAR CHECKING

FOUNDERS CHECKING

PREMIERCHECKING

PRIVATEWEALTH

CHECKINGPRIVATE

CHECKING

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ACCOUNT INFO I personal savings

PERSONAL SAVINGS

EASYSAVE

EASY SAVE PLUS

A savings account that makes it easy to save

Uniform Transfers to Minors Act

ACCOUNTDESCRIPTION

A savings account that makes it easy for youth and customers over 65 to save

Yes, daily credited quarterly

Yes, daily creditedquarterlyINTEREST Yes, daily credited

quarterly


no charge


no charge STATEMENTS


no charge

$50 $100OPENING AMOUNT $10

$5 $0MONTHLYPRICING $0

Maintain a $200daily balance n/a

ACCOUNTREQUIREMENTS n/a


Children receive a piggy bank and passbook to track savings. When they make a deposit, they receive a mark on their passbook. When passbook is full, they get a prize!

*

n Up to 6 withdrawals per month at no extra charge*

n No overdraft transfer fee when linked to your AMNB savings account

n Round Up Savings available

n Online and mobile banking

n 24-hour telephone banking

10

UTMA EASY SAVE

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*per withdrawal fee after that;Christmas Easy Save allows two withdrawals


ACCOUNT INFO I personal savings

PERSONAL SAVINGS

NEW ACCOUNT OPTIONS

MONEY MARKET

HEALTH SAVINGS ACCOUNT

PREMIUM MONEY MARKET

CHRISTMAS EASY SAVE

A competitive money market account

An automatic holiday savings account

An account that helps you make the most of your

high-deductible health insurance plan

Money market with high interest

Yes - tiered, credited monthly

Yes, simple interest paid annually on 1st business

day in November Yes, credited monthlyYes - tiered, credited

monthly

e-statement or paperstatement available at

no charge

$500 $10 $0$25,000

$15 n/a$20

$2,500 daily balanceMinimum of a $10

monthly draft from AMNB deposit account

$25,000 daily balance

New!Check out the new Christmas Easy Save account — it's a great way to fuel your holiday savings. Our Health Savings account is another brand new savings option.

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$2.25/statement cycle;


no charge


no charge


no charge

$500 daily balance

ACCOUNT CHANGES I personal savings

PERSONAL SAVINGS

What's new in personal savings

Use the chart below to compare your current HomeTown Bank savings account(s)

with the equivalent American National Bank & Trust Company Account. The far right

column details the differences and new features. In many cases there will be little change.

$200 daily balance to avoid $5 monthly charge

No changes from HTB account

$2,500 daily balance to avoid $15 monthly charge

There will be new rate tiers on this account and a $25,000 daily balance to avoid a $20 service charge

There will be new rate tiers on this account


ACORN AND OAK

EASY SAVE

TEEN ADVANTAGE

EASY SAVE PLUS

HTB KIDS’ CLUB

CDS & IRAS

PERSONAL MONEY MARKET

MONEY MARKET

PRIME MONEYMARKET

PRIME MONEY MARKET

12

The interest computation for CD account(s) including IRAs will change from compounding daily to simple interest. Interest will be credited quarterly versus annually, and paid by check or direct deposit, as you had previously elected. Note that while the interest rate will remain the same, the annual percentage yield may decrease. All other terms will remain the same.

GOAL SETTER

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PRIVATE WEALTH MONEY MARKET

PREMIUM MONEY MARKET

I CHECK OUT OUR ALL NEW KIDS’ BANKING OPTIONS I

I BUSINESS BANKING SOLUTIONS I

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CONTENTS

Business Checking


Account Changes 17

Business Savings


Account Changes 19

Additional Business Information 20

BUSINESS BANKING

Bring the power of American National Bank &

Trust Company to your business

Whether you're a sole proprietor or a multinational

corporation, you'll appreciate American National

Bank & Trust's range of business banking account

options. As a cornerstone of our commitment to the

communities we serve, we take pride in partnering

with our business customers to help them fuel growth

and innovation right here at home.

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business banking

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BUSINESS BANKING PRODUCTS & SERVICES

BANKING SOLUTIONS:n Checking/Savings Accounts n CDs & IRAsn Instant Issue Visa Debit Cardsn Commercial Loansn Business Lines of Credit n Cash Management DIGITAL PRODUCTS & SERVICES:n Online Banking with Bill Pay n E-statements & Text/Email Alertsn MyCardRules App n 24/7 Telephone Bankingn Mobile Banking n Apple Pay, Google Pay, and Samsung Pay

INVESTMENT & INSURANCE SOLUTIONS* n Insurance Solutions – new!n Trust Services – new!n Brokerage Services

TREASURY SERVICES: n Remote Deposit Capturen ACH Originationn Wire Processingn Positive Payn Lockbox Services – new! OTHER PRODUCTS & SERVICES:n Safe Deposit Boxes (subject to availability) n Domestic & International Wire Services n Foreign Currency Exchange n Notary Services n Cashier’s Checks n Business Credit Cardsn Merchant Services

* Investment and Insurance products are not FDIC insured.

BUSINESSCHECKING

BUSINESS PLUSCHECKING

COMMUNITY INTERESTCHECKING

BUSINESSANALYZED CHECKING

BUSINESS INTERESTCHECKING

An account perfect for most

businesses

ACCOUNTDESCRIPTION

An account for growing

businesses with moderate activity

Interest-bearing account for businesses

For community non-profits and businesses who manage IOLTA

accounts

For businesses with complex

needs and cash management

services

n/aHOW TO AVOID MONTHLY CHARGE


$5,000 daily balance n/a

Earnings credits will offset all or some portion of service charges

$0MONTHLY PRICING $20 $12 $0 Based on account activity

$100OPENING AMOUNT $100 $100 $100 $100

No No Yes Yes, on balances greater than $500 Earnings creditsINTEREST BEARING

250 free monthly transactions

including debits and credits





Unlimited deposits and check-writing

privileges

Based on business deposit

pricing guide

TRANSACTION LIMITS

$0.50 for each transaction

over 250


over 600


over 250n/a Analysis basedTRANSACTION

CHARGES

Up to $10,000 coin & currency exchanged for

free each month; $1.50 for each

additional $1,000



additional $1,000



additional $1,000

n/a

$0.50 for each additional $1,000

deposited, withdrawn, or

exchanged

COIN & CURRENCY FEES

NEW AMERICAN NATIONAL BANK ACCOUNT OPTIONS

ACCOUNT INFO I business checking

BUSINESS CHECKING16

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ACCOUNT CHANGES I business checking

BUSINESS CHECKING

You'll receive two ATM waivers each month when you use other banks' ATMs.

$5,000 daily balance to avoid $20 monthly charge; 600 free transactions monthly; you'll now receive two ATM waivers each month when you use other banks' ATMs

$0.50 for each transaction over the 250 free per month

No minimum balance requirements and interest is paid on balances greater than $500

Please reference the Business Analyzed fee schedule.


FREE BUSINESSCHECKING

BUSINESSCHECKING

STAR BUSINESSCHECKING

BUSINESSPLUS

CHECKING

BUSINESS INTERESTCHECKING

BUSINESS INTEREST CHECKING

PREMIERSWEEP

ACCOUNTS

COMMUNITYCHECKING COMMUNITY

INTERESTCHECKING

n Debit cardsn Online banking and bill pay

n E-statements or paper statements available

n Mobile banking n 24-hour telephone banking

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COMMERCIALCHECKING

BUSINESSANALYZEDCHECKING

LAWYERS TRUST(IOLTA)

ACCOUNT INFO I business savings

BUSINESS SAVINGS18

n No overdraft savings transfer fee

n Online & mobile banking

n Up to 6 withdrawals per month at no charge

n 24-hour telephone banking

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BUSINESSEASY SAVE

BUSINESS MONEY MARKET

BUSINESS PREMIUM MONEY MARKET

ACCOUNTDESCRIPTION

MONTHLY PRICING

OPENING AMOUNT

INTEREST BEARING

HOW TO AVOID MONTHLY PRICING

Easily stash cash for your

business

$5

$100

Yes, compounded daily, credited

quarterly

Maintain a $200 daily balance

e-statement or paper statement

available at no charge

A competitive business money

market

$15

$500

Tiered, compounded and credited monthly




Money market with high interest

$20

$25,000

Tiered, compounded and credited monthly




STATEMENTS

NEW AMERICAN NATIONAL BANK ACCOUNT OPTIONS

New!American National Bank & Trust Company offers a Business Premium Money Market account with attractive rates for those with higher balances.

ACCOUNT CHANGES I business savings

BUSINESS SAVINGS

Find the perfect savings account for your business

The chart below details which American National Bank & Trust Savings account will be

the best fit for your business's needs. Whether you're a new startup or an established

company, we'll help you find the best account to help keep your business's money

growing and bring your financial goals within reach.

$200 daily balance to avoid $5 monthly charge

$2,500 daily balance to avoid $15 monthly charge


BUSINESS SAVINGS

BUSINESSEASY SAVE

BUSINESS MONEY

MARKET

BUSINESSMONEY

MARKET

CDARS® & ICS®

19

BUSINESS CDS

No changes

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The interest computation for CD account(s) including IRAs will change from compounding daily to simple interest. Interest will be credited quarterly versus annually, and paid by check or direct deposit, as you had previously elected. Note that while the interest rate will remain the same, the annual percentage yield may decrease. All other terms will remain the same.

BUSINESS BANKING - ADDITIONAL INFORMATION20

BUSINESS BANKING I additional info

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Merchant Services

We offer the latest payment technology to help your business drive top line

revenue, while at the same time lowering costs. Our payment solutions can be

customized to your business model whether you’re operating in e-commerce,

as a non-profit, medical practice or even simple small business retail. If you

currently use HomeTown Bank’s merchant services, we will reach out to you

to see how we can continue to meet your needs.

Trust & Investment Services*

American National Bank & Trust Company also offers Trust and Investment

Services. For over 90 years, generations of families and businesses have

entrusted our Trust & Investments team with growing and preserving their

assets, planning their futures, protecting their heirs, providing for the charities

they care about and ensuring their family and/or business legacy thrives.

As a full-service provider of trust, investment and banking services, our team

can help manage your investments, create a financial plan, assist with business

succession and more. We welcome the opportunity to introduce you to this new

service and meet our team of local trust and investment professionals.

Insurance Services*

American National, as a part owner in Bankers Insurance, provides tailored

business insurance solutions for many types of risks, with some more common

coverages listed below.

n Property

n General Liability

Premises and Operations

Personal and Advertising Injury

Workers Compensation

n Business Income Interruption

n Cyber Liability

n Professional Liability

Malpractice

Errors and Omissions

Directors and Officers Liability

n Employee Health and Benefits

Trust ServicesThe Trust professionals of American National have a long legacy of helping people manage their wealth. We offer a full range of trust products and services, including:

n Financial Planning

n Estate Planning and Settlement Services

n Investment Management Services

n Business Succession Planning

n Trust Administration Services

We also have experience in the administration of many types of trusts, including:

n Living Trusts

n Trusts Under Will

n Charitable Trusts

n Trusts for children and loved ones

n Special Needs Trust

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*Investments & Insurance ProductsNot FDIC Insured Not Bank Guaranteed May Lose ValueNot Guaranteed by Any Government Agency Not a Bank Deposit

BUSINESS BANKING - ADDITIONAL INFORMATION 21

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Workplace Benefits

We are proud to offer AMNB@Work which offers a range of free and discounted

products and services designed for the employees of our business customers.

Treasury Services

If you currently use HomeTown Bank’s Treasury Services, you will be personally

contacted by an American National Bank & Trust Treasury Management Officer

who will provide information on the following:

Wire Transfers & ACH Origination

Please note: Your wire transfer information will transfer over to the new system.

Your ACH batches will not, and will need to be downloaded by April 22. Additional

information will be provided by your Treasury Services Officer.

n Business Online Banking

and Bill Pay

n ACH Origination

n Direct Deposit Payroll

n Remote Deposit Capture

n Wire Transfers

n Positive Pay

Lockbox ServicesAccept payments from

customers either by

mail or online. Lockbox

banking provides

companies and

municipalities with an

efficient, secure way of

depositing customer

payments if a business

is constantly receiving

customer payments

through the mail.

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American National Bank & Trust Company is devoted to helping local businesses grow stronger.

PERSONAL & BUSINESS LENDING22

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Credit Cards

We also offer Visa credit cards for both personal and business customers that have

competitive pricing and a full range of reward options.

n Personal Loans:

Auto, Boat, and RV Loans

ReStart Loan to help build your credit

Unsecured and Deposit Secured Loans

Marketable Securities Loans

Construction Loans

Bridge Loans

Lot & Land Loans

Home Equity Lines of Credit

n Home Mortgage Products:

Conventional loans

Fixed-Term or Adjustable-Term

VA, FHA, and USDA loans

Construction-to-Permanent loans

Jumbo Loans

First-time homebuyer loans

n Business Loans:

Term Loans

Lines of Credit

Commercial Real Estate Loans

Construction Loans

Vehicle and Equipment Financing

Small Business Administration Loans

Personal & Business Lending Solutions

If you have a pre-existing loan with HomeTown Bank, your loan and the Terms &

Conditions of your loan will remain the same. Effective April 29, all mail-in loan

payments should be sent to:

American National Bank & Trust Company

Attention: Loan Operations

PO Box 191

Danville, VA 24543

In need of a loan? American National offers personal loans, business loans, home

mortgages, and home equity lines of credits, all provided with quick, local decisions.

All loans or offers of credit

are subject to credit and

underwriting approval.

Other fees, conditions and

restrictions may apply.

Local Decision MakingWe pride ourselves on quick, local decision making. With local relationship managers and bankers in your market and the credit department for the bank located in Roanoke's banking headquarters, loan decisions can't get much closer than that!

PERSONAL & BUSINESS OVERDRAFT PROTECTION 23

PERSONAL & BUSINESS I overdraft protection

Overdraft Protection

If you have overdraft protection with HomeTown Bank, through a linked checking

account, savings account, money market or loan, your selection(s) will migrate to

American National Bank & Trust Company.

Overdraft Express:

If you have opted in to HomeTown Bank’s overdraft service to have your debit

card accepted at retailers and the ATM when the dollar amount exceeds the

amount of funds available in your account, this service will continue with

American National and is referred to as Overdraft Express and is outlined below:

n You will have a $500 limit of overdraft privilege available

n Overdrafts created by checks, recurring debits, and ACH

transactions will also be covered

n You will be charged the standard $36 each time we pay an overdraft

n The maximum number of overdraft fees that you will be charged

per day is limited to six or $216

Please reference our personal and business account disclosures for a complete

schedule of fees.

Other Questions:

What if my account is

overdrawn by just a few dollars?

We will waive any overdraft fees

you would have incurred from

transactions for underlying

transaction amounts of $5

or less or for transactions of

any amount that overdraw

your account by $5 or less.

Is there a charge to transfer

money from a savings account to

a checking account?

We do not charge for this service

and you can link a checking

account to up to four other

deposit accounts.

Will my credit limits on my

overdraft line change?

No, any amount you have on an

existing loan product, including

HomeTown Reserve, will transfer as is.

Other Overdraft ServicesOther overdraft protection services are available to personal and business customers by linking your checking account(s) to a line of credit, savings, money market, or secondary checking account. When necessary, we will automatically transfer funds to your checking account when an overdraft occurs at no cost to you.

Balance Alerts!Get an alert any time the balance on your account drops below an amount you want to watch to prevent overdrawing your account.

Or sign up for text banking and text BAL to our short code for instant balance updates.

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Start with Online Banking & Bill Pay:

AMNB’s online banking with bill pay platform is designed

for use from a personal computer. Online Banking with

bill pay allows you to:

n View account balances, deposits, and other transactions

n Stop payments

n Transfer funds to other AMNB accounts

n Bank to Bank transfers

n Make person to person payments using only the recipient’s name and email address

n Pay bills and receive e-bills

n Enroll in e-statements

n Send a secure message

n Create alerts

n AND MORE!

Refer to page 5 for initial online banking log-on

instructions.

Please note your existing e-bills and any alerts that

have been set up with HomeTown Bank will not

transfer to American National’s online banking

system and will need to be set up again.

Also note a slight change to how bills are paid within

Bill Pay. Currently, HomeTown Bank debits your

account the day bills are scheduled to be paid.

However, American National debits your account

the day before it’s scheduled to be paid, so please

ensure the necessary funds are in your account.

Mobile Banking with Mobile Deposit

For smartphone and tablet users, our mobile banking

app allows all the convenience of online banking from

your mobile device but also includes the ability to

deposit checks using your device’s camera.

Search “American National Bank & Trust Company”

in your device's store and begin using after April 29.

HomeTown Bank customers that have enrolled in mobile

deposit today will automatically be set up for this service

with American National Bank.

MyCardRules

MyCardRules is a mobile app available in Google Play™

or the App Store® for fraud protection, card management

and alerts. American National Bank customers can set a

variety of customized controls and alerts including:

n Turn the card on and off

n Set spending limits based on various factors such as dollar amount, transaction type, or merchant type

n Receive alerts on all transaction attempts declined

n Set other instant alerts on all or specific transactions like those at a gas station

n Set a location boundary where the card can be used

n Set parental or employer controls

Search for MyCardRules in your device’s

store and enroll your card for added

protection and oversight!

digital banking

DIGITAL BANKING26

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We all know that our phone is becoming more of a

wallet these days and we are pleased to offer mobile

payments through Apple Pay, Samsung Pay, and

Google Pay.

Not an app user?

We offer mobile web and mobile text services as well.

Please log in to online banking and visit Personal

Settings, then Mobile Settings to enroll. Mobile

web enables you access to your online banking via

www.airteller.com/amnb.

Mobile texts allow you quick access to your account

information with abbreviated text commands.

Keep it simple and secure with e-statements.

E-statements allow you to receive account statements

the day after a statement cycle ends, giving you

immediate access in a more secure environment.

You’ll receive an email prompt once your statements

are available and they can be downloaded, saved or

printed for future reference.

Many accounts offer paper statements for an

additional $3 if you prefer that option.

HomeTown customers receiving e-statements today

will continue to receive e-statements with American

National.

QuickBooks and Quicken Integration:

American National’s online banking is integrated with

Intuit QuickBooks and Quicken. To continue using these

tools with American National, it will be necessary to

download the QFX/QBO file of your transaction activity

from HomeTown Bank prior to April 26! Connection

services will be interrupted during the weekend of

conversion.

We will provide instructions on our website at

www.amnb.com/intuit for how to reestablish your

QuickBooks and Quicken Web Connect or Direct

Connect connections.

Save time going to the branch and open

a new checking or savings account from

anywhere. Just go to www.amnb.com!

new

Open an Account Online!

ADDITIONAL INFORMATION 27

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Debit Cards

Your new American National ATM or debit card will be

mailed to you around the 10th of April. Please note the

following information regarding your new card:

n Your new ATM or debit card(s) may be

activated on or after Monday, April 29, 2019

by calling the number on the sticker on the

front of the card(s).

n Your HomeTown Bank card(s) will not work

after midnight on Sunday, April 28, 2019.

n Once you have activated your new debit card(s),

stop using and destroy your old debit card(s).

n When you activate your new card(s), you will

be asked to set up your PIN.

n Upon activation, your new debit card(s) will be

linked to the same accounts as your previous

debit card(s).

n If you have automatic recurring debits tied to

your debit card(s), please contact the Merchant

or Biller to provide your new card information.

If you don’t receive a debit card prior to April 22,

please contact your local branch.

FDIC Insurance

Under FDIC rules, funds on deposit at HomeTown Bank

and American National at the time of the merger will

continue to be separately insured by the FDIC as if the

funds were still held in separate banks. This special

treatment will continue for six months after the merger

or the first maturity date after the merger for Certificates

of Deposit (CDs).

CDs that mature during the first six months following

the legal merger date that are renewed for the same

dollar amount and term will continue to be separately

insured until the first maturity date after the six-month

period. CDs that mature during the six-month period and

are renewed on any other basis (different term or for a

different amount) will only be separately insured through

the six-month period after the merger.

This six-month period allows you the opportunity to

examine and restructure your accounts to meet FDIC

insurance guidelines, if needed. If you have questions

about your FDIC Insurance coverage, contact your local

branch or visit fdic.gov.

Safe Deposit Boxes

Safe deposit boxes will remain the same until the time

of renewal. Please refer to the schedule of fees for any

changes to your box rental rate. For customers at

HomeTown Bank’s Westlake branch, we have space

available at American National’s Westlake location

to relocate your safe deposit box. We will be reaching

out to each of these customers personally to discuss

the handling of your box prior to moving it. If you have

questions, please contact us at (540) 719-2265.

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Wire Information:

Beginning April 29, 2019, please use the following wire transfer instructions:

(Account Name at American National Bank and Account Number, or at least the last 4 digits of the Account Number)

The wire cut-off time is 5:00 p.m. each day for incoming wire transfers.

The outgoing wire transfer cut-off time will be 4:00 p.m. each day.

Note: the existing HomeTown Bank ABA # will not work for incoming wires as of May 31, 2019.

24/7 TELEPHONE BANKING: 1-877-534-2345

Use your account number and PIN to:

n Check account balances

n Request stop payments

n Verify deposits

n Verify debits posted to your account

n Transfer funds

n Make loan payments

Incoming Domestic Wire Transfers (United States)

Wire to: American National Bank & Trust Company

Routing Number (ABA): 051401027For Credit:Customer NameCustomer Account Number

Incoming International Wire Transfers:Wire To: PNC Bank, NA 249 Fifth Avenue Pittsburgh, PA 15222Bank Routing Number: 031000053Bank Swift Code: PNCCUS33Beneficiary Name: American National Bank & Trust Company 628 Main Street PO Box 191 Danville, VA 24541Beneficiary Account Number: 5303742928Payment Details: Final Credit To

I PERSONAL & BUSINESS ACCOUNT DISCLOSURES I

TABLE OF CONTENTSPage

PRIVACY ....................................................................................................next pageTERMS AND CONDITIONS OF YOUR ACCOUNT ..........................................3Important Information About Procedures

for Opening a New Account ...............................................................................3Agreement .................................................................................................................3Liability .......................................................................................................................3Deposits......................................................................................................................3Withdrawals ...............................................................................................................3Ownership of Account and Beneficiary Designation..............................................4Business, Organization and Association Accounts ................................................4Stop Payments...........................................................................................................4Telephone Transfers .................................................................................................4Transfer Limitations ..................................................................................................4Amendments and Termination ................................................................................4Notices........................................................................................................................4Statements .................................................................................................................5Account Transfer .......................................................................................................5Direct Deposits...........................................................................................................5Temporary Account Agreement...............................................................................5Setoff ..........................................................................................................................5Authorized Signer......................................................................................................5Restrictive Legends or Endorsements .....................................................................5Guardian or Custodial Accounts ..............................................................................5Facsimile Signatures .................................................................................................5Check Processing.......................................................................................................5Check Cashing ...........................................................................................................5Stale-Dated Checks....................................................................................................5Endorsements............................................................................................................5Death or Incompetence.............................................................................................6Fiduciary Accounts ....................................................................................................6Credit Verification......................................................................................................6Legal Actions Affecting Your Account.....................................................................6Security ......................................................................................................................6Telephonic Instructions.............................................................................................6Monitoring and Recording Telephone Calls

and Consent to Receive Communications ........................................................6Claim of Loss .............................................................................................................6Early Withdrawal Penalties.......................................................................................6Address or Name Changes.......................................................................................6Resolving Account Disputes.....................................................................................6Waiver of Notices ......................................................................................................7ACH and Wire Transfers ...........................................................................................7Power of Attorney .....................................................................................................7FDIC Insurance...........................................................................................................7Unclaimed Property ..................................................................................................7UTMA Accounts.........................................................................................................7Cash Transaction Reporting .....................................................................................7Backup Withholding/TIN Certification .....................................................................7Lost, Destroyed, or Stolen Certified, Cashier’s or Teller’s Checks ........................7Changing Account Products .....................................................................................7Transactions by Mail .................................................................................................7Check Storage and Copies........................................................................................7Truncation, Substitute Checks, and Other Check Images ......................................7Remotely Created Checks .........................................................................................8Unlawful Internet Gambling Notice .........................................................................8Health Savings Accounts (HSA) ...............................................................................8International ACH Transactions ...............................................................................8Funds Transfers .........................................................................................................8

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ....................................................9

OVERDRAFT EXPRESS DISCLOSURE ............................................................10YOUR ABILITY TO WITHDRAW FUNDS .........................................................11Payment Order Of Items .........................................................................................11TRUTH-IN-SAVINGS DISCLOSURE ..................................................................12Simple Checking Account.......................................................................................12Simple Checking Plus Account...............................................................................12Advantage Checking Account ................................................................................12Premier Checking Account .....................................................................................12Private Checking Account .......................................................................................12Easy Save Account ..................................................................................................12Easy Save Plus Account..........................................................................................12Money Market Account...........................................................................................13Premium Money Market Account ..........................................................................13Prime Money Market Account................................................................................13Common Features ...................................................................................................13

© 2016 Wolters Kluwer Financial Services, Inc. All rights reserved.AIB-TIS-P 6/1/2016 3o Custom TCM-56v,2bi,4u 201261564-010


PRIVACY ....................................................................................................next pageTERMS AND CONDITIONS OF YOUR ACCOUNT ..........................................3Important Information About Procedures

for Opening a New Account ...............................................................................3Agreement .................................................................................................................3Liability .......................................................................................................................3Deposits......................................................................................................................3Withdrawals ...............................................................................................................3Ownership of Account and Beneficiary Designation..............................................4Business, Organization and Association Accounts ................................................4Stop Payments...........................................................................................................4Telephone Transfers .................................................................................................4Transfer Limitations ..................................................................................................4Amendments and Termination ................................................................................4Notices........................................................................................................................4Statements .................................................................................................................5Account Transfer .......................................................................................................5Direct Deposits...........................................................................................................5Temporary Account Agreement...............................................................................5Setoff ..........................................................................................................................5Authorized Signer......................................................................................................5Restrictive Legends or Endorsements .....................................................................5Guardian or Custodial Accounts ..............................................................................5Facsimile Signatures .................................................................................................5Check Processing.......................................................................................................5Check Cashing ...........................................................................................................5Stale-Dated Checks....................................................................................................5Endorsements............................................................................................................5Death or Incompetence.............................................................................................6Fiduciary Accounts ....................................................................................................6Credit Verification......................................................................................................6Legal Actions Affecting Your Account.....................................................................6Security ......................................................................................................................6Telephonic Instructions.............................................................................................6Monitoring and Recording Telephone Calls

and Consent to Receive Communications ........................................................6Claim of Loss .............................................................................................................6Early Withdrawal Penalties.......................................................................................6Address or Name Changes.......................................................................................6Resolving Account Disputes.....................................................................................6Waiver of Notices ......................................................................................................7ACH and Wire Transfers ...........................................................................................7Power of Attorney .....................................................................................................7FDIC Insurance...........................................................................................................7Unclaimed Property ..................................................................................................7UTMA Accounts.........................................................................................................7Cash Transaction Reporting .....................................................................................7Backup Withholding/TIN Certification .....................................................................7Lost, Destroyed, or Stolen Certified, Cashier’s or Teller’s Checks ........................7Changing Account Products .....................................................................................7Transactions by Mail .................................................................................................7Check Storage and Copies........................................................................................7Truncation, Substitute Checks, and Other Check Images ......................................7Remotely Created Checks .........................................................................................8Unlawful Internet Gambling Notice .........................................................................8Health Savings Accounts (HSA) ...............................................................................8International ACH Transactions ...............................................................................8Funds Transfers .........................................................................................................8

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ....................................................9

OVERDRAFT EXPRESS DISCLOSURE ............................................................10YOUR ABILITY TO WITHDRAW FUNDS .........................................................11Payment Order Of Items .........................................................................................11TRUTH-IN-SAVINGS DISCLOSURE ..................................................................12Simple Checking Account.......................................................................................12Simple Checking Plus Account...............................................................................12Advantage Checking Account ................................................................................12Premier Checking Account .....................................................................................12Private Checking Account .......................................................................................12Easy Save Account ..................................................................................................12Easy Save Plus Account..........................................................................................12Money Market Account...........................................................................................13Premium Money Market Account ..........................................................................13Prime Money Market Account................................................................................13Common Features ...................................................................................................13

© 2016 Wolters Kluwer Financial Services, Inc. All rights reserved.AIB-TIS-P 6/1/2016 3o Custom TCM-56v,2bi,4u 201261564-010

I PERSONAL ACCOUNT DISCLOSURES I

Rev. June 2014

FACTS WHAT DOES AMERICAN NATIONAL DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:� Social Security number� Account balances� Payment history

� Transaction or loss history� Account transactions� Checking account information

When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons American National chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does American National share?

Can you limit this sharing?

For our everyday business purposes -such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes -to offer our products and services to you

No We don't share

For joint marketing with other financial companies Yes No

For our affiliates' everyday business purposes -information about your transactions and experiences

No We don't share

For our affiliates' everyday business purposes -information about your creditworthiness

No We don't share

For nonaffiliates to market to you No We don't share

Questions? Call 800-240-8190 or go to www.amnb.com

Privacy Model Disclosure PRIV-MODEL 8/1/2010© 2010 Wolters Kluwer Financial Services, Inc.All rights reserved. 2018.10/0786 201261564

PRIVACY

Who We AreWho is providing this notice? American National means American National Bank and Trust Company.

What We DoHow does American National protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does American National collect my personal information?

We collect your personal information, for example, when you� Open an account� Apply for a loan� Give us your contact information

� Give us your wage statements� Show your driver's license

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing? Federal law gives you the right to limit only� sharing for affiliates' everyday business purposes - information about your

creditworthiness� affiliates from using your information to market to you� sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

DefinitionsAffiliates Companies related by common ownership or control. They can be financial and

non-financial companies.� American National has no affiliates.

Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies.� American National does not share with nonaffiliates so they can market to you.

Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.� Our joint marketing partners include insurance providers, brokerage and

investment advisory services, and credit card companies.

Page 2

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TERMS AND CONDITIONS OF YOUR ACCOUNT

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING ANEW ACCOUNT - To help the government fight the funding of terrorism andmoney laundering activities, federal law requires all financial institutions toobtain, verify, and record information that identifies each person who opens anaccount.What this means for you: When you open an account, we will ask for your name,address, date of birth, and other information that will allow us to identify you.We may also ask to see your driver’s license or other identifying documents.AGREEMENT - This document, along with any other documents we give youpertaining to your account(s), is a contract that establishes rules which controlyour account(s) with us. Please read this carefully and retain it for futurereference. If you sign the signature card or open or continue to use the account,you agree to these rules. You will receive a separate schedule of rates,qualifying balances, and fees if they are not included in this document. If youhave any questions, please call us.This agreement is subject to applicable federal laws, the laws of the state ofVirginia and other applicable rules such as the operating letters of the FederalReserve Banks and payment processing system rules (except to the extent thatthis agreement can and does vary such rules or laws). The body of state andfederal law that governs our relationship with you, however, is too large andcomplex to be reproduced here. The purpose of this document is to:(1) summarize some laws that apply to common transactions;(2) establish rules to cover transactions or events which the law does not

regulate;(3) establish rules for certain transactions or events which the law regulates

but permits variation by agreement; and(4) give you disclosures of some of our policies to which you may be entitled

or in which you may be interested. If any provision of this document is found to be unenforceable according to itsterms, all remaining provisions will continue in full force and effect. We maypermit some variations from our standard agreement, but we must agree toany variation in writing either on the signature card for your account or in someother document. Nothing in this document is intended to vary our duty to act ingood faith and with ordinary care when required by law. As used in this document the words “we,” “our,” and “us” mean the financialinstitution and the words “you” and “your” mean the account holder(s) andanyone else with the authority to deposit, withdraw, or exercise control overthe funds in the account. However, this agreement does not intend, and theterms “you” and “your” should not be interpreted, to expand an individual’sresponsibility for an organization’s liability. If this account is owned by acorporation, partnership or other organization, individual liability is determinedby the laws generally applicable to that type of organization. The headings inthis document are for convenience or reference only and will not govern theinterpretation of the provisions. Unless it would be inconsistent to do so, wordsand phrases used in this document should be construed so the singularincludes the plural and the plural includes the singular. LIABILITY - You agree, for yourself (and the person or entity you represent ifyou sign as a representative of another) to the terms of this account and theschedule of charges. You authorize us to deduct these charges, without noticeto you, directly from the account balance as accrued. You will pay anyadditional reasonable charges for services you request which are not coveredby this agreement. Each of you also agrees to be jointly and severally (individually) liable for anyaccount shortage resulting from charges or overdrafts, whether caused by youor another with access to this account. This liability is due immediately, andcan be deducted directly from the account balance whenever sufficient fundsare available. You have no right to defer payment of this liability, and you areliable regardless of whether you signed the item or benefited from the chargeor overdraft. You will be liable for our costs as well as for our reasonable attorneys’ fees, tothe extent permitted by law, whether incurred as a result of collection or in anyother dispute involving your account. This includes, but is not limited to,disputes between you and another joint owner; you and an authorized signer orsimilar party; or a third party claiming an interest in your account. This alsoincludes any action that you or a third party takes regarding the account thatcauses us, in good faith, to seek the advice of an attorney, whether or not webecome involved in the dispute. All costs and attorneys’ fees can be deductedfrom your account when they are incurred, without notice to you.DEPOSITS - We will give only provisional credit until collection is final for anyitems, other than cash, we accept for deposit (including items drawn “on us”).Before settlement of any item becomes final, we act only as your agent,regardless of the form of endorsement or lack of endorsement on the item andeven though we provide you provisional credit for the item. We may reverseany provisional credit for items that are lost, stolen, or returned. Unlessprohibited by law, we also reserve the right to charge back to your account theamount of any item deposited to your account or cashed for you which wasinitially paid by the payor bank and which is later returned to us due to anallegedly forged, unauthorized or missing endorsement, claim of alteration,encoding error or other problem which in our judgment justifies reversal ofcredit. You authorize us to attempt to collect previously returned items withoutgiving you notice, and in attempting to collect we may permit the payor bank to

hold an item beyond the midnight deadline. Actual credit for deposits of, orpayable in, foreign currency will be at the exchange rate in effect on finalcollection in U.S. dollars. We are not responsible for transactions by mail oroutside depository until we actually record them. If you deliver a deposit to usand you will not be present when the deposit is counted, we will verify andrecord the deposit, and credit the deposit to the account. If there are anydiscrepancies between the amounts shown on an itemized list of the deposit(deposit slip) and the amount we determine to be the actual deposit, we willnotify you of the discrepancy. You will be entitled to credit only for the actualdeposit as determined by us, regardless of what is stated on the itemizeddeposit slip. We will treat and record all transactions received after our “dailycutoff time” on a business day we are open, or received on a day we are notopen for business, as if initiated on the next business day that we are open. Atour option, we may take an item for collection rather than for deposit. If weaccept a third-party check for deposit, we may require any third-partyendorsers to verify or guarantee their endorsements, or endorse in ourpresence. WITHDRAWALS - Generally - Unless clearly indicated otherwise on the account records, any ofyou, acting alone, who signs to open the account or has authority to makewithdrawals may withdraw or transfer all or any part of the account balance atany time. Each of you (until we receive written notice to the contrary)authorizes each other person who signs or has authority to make withdrawalsto endorse any item payable to you or your order for deposit to this account orany other transaction with us.Postdated checks - A postdated check is one which bears a date later thanthe date on which the check is written. We may properly pay and charge youraccount for a postdated check even though payment was made before the dateof the check, unless we have received written notice of the postdating in time tohave a reasonable opportunity to act. Because we process checks mechanically,your notice will not be effective and we will not be liable for failing to honoryour notice unless it precisely identifies the number, date, amount and payee ofthe item.Checks and withdrawal rules - If you do not purchase your check blanksfrom us, you must be certain that we approve the check blanks you purchase.We may refuse any withdrawal or transfer request which you attempt on formsnot approved by us or by any method we do not specifically permit. We mayrefuse any withdrawal or transfer request which is greater in number than thefrequency permitted, or which is for an amount greater or less than anywithdrawal limitations. We will use the date the transaction is completed by us(as opposed to the date you initiate it) to apply the frequency limitations. Inaddition, we may place limitations on the account until your identity is verified. Even if we honor a nonconforming request, we are not required to do so later.If you violate the stated transaction limitations (if any), in our discretion wemay close your account or reclassify it as a transaction account. If we reclassifyyour account, your account will be subject to the fees and earnings rules of thenew account classification. If we are presented with an item drawn against your account that would be a“substitute check,” as defined by law, but for an error or defect in the itemintroduced in the substitute check creation process, you agree that we may paysuch item. See the funds availability policy disclosure for information about when you canwithdraw funds you deposit. For those accounts to which our funds availabilitypolicy disclosure does not apply, you can ask us when you make a depositwhen those funds will be available for withdrawal. An item may be returnedafter the funds from the deposit of that item are made available for withdrawal.In that case, we will reverse the credit of the item. We may determine theamount of available funds in your account for the purpose of deciding whetherto return an item for insufficient funds at any time between the time we receivethe item and when we return the item or send a notice in lieu of return. Weneed only make one determination, but if we choose to make a subsequentdetermination, the account balance at the subsequent time will determinewhether there are insufficient available funds.A temporary debit authorization hold affects your account balance -On debit card purchases, merchants may request a temporary hold on youraccount for a specified sum of money, which may be more than the actualamount of your purchase. When this happens, our processing system cannotdetermine that the amount of the hold exceeds the actual amount of yourpurchase. This temporary hold, and the amount charged to your account, willeventually be adjusted to the actual amount of your purchase, but it may be upto three days before the adjustment is made. Until the adjustment is made, theamount of funds in your account available for other transactions will bereduced by the amount of the temporary hold. If another transaction ispresented for payment in an amount greater than the funds left after thededuction of the temporary hold amount, that transaction will be anonsufficient funds (NSF) transaction if we do not pay it or an overdrafttransaction if we do pay it. You will be charged an NSF or overdraft feeaccording to our NSF or overdraft fee policy. You will be charged the fee even ifyou would have had sufficient funds in your account if the amount of the holdhad been equal to the amount of your purchase.Here is an example of how this can occur – assume for this example thefollowing: (1) you have opted-in to our overdraft services for the payment ofoverdrafts on ATM and everyday debit card transactions, (2) we pay theoverdraft, and (3) our overdraft fee is $35 per overdraft, but we do not chargethe overdraft fee if the transaction overdraws the account by less than $10.

Personal Account Disclosures Page 3 of 14


You have $120 in your account. You swipe your card at the card reader on agasoline pump. Since it is unclear what the final bill will be, the gas station’sprocessing system immediately requests a hold on your account in a specifiedamount, for example, $80. Our processing system authorizes a temporary holdon your account in the amount of $80, and the gas station’s processing systemauthorizes you to begin pumping gas. You fill your tank and the amount ofgasoline you purchased is only $50. Our processing system shows that youhave $40 in your account available for other transactions ($120 - $80 = $40)even though you would have $70 in your account available for othertransactions if the amount of the temporary hold was equal to the amount ofyour purchase ($120 - $50 = $70). Later, another transaction you haveauthorized is presented for payment from your account in the amount of $60(this could be a check you have written, another debit card transaction, an ACHdebit or any other kind of payment request). This other transaction is presentedbefore the amount of the temporary hold is adjusted to the amount of yourpurchase (remember, it may take up to three days for the adjustment to bemade). Because the amount of this other transaction is greater than the amountour processing system shows is available in your account, our payment of thistransaction will result in an overdraft transaction. Because the transactionoverdraws your account by $20, your account will be assessed the overdraft feeof $35 according to our overdraft fee policy. You will be charged this $35 feeaccording to our policy even though you would have had enough money inyour account to cover the $60 transaction if your account had only beendebited the amount of your purchase rather than the amount of the temporaryhold or if the temporary hold had already been adjusted to the actual amountof your purchase.Overdrafts - You understand that we may, at our discretion, honor withdrawalrequests that overdraw your account. However, the fact that we may honorwithdrawal requests that overdraw the account balance does not obligate us todo so later. So you can NOT rely on us to pay overdrafts on your accountregardless of how frequently or under what circumstances we have paidoverdrafts on your account in the past. We can change our practice of payingoverdrafts on your account without notice to you. You can ask us if we haveother account services that might be available to you where we commit topaying overdrafts under certain circumstances, such as an overdraft protectionline-of-credit or a plan to sweep funds from another account you have with us.You agree that we may charge fees for overdrafts. For consumer accounts, wewill not charge fees for overdrafts caused by ATM withdrawals or one-timedebit card transactions if you have not opted-in to that service. We may usesubsequent deposits, including direct deposits of social security or othergovernment benefits, to cover such overdrafts and overdraft fees.Multiple signatures, electronic check conversion, and similartransactions - An electronic check conversion transaction is a transactionwhere a check or similar item is converted into an electronic fund transfer asdefined in the Electronic Fund Transfers regulation. In these types oftransactions the check or similar item is either removed from circulation(truncated) or given back to you. As a result, we have no opportunity to reviewthe check to examine the signatures on the item. You agree that, as to these orany items as to which we have no opportunity to examine the signatures, youwaive any requirement of multiple signatures.Notice of withdrawal - We reserve the right to require not less than 7 days’notice in writing before each withdrawal from an interest-bearing account otherthan a time deposit or demand deposit, or from any other savings account asdefined by Regulation D. (The law requires us to reserve this right, but it is notour general policy to use it.) Withdrawals from a time account prior to maturityor prior to any notice period may be restricted and may be subject to penalty.See your notice of penalty for early withdrawal.OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - Theserules apply to this account depending on the form of ownership and beneficiarydesignation, if any, specified on the account records. We make norepresentations as to the appropriateness or effect of the ownership andbeneficiary designations, except as they determine to whom we pay theaccount funds. Individual Account - is an account in the name of one person.Joint Account - With Survivorship (And Not As Tenants In Common) -is an account in the name of two or more persons. Each of you intend andagree that on the death of a party to the account, the deceased party’sownership in the account passes to the surviving party or parties to theaccount. This is subject to any previous pledge to which we have agreed. If twoor more of you survive, you will own the balance in the account as joint tenantswith survivorship and not as tenants in common. Joint Account - No Survivorship (As Tenants In Common) - is owned bytwo or more persons, but none of you intend (merely by opening this account)to create any right of survivorship in any other person. Each of you intend thatwhen you die your interest in this account will pass as a part of your estateunder a will, trust, or by intestacy. We encourage you to agree and tell us inwriting of the percentage of the deposit contributed by each of you. Thisinformation will not, however, affect the “number of signatures” necessary forwithdrawal. Revocable Trust or Pay-On-Death Account - If two or more of you createthis type of account, you own the account jointly with survivorship.Beneficiaries cannot withdraw unless: (1) all persons creating the account die,and (2) the beneficiary is then living. If two or more beneficiaries are namedand survive the death of all persons creating the account, beneficiaries will ownthis account in equal shares, without right of survivorship. The person(s)creating either of these account types may: (1) change beneficiaries, (2) changeaccount types, and (3) withdraw all or part of the account funds at any time.

BUSINESS, ORGANIZATION AND ASSOCIATION ACCOUNTS - Earningsin the form of interest, dividends, or credits will be paid only on collectedfunds, unless otherwise provided by law or our policy. You represent that youhave the authority to open and conduct business on this account on behalf ofthe entity. We may require the governing body of the entity opening theaccount to give us a separate authorization telling us who is authorized to acton its behalf. We will honor the authorization until we actually receive writtennotice of a change from the governing body of the entity.STOP PAYMENTS - Unless otherwise provided, the rules in this section coverstopping payment of items such as checks and drafts. Rules for stoppingpayment of other types of transfers of funds, such as consumer electronic fundtransfers, may be established by law or our policy. If we have not disclosedthese rules to you elsewhere, you may ask us about those rules.We may accept an order to stop payment on any item from any one of you.You must make any stop-payment order in the manner required by law and wemust receive it in time to give us a reasonable opportunity to act on it beforeour stop-payment cutoff time. Because stop-payment orders are handled bycomputers, to be effective, your stop-payment order must precisely identify thenumber, date, and amount of the item, and the payee. You may stop paymenton any item drawn on your account whether you sign the item or not.Generally, if your stop-payment order is given to us in writing it is effective forsix months. Your order will lapse after that time if you do not renew the orderin writing before the end of the six-month period. If the original stop-paymentorder was oral your stop-payment order will lapse after 14 calendar days if youdo not confirm your order in writing within that time period. We are notobligated to notify you when a stop-payment order expires. A release of thestop-payment request may be made only by the person who initiated the stop-payment order.If you stop payment on an item and we incur any damages or expensesbecause of the stop payment, you agree to indemnify us for those damages orexpenses, including attorneys’ fees. You assign to us all rights against thepayee or any other holder of the item. You agree to cooperate with us in anylegal actions that we may take against such persons. You should be aware thatanyone holding the item may be entitled to enforce payment against youdespite the stop-payment order. Our stop-payment cutoff time is one hour after the opening of the next bankingday after the banking day on which we receive the item. Additional limitationson our obligation to stop payment are provided by law (e.g., we paid the itemin cash or we certified the item).TELEPHONE TRANSFERS - A telephone transfer of funds from this accountto another account with us, if otherwise arranged for or permitted, may bemade by the same persons and under the same conditions generally applicableto withdrawals made in writing. Unless a different limitation is disclosed inwriting, we restrict the number of transfers from a savings account to anotheraccount or to third parties, to a maximum of six per month (less the number of“preauthorized transfers” during the month). Other account transferrestrictions may be described elsewhere.TRANSFER LIMITATIONS - For savings and money market accounts youmay make up to six transfers or withdrawals by means of a preauthorized,automatic, or telephonic transfer to another account of yours or to a third partyor by check, debit card, or similar order to a third party during any calendarmonth (or statement cycle of at least four weeks). A preauthorized transferincludes any arrangement with us to pay a third party from your account at (i) apredetermined time; (ii) on a fixed schedule or (iii) upon oral or written ordersincluding orders received through the automated clearing house (ACH). If thetransfer or withdrawal is initiated in person, by mail, or at an ATM then there isno limit on the number of payments that may be made directly to you, directlyto us for amounts you owe us, or transfers to other accounts you have with us.Withdrawals by phone are also unlimited if you are requesting that a check bemailed to you.AMENDMENTS AND TERMINATION - We may change any term of thisagreement. Rules governing changes in interest rates are provided separatelyin the Truth-in-Savings disclosure or in another document. For other changes,we will give you reasonable notice in writing or by any other method permittedby law. We may also close this account at any time upon reasonable notice toyou and tender of the account balance personally or by mail. Items presentedfor payment after the account is closed may be dishonored. When you closeyour account, you are responsible for leaving enough money in the account tocover any outstanding items to be paid from the account. Reasonable noticedepends on the circumstances, and in some cases such as when we cannotverify your identity or we suspect fraud, it might be reasonable for us to giveyou notice after the change or account closure becomes effective. For instance,if we suspect fraudulent activity with respect to your account, we mightimmediately freeze or close your account and then give you notice. If we havenotified you of a change in any term of your account and you continue to haveyour account after the effective date of the change, you have agreed to the newterm(s).NOTICES - Any written notice you give us is effective when we actually receiveit, and it must be given to us according to the specific delivery instructionsprovided elsewhere, if any. We must receive it in time to have a reasonableopportunity to act on it. If the notice is regarding a check or other item, youmust give us sufficient information to be able to identify the check or item,including the precise check or item number, amount, date and payee. Writtennotice we give you is effective when it is deposited in the United States Mailwith proper postage and addressed to your mailing address we have on file.Notice to any of you is notice to all of you.



STATEMENTS - Your duty to report unauthorized signatures,alterations and forgeries - You must examine your statement of accountwith “reasonable promptness.” If you discover (or reasonably should havediscovered) any unauthorized signatures or alterations, you must promptlynotify us of the relevant facts. As between you and us, if you fail to do either ofthese duties, you will have to either share the loss with us, or bear the lossentirely yourself (depending on whether we used ordinary care and, if not,whether we substantially contributed to the loss). The loss could be not onlywith respect to items on the statement but other items with unauthorizedsignatures or alterations by the same wrongdoer. You agree that the time you have to examine your statement and report to uswill depend on the circumstances, but will not, in any circumstance, exceed atotal of 30 days from when the statement is first sent or made available to you.You further agree that if you fail to report any unauthorized signatures,alterations or forgeries in your account within 60 days of when we first send ormake the statement available, you cannot assert a claim against us on anyitems in that statement, and as between you and us the loss will be entirelyyours. This 60-day limitation is without regard to whether we used ordinarycare. The limitation in this paragraph is in addition to that contained in the firstparagraph of this section.Your duty to report other errors - In addition to your duty to review yourstatements for unauthorized signatures, alterations and forgeries, you agree toexamine your statement with reasonable promptness for any other error - suchas an encoding error. In addition, if you receive or we make available eitheryour items or images of your items, you must examine them for anyunauthorized or missing endorsements or any other problems. You agree thatthe time you have to examine your statement and items and report to us willdepend on the circumstances. However, this time period shall not exceed 60days. Failure to examine your statement and items and report any errors to uswithin 60 days of when we first send or make the statement available precludesyou from asserting a claim against us for any errors on items identified in thatstatement and as between you and us the loss will be entirely yours. Errors relating to electronic fund transfers or substitute checks - Forinformation on errors relating to electronic fund transfers (e.g., computer, debitcard or ATM transactions) refer to your Electronic Fund Transfers disclosureand the sections on consumer liability and error resolution. For information onerrors relating to a substitute check you received, refer to your disclosureentitled Substitute Checks and Your Rights.ACCOUNT TRANSFER - This account may not be transferred or assignedwithout our prior written consent. DIRECT DEPOSITS - If we are required for any reason to reimburse thefederal government for all or any portion of a benefit payment that was directlydeposited into your account, you authorize us to deduct the amount of ourliability to the federal government from the account or from any other accountyou have with us, without prior notice and at any time, except as prohibited bylaw. We may also use any other legal remedy to recover the amount of ourliability.TEMPORARY ACCOUNT AGREEMENT - If the account documentationindicates that this is a temporary account agreement, each person who signs toopen the account or has authority to make withdrawals (except as indicated tothe contrary) may transact business on this account. However, we may at sometime in the future restrict or prohibit further use of this account if you fail tocomply with the requirements we have imposed within a reasonable time.SETOFF - We may (without prior notice and when permitted by law) set off thefunds in this account against any due and payable debt any of you owe us nowor in the future. If this account is owned by one or more of you as individuals,we may set off any funds in the account against a due and payable debt apartnership owes us now or in the future, to the extent of your liability as apartner for the partnership debt. If your debt arises from a promissory note,then the amount of the due and payable debt will be the full amount we havedemanded, as entitled under the terms of the note, and this amount mayinclude any portion of the balance for which we have properly accelerated thedue date. This right of setoff does not apply to this account if prohibited by law. Forexample, the right of setoff does not apply to this account if: (a) it is anIndividual Retirement Account or similar tax-deferred account, or (b) the debt iscreated by a consumer credit transaction under a credit card plan (but this doesnot affect our rights under any consensual security interest), or (c) the debtor’sright of withdrawal only arises in a representative capacity, or (d) setoff isprohibited by the Military Lending Act or its implementing regulations. We willnot be liable for the dishonor of any check when the dishonor occurs becausewe set off a debt against this account. You agree to hold us harmless from anyclaim arising as a result of our exercise of our right of setoff. AUTHORIZED SIGNER (Individual Accounts only) - A single individual isthe owner. The authorized signer is merely designated to conduct transactionson the owner’s behalf. The owner does not give up any rights to act on theaccount, and the authorized signer may not in any manner affect the rights ofthe owner or beneficiaries, if any, other than by withdrawing funds from theaccount. The owner is responsible for any transactions of the authorized signer.We undertake no obligation to monitor transactions to determine that they areon the owner’s behalf.The owner may terminate the authorization at any time, and the authorizationis automatically terminated by the death of the owner. However, we maycontinue to honor the transactions of the authorized signer until: (a) we havereceived written notice or have actual knowledge of the termination of

authority, and (b) we have a reasonable opportunity to act on that notice orknowledge. We may refuse to accept the designation of an authorized signer.RESTRICTIVE LEGENDS OR ENDORSEMENTS - The automated processingof the large volume of checks we receive prevents us from inspecting orlooking for restrictive legends, restrictive endorsements or other specialinstructions on every check. Examples of restrictive legends placed on checksare “must be presented within 90 days” or “not valid for more than $1,000.00.”The payee’s signature accompanied by the words “for deposit only” is anexample of a restrictive endorsement. For this reason, we are not required tohonor any restrictive legend or endorsement or other special instruction placedon checks you write unless we have agreed in writing to the restriction orinstruction. Unless we have agreed in writing, we are not responsible for anylosses, claims, damages, or expenses that result from your placement of theserestrictions or instructions on your checks.GUARDIAN OR CUSTODIAL ACCOUNTS - This account is not subject todormant service charges if the deposit was made: (1) by a court or (2) by aguardian pursuant to order of a court or (3) by any other person for the benefitof a person who was an infant at the time of the making of such deposit andwhich deposit is subject to withdrawal only upon the further order of suchcourt or such guardian or other person. This account may become subject todormant service charges one year after such infant attains the age of eighteenyears or one year after the death of such infant, whichever occurs sooner. Atour option, we may require proof of guardian or custodial status.FACSIMILE SIGNATURES - Unless you make advance arrangements with us,we have no obligation to honor facsimile signatures on your checks or otherorders. If we do agree to honor items containing facsimile signatures, youauthorize us, at any time, to charge you for all checks, drafts, or other orders,for the payment of money, that are drawn on us. You give us this authorityregardless of by whom or by what means the facsimile signature(s) may havebeen affixed so long as they resemble the facsimile signature specimen filedwith us, and contain the required number of signatures for this purpose. Youmust notify us at once if you suspect that your facsimile signature is being orhas been misused.CHECK PROCESSING - We process items mechanically by relying solely onthe information encoded in magnetic ink along the bottom of the items. Thismeans that we do not individually examine all of your items to determine if theitem is properly completed, signed and endorsed or to determine if it containsany information other than what is encoded in magnetic ink. You agree that wehave exercised ordinary care if our automated processing is consistent withgeneral banking practice, even though we do not inspect each item. Becausewe do not inspect each item, if you write a check to multiple payees, we canproperly pay the check regardless of the number of endorsements unless younotify us in writing that the check requires multiple endorsements. We mustreceive the notice in time for us to have a reasonable opportunity to act on it,and you must tell us the precise date of the check, amount, check number andpayee. We are not responsible for any unauthorized signature or alteration thatwould not be identified by a reasonable inspection of the item. Using anautomated process helps us keep costs down for you and all account holders.CHECK CASHING - We may charge a fee for anyone that does not have anaccount with us who is cashing a check, draft or other instrument written onyour account. We may also require reasonable identification to cash such acheck, draft or other instrument. We can decide what identification isreasonable under the circumstances and such identification may bedocumentary or physical and may include collecting a thumbprint orfingerprint.STALE-DATED CHECKS - We are not obligated to, but may at our option, paya check, other than a certified check, presented for payment more than sixmonths after its date. If you do not want us to pay a stale-dated check, youmust place a stop-payment order on the check in the manner we havedescribed elsewhere.ENDORSEMENTS - We may accept for deposit any item payable to you oryour order, even if they are not endorsed by you. We may give cash back toany one of you. We may supply any missing endorsement(s) for any item weaccept for deposit or collection, and you warrant that all endorsements aregenuine.To ensure that your check or share draft is processed without delay, you mustendorse it (sign it on the back) in a specific area. Your entire endorsement(whether a signature or a stamp) along with any other endorsementinformation (e.g. additional endorsements, ID information, driver’s licensenumber, etc.) must fall within 11/2” of the “trailing edge” of a check.Endorsements must be made in blue or black ink, so that they are readable byautomated check processing equipment.As you look at the front of a check, the “trailing edge” is the left edge. Whenyou flip the check over, be sure to keep all endorsement information within 11/2”of that edge.


It is important that you confine the endorsement information to this area sincethe remaining blank space will be used by others in the processing of the checkto place additional needed endorsements and information. You agree that youwill indemnify, defend, and hold us harmless for any loss, liability, damage orexpense that occurs because your endorsement, another endorsement orinformation you have printed on the back of the check obscures ourendorsement.These endorsement guidelines apply to both personal and business checks.DEATH OR INCOMPETENCE - You agree to notify us promptly if any personwith a right to withdraw funds from your account(s) dies or is adjudicated(determined by the appropriate official) incompetent. We may continue tohonor your checks, items, and instructions until: (a) we know of your death oradjudication of incompetence, and (b) we have had a reasonable opportunity toact on that knowledge. You agree that we may pay or certify checks drawn onor before the date of death or adjudication of incompetence for up to ten (10)days after your death or adjudication of incompetence unless ordered to stoppayment by someone claiming an interest in the account.FIDUCIARY ACCOUNTS - Accounts may be opened by a person acting in afiduciary capacity. A fiduciary is someone who is appointed to act on behalf ofand for the benefit of another. We are not responsible for the actions of afiduciary, including the misuse of funds. This account may be opened andmaintained by a person or persons named as a trustee under a written trustagreement, or as executors, administrators, or conservators under court orders.You understand that by merely opening such an account, we are not acting inthe capacity of a trustee in connection with the trust nor do we undertake anyobligation to monitor or enforce the terms of the trust or letters.CREDIT VERIFICATION - You agree that we may verify credit andemployment history by any necessary means, including preparation of a creditreport by a credit reporting agency.LEGAL ACTIONS AFFECTING YOUR ACCOUNT - If we are served with asubpoena, restraining order, writ of attachment or execution, levy,garnishment, search warrant, or similar order relating to your account (termed“legal action” in this section), we will comply with that legal action. Or, in ourdiscretion, we may freeze the assets in the account and not allow any paymentsout of the account until a final court determination regarding the legal action.We may do these things even if the legal action involves less than all of you. Inthese cases, we will not have any liability to you if there are insufficient fundsto pay your items because we have withdrawn funds from your account or inany way restricted access to your funds in accordance with the legal action.Any fees or expenses we incur in responding to any legal action (including,without limitation, attorneys’ fees and our internal expenses) may be chargedagainst your account. The list of fees applicable to your account(s) providedelsewhere may specify additional fees that we may charge for certain legalactions.SECURITY - It is your responsibility to protect the account numbers andelectronic access devices (e.g., an ATM card) we provide you for youraccount(s). Do not discuss, compare, or share information about your accountnumber(s) with anyone unless you are willing to give them full use of yourmoney. An account number can be used by thieves to issue an electronic debitor to encode your number on a false demand draft which looks like andfunctions like an authorized check. If you furnish your access device and grantactual authority to make transfers to another person (a family member orcoworker, for example) who then exceeds that authority, you are liable for thetransfers unless we have been notified that transfers by that person are nolonger authorized.Your account number can also be used to electronically remove money fromyour account, and payment can be made from your account even though youdid not contact us directly and order the payment.You must also take precaution in safeguarding your blank checks. Notify us atonce if you believe your checks have been lost or stolen. As between you andus, if you are negligent in safeguarding your checks, you must bear the lossentirely yourself or share the loss with us (we may have to share some of theloss if we failed to use ordinary care and if we substantially contributed to theloss).

Except for consumer electronic funds transfers subject to Regulation E, youagree that if we offer you services appropriate for your account to help identifyand limit fraud or other unauthorized transactions against your account, suchas positive pay or commercially reasonable security procedures, and you rejectthose services, you will be responsible for any fraudulent or unauthorizedtransactions which could have been prevented by the services we offered,unless we acted in bad faith or to the extent our negligence contributed to theloss. If we offered you a commercially reasonable security procedure whichyou reject, you agree that you are responsible for any payment order, whetherauthorized or not, that we accept in compliance with an alternative securityprocedure that you have selected.TELEPHONIC INSTRUCTIONS - Unless required by law or we have agreedotherwise in writing, we are not required to act upon instructions you give usvia facsimile transmission or leave by voice mail or on a telephone answeringmachine.MONITORING AND RECORDING TELEPHONE CALLS AND CONSENTTO RECEIVE COMMUNICATIONS - Subject to federal and state law, we maymonitor or record phone calls for security reasons, to maintain a record and toensure that you receive courteous and efficient service. You consent in advanceto any such recording.To provide you with the best possible service in our ongoing businessrelationship for your account we may need to contact you about your accountfrom time to time by telephone, text messaging or email. However, we mustfirst obtain your consent to contact you about your account because we mustcomply with the consumer protection provisions in the federal TelephoneConsumer Protection Act of 1991 (TCPA), CAN-SPAM Act and their relatedfederal regulations and orders issued by the Federal CommunicationsCommission (FCC).

• Your consent is limited to your account, and as authorized by applicablelaw and regulations.

• Your consent does not authorize us to contact you for telemarketingpurposes (unless you otherwise agreed elsewhere).

With the above understandings, you authorize us to contact you regarding youraccount throughout its existence using any telephone numbers or emailaddresses that you have previously provided to us or that you maysubsequently provide to us.This consent is regardless of whether the number we use to contact you isassigned to a landline, a paging service, a cellular wireless service, aspecialized mobile radio service, other radio common carrier service or anyother service for which you may be charged for the call. You further authorizeus to contact you through the use of voice, voice mail and text messaging,including the use of pre-recorded or artificial voice messages and anautomated dialing device.If necessary, you may change or remove any of the telephone numbers oremail addresses at any time using any reasonable means to notify us.CLAIM OF LOSS - If you claim a credit or refund because of a forgery,alteration, or any other unauthorized withdrawal, you agree to cooperate withus in the investigation of the loss, including giving us an affidavit containingwhatever reasonable information we require concerning your account, thetransaction, and the circumstances surrounding the loss. You will notify lawenforcement authorities of any criminal act related to the claim of lost, missing,or stolen checks or unauthorized withdrawals. We will have a reasonableperiod of time to investigate the facts and circumstances surrounding any claimof loss. Unless we have acted in bad faith, we will not be liable for special orconsequential damages, including loss of profits or opportunity, or forattorneys’ fees incurred by you.You agree that you will not waive any rights you have to recover your lossagainst anyone who is obligated to repay, insure, or otherwise reimburse youfor your loss. You will pursue your rights or, at our option, assign them to us sothat we may pursue them. Our liability will be reduced by the amount yourecover or are entitled to recover from these other sources. EARLY WITHDRAWAL PENALTIES (and involuntary withdrawals) - Wemay impose early withdrawal penalties on a withdrawal from a time accounteven if you don’t initiate the withdrawal. For instance, the early withdrawalpenalty may be imposed if the withdrawal is caused by our setoff against fundsin the account or as a result of an attachment or other legal process. We mayclose your account and impose the early withdrawal penalty on the entireaccount balance in the event of a partial early withdrawal. See your notice ofpenalty for early withdrawals for additional information.ADDRESS OR NAME CHANGES - You are responsible for notifying us ofany change in your address or your name. Unless we agree otherwise, changeof address or name must be made in writing by at least one of the accountholders. Informing us of your address or name change on a check reorder formis not sufficient. We will attempt to communicate with you only by use of themost recent address you have provided to us. If provided elsewhere, we mayimpose a service fee if we attempt to locate you.RESOLVING ACCOUNT DISPUTES - We may place an administrative holdon the funds in your account (refuse payment or withdrawal of the funds) if itbecomes subject to a claim adverse to (1) your own interest; (2) others claimingan interest as survivors or beneficiaries of your account; or (3) a claim arisingby operation of law. The hold may be placed for such period of time as webelieve reasonably necessary to allow a legal proceeding to determine themerits of the claim or until we receive evidence satisfactory to us that thedispute has been resolved. We will not be liable for any items that aredishonored as a consequence of placing a hold on funds in your account forthese reasons.

FRONT OF CHECK

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© 2016 Wolters Kluwer Financial Services, Inc. All rights reserved.AIB-TIS-P 6/1/2016 3o Custom TCM-56v,2bi,4u 201261564-010 Page 6 of 14Personal Account Disclosures Page 6 of 14

WAIVER OF NOTICES - To the extent permitted by law, you waive any noticeof non-payment, dishonor or protest regarding any items credited to orcharged against your account. For example, if you deposit a check and it isreturned unpaid or we receive a notice of nonpayment, we do not have tonotify you unless required by federal Regulation CC or other law.ACH AND WIRE TRANSFERS - This agreement is subject to Article 4A of theUniform Commercial Code - Fund Transfers as adopted in the state in whichyou have your account with us. If you originate a fund transfer and you identifyby name and number a beneficiary financial institution, an intermediaryfinancial institution or a beneficiary, we and every receiving or beneficiaryfinancial institution may rely on the identifying number to make payment. Wemay rely on the number even if it identifies a financial institution, person oraccount other than the one named. You agree to be bound by automatedclearing house association rules. These rules provide, among other things, thatpayments made to you, or originated by you, are provisional until finalsettlement is made through a Federal Reserve Bank or payment is otherwisemade as provided in Article 4A-403(a) of the Uniform Commercial Code. If wedo not receive such payment, we are entitled to a refund from you in theamount credited to your account and the party originating such payment willnot be considered to have paid the amount so credited. Credit entries may bemade by ACH. If we receive a payment order to credit an account you have withus by wire or ACH, we are not required to give you any notice of the paymentorder or credit.POWER OF ATTORNEY - You may wish to appoint an agent to conducttransactions on your behalf. (We, however, have no duty or agreementwhatsoever to monitor or insure that the acts of the agent are for your benefit.)This may be done by allowing your agent to sign in that capacity on thesignature card or by separate form, such as a power of attorney. A power ofattorney continues until your death or the death of the person given the power.If the power of attorney is not “durable,” it is revoked when you becomeincompetent. We may continue to honor the transactions of the agent until: (a)we have received written notice or have actual knowledge of the termination ofthe authority or the death of an owner, and (b) we have had a reasonableopportunity to act on that notice or knowledge. You agree not to hold usresponsible for any loss or damage you may incur as a result of our followinginstructions given by an agent acting under a valid power of attorney.FDIC INSURANCE - Funds in your account(s) with us are insured by theFederal Deposit Insurance Corporation (FDIC) and backed by the full faith andcredit of the United States. The amount of insurance coverage you havedepends on the number of accounts you have with us that are of different“ownership.” An individual account is one unique form of “ownership”; a jointaccount, a pay-on-death account, and a self directed qualified retirementaccount (e.g., an IRA) are examples of some of the others. Deposit insurancefor a person’s self directed qualified retirement account is up to $250,000. (AnIRA is a self directed qualified retirement account as is any account where theowner decides where and how to invest the balance.) Funds are insured to$250,000 per depositor for the total of funds combined in all of your otherinsured accounts with us. If you want a more detailed explanation or additionalinformation, you may ask us or contact the FDIC. You can also visit the FDICwebsite at www.fdic.gov and click on the Deposit Insurance link. The linkincludes detailed contact information as well as a deposit insurance estimator.FDIC Merger Transition Rules - Under FDIC rules, funds on deposit at HomeTown Bank and American Nationalat the time of the merger will continue to be separately insured by the FDIC asif the funds were still held in separate banks. This special treatment willcontinue for six months after the merger or the first maturity date after themerger for Certificates of Deposit “CDs”. CDs that mature during the first six months following the legal merger date thatare renewed for the same dollar amount and term will continue to beseparately insured until the first maturity date after the six-month period. CDsthat mature during the six-month period and are renewed on any other basis(different term or for a different amount) will only be separately insuredthrough the six-month period after the merger. This six-month period allows you the opportunity to examine and restructureyour accounts to meet FDIC insurance guidelines, if needed. If you havequestions about your FDIC Insurance coverage: • Call the FDIC toll-free at 1-877-ASK-FDIC. • Refer to the FDIC website for additional details at www.fdic.gov. • Visit one of our offices.UNCLAIMED PROPERTY - The law establishes procedures under whichunclaimed property must be surrendered to the state. (We may have our ownrules regarding dormant accounts, and if we charge a fee for dormant accountsit will be disclosed to you elsewhere.) Generally, the funds in your account areconsidered unclaimed if you have not had any activity or communication withus regarding your account over a period of years. Ask us if you want furtherinformation about the period of time or type of activity that will prevent youraccount from being unclaimed. If your funds are surrendered to the state, youmay be able to reclaim them, but your claim must be presented to the state.Once your funds are surrendered, we no longer have any liability orresponsibility with respect to the funds.UTMA ACCOUNTS - Under the Uniform Transfers to Minors Act, the funds inthe account are owned by the child who has unconditional use of the accountwhen he or she reaches the age of majority. Before that time, the account maybe accessed only by the custodian (or successor custodian), and the funds mustbe used for the benefit of the child. We, however, have no duty or agreementwhatsoever to monitor or insure that the acts of the custodian (or successor

custodian) are for the child’s benefit. We are not responsible to monitor age oreligibility for an UTMA account, even though our records may include theminor’s date of birth. It is the custodian’s responsibility to properly distributethe funds in the account upon the minor’s death or attainment of the age ofmajority. For this type of account, the child’s SSN/TIN is used for the BackupWithholding Certification.CASH TRANSACTION REPORTING - To help law enforcement agenciesdetect illegal activities, the law requires all financial institutions to gather andreport information on some types of cash transactions. If the information weneed to complete the report is not provided, we are required to refuse tohandle the transaction. If you have any questions regarding these rules, pleasecontact your local Internal Revenue Service office.BACKUP WITHHOLDING/TIN CERTIFICATION - Federal tax law requires usto report interest payments we make to you of $10 or more in a year, and toinclude your taxpayer identification number (TIN) on the report (the taxpayeridentification number is your social security number if you are an individual).Interest includes dividends, interest and bonus payments for purposes of thisrule. Therefore, we require you to provide us with your TIN and to certify that itis correct. In some circumstances, federal law requires us to withhold and payto the IRS a percentage of the interest that is earned on funds in your accounts.This is known as backup withholding. We will not have to withhold interestpayments when you open your account if you certify your TIN and certify thatyou are not subject to backup withholding due to underreporting of interest.(There are special rules if you do not have a TIN but have applied for one, if youare a foreign person, or if you are exempt from the reporting requirements.)We may subsequently be required to begin backup withholding if the IRSinforms us that you supplied an incorrect TIN or that you underreported yourinterest income. LOST, DESTROYED, OR STOLEN CERTIFIED, CASHIER’S OR TELLER’SCHECKS - Under some circumstances you may be able to assert a claim forthe amount of a lost, destroyed, or stolen certified, cashier’s or teller’s check.To assert the claim: (a) you must be the remitter (or drawer of a certified check)or payee of the check, (b) we must receive notice from you describing the checkwith reasonable certainty and asking for payment of the amount of the check,(c) we must receive the notice in time for us to have a reasonable opportunityto act on it, and (d) you must give us a declaration (in a form we require) ofyour loss with respect to the check. You can ask us for a declaration form. Evenif all of these conditions are met, your claim may not be immediatelyenforceable. We may pay the check until the ninetieth day after the date of thecheck (or date of acceptance of a certified check). Therefore, your claim is notenforceable until the ninetieth day after the date of the check or date ofacceptance, and the conditions listed above have been met. If we have notalready paid the check, on the day your claim is enforceable we becomeobligated to pay you the amount of the check. We will pay you in cash or issueanother certified check.At our option, we may pay you the amount of the check before your claimbecomes enforceable. However, we will require you to agree to indemnify usfor any losses we might suffer. This means that if the check is presented afterwe pay your claim, and we pay the check, you are responsible to cover ourlosses. We may require you to provide a surety bond to assure that you canpay us if we suffer a loss. CHANGING ACCOUNT PRODUCTS - We may change your account toanother product offered by us at any time by giving you notice that youraccount will be changed to another product on a specified date. If your accountis a time account, the change will not occur before the next maturity date ofyour account. If you do not close your account before the date specified in thenotice, we may change your account to that other product on the date specifiedin the notice.TRANSACTIONS BY MAIL - You may deposit checks by mail. You shouldendorse the check being sent through the mail with the words “For DepositOnly” and should include your correct account number underneath to ensurethe check is credited to the correct account. You should use the pre-encodedchecking deposit slips found behind your checks in your checkbook. If you donot use your deposit slip or provide us with instructions indicating how orwhere the check should be credited, we may apply it to any account or any loanbalance you have with us or we may return the check to you. Receipts for suchtransactions will be mailed to you only if a self-addressed stamped envelope isprovided. Following your deposit, examine your statement carefully or call usto ensure that we received the item. Do not send cash through the mail fordeposit. CHECK STORAGE AND COPIES - You agree that you will not receive yourcanceled checks. We will store your canceled checks or copies of them for areasonable retention period. You may request copies from us in the manner werequire.TRUNCATION, SUBSTITUTE CHECKS, AND OTHER CHECK IMAGES - Ifyou truncate an original check and create a substitute check, or other paper orelectronic image of the original check, you warrant that no one will be asked tomake payment on the original check, a substitute check or any other electronicor paper image, if the payment obligation relating to the original check hasalready been paid. You also warrant that any substitute check you createconforms to the legal requirements and generally accepted specifications forsubstitute checks. You agree to retain the original check in conformance withour internal policy for retaining original checks. You agree to indemnify us forany loss we may incur as a result of any truncated check transaction youinitiate. We can refuse to accept substitute checks that have not previouslybeen warranted by a bank or other financial institution in conformance with theCheck 21 Act. Unless specifically stated in a separate agreement between you


and us, we do not have to accept any other electronic or paper image of anoriginal check.REMOTELY CREATED CHECKS - Like any standard check or draft, aremotely created check (sometimes called a telecheck, preauthorized draft ordemand draft) is a check or draft that can be used to withdraw money from anaccount. Unlike a typical check or draft, however, a remotely created check isnot issued by the paying bank and does not contain the signature of theaccount owner (or a signature purported to be the signature of the accountowner). In place of a signature, the check usually has a statement that theowner authorized the check or has the owner’s name typed or printed on thesignature line. You warrant and agree to the following for every remotely created check wereceive from you for deposit or collection: (1) you have received express andverifiable authorization to create the check in the amount and to the payee thatappears on the check; (2) you will maintain proof of the authorization for atleast 2 years from the date of the authorization, and supply us the proof if weask; and (3) if a check is returned you owe us the amount of the check,regardless of when the check is returned. We may take funds from youraccount to pay the amount you owe us, and if there are insufficient funds inyour account, you still owe us the remaining balance.UNLAWFUL INTERNET GAMBLING NOTICE - Restricted transactions asdefined in Federal Reserve Regulation GG are prohibited from being processedthrough this account or relationship. Restricted transactions generally include,but are not limited to, those in which credit, electronic fund transfers, checks, ordrafts are knowingly accepted by gambling businesses in connection with theparticipation by others in unlawful Internet gambling. HEALTH SAVINGS ACCOUNTS (HSA) - For your convenience, we permityou to take distributions from your HSA by check. This feature can raise avariety of tax concerns – for example getting additional cash back on an HSAchecking transaction. As a result, if you have more than one account with us, itis a good practice to make sure you are using the appropriate checkbook for thetransaction. Also, it is your responsibility to ensure your distributions and otheractions related to the HSA comply with the law, including federal tax law. Asalways, we recommend consulting a legal or tax professional if you have anyquestions about managing your HSA. The terms of this agreement are intendedto work in conjunction with the HSA Agreement provided to you earlier. In theevent of a conflict, the terms of the HSA Agreement control. You understandthat your HSA is intended to be used for payment of qualified medicalexpenses. It is your responsibility to satisfy any tax liability resulting from useof your HSA for any purpose other than payment or reimbursement of qualifiedmedical expenses. We do not monitor the purpose of any transaction to orfrom your HSA. Nor are we responsible for ensuring your eligibility for makingcontributions or ensuring withdrawals are used for payment or reimbursementof qualified medical expenses. Refer to your HSA Agreement for moreinformation relating to the use of your HSA. INTERNATIONAL ACH TRANSACTIONS - Financial institutions are requiredby law to scrutinize or verify any international ACH transaction (IAT) that theyreceive against the Specially Designated Nationals (SDN) list of the Office ofForeign Assets Control (OFAC). This action may, from time to time, cause us totemporarily suspend processing of an IAT and potentially affect the settlementand/or availability of such payments.FUNDS TRANSFERS - The terms used in this section have the meaning givento them in Article 4A of the Uniform Commercial Code - Funds Transfers (UCC4A). This section will generally not apply to you if you are a consumer.However, even if you are a consumer, this section will apply to that part of anyfunds transfer that is conducted by Fedwire. This section is subject to UCC 4Aas adopted in the state in which you have your deposit with us. This agreementis also subject to all clearing house association rules, rules of the Board ofGovernors of the Federal Reserve System and their operating circulars. If anypart of this agreement is determined to be unenforceable, the rest of theagreement remains effective. This agreement controls funds transfers unlesssupplemented or amended in a separate written agreement signed by us. Thisagreement does not apply to a funds transfer if any part of the transfer isgoverned by the Electronic Fund Transfer Act of 1978 (EFTA), except thisagreement does apply to a funds transfer that is a remittance transfer asdefined in EFTA unless the remittance transfer is an electronic fund transfer asdefined in EFTA.Funds transfer - A funds transfer is the transaction or series of transactionsthat begin with the originator’s payment order, made for the purpose of makingpayment to the beneficiary of the order. A funds transfer is completed by theacceptance by the beneficiary’s bank of a payment order for the benefit of thebeneficiary of the originator’s order. You may give us a payment order orally,electronically, or in writing, but your order cannot state any condition topayment to the beneficiary other than the time of payment. Credit entries maybe made by ACH.Authorized account - An authorized account is a deposit account you havewith us that you have designated as a source of payment of payment ordersyou issue to us. If you have not designated an authorized account, any accountyou have with us is an authorized account to the extent that payment of thepayment order is not inconsistent with the use of the account.Acceptance of your payment order - We are not obligated to accept anypayment order that you give us, although we normally will accept yourpayment order if you have a withdrawable credit in an authorized accountsufficient to cover the order. If we do not execute your payment order, but giveyou notice of our rejection of your payment order after the execution date orgive you no notice, we are not liable to pay you as restitution any interest on awithdrawable credit in a non-interest-bearing account.

Cutoff time - If we do not receive your payment order or communicationcanceling or amending a payment order before our cutoff time on a fundstransfer day for that type of order or communication, the order orcommunication will be deemed to be received at the opening of our next fundstransfer business day.Payment of your order - If we accept a payment order you give us, we mayreceive payment by automatically deducting from any authorized account theamount of the payment order plus the amount of any expenses and charges forour services in execution of your payment order. We are entitled to payment onthe payment or execution date. Unless your payment order specifies otherwise,the payment or execution date is the funds transfer date we receive thepayment order. The funds transfer is completed upon acceptance by thebeneficiary’s bank. Your obligation to pay your payment order is excused if thefunds transfer is not completed, but you are still responsible to pay us anyexpenses and charges for our services. However, if you told us to route thefunds transfer through an intermediate bank, and we are unable to obtain arefund because the intermediate bank that you designated has suspendedpayments, then you are still obligated to pay us for the payment order. You willnot be entitled to interest on any refund you receive because the beneficiary’sbank does not accept the payment order.Security procedure - As described more fully in a separate writing, theauthenticity of a payment order or communication canceling or amending apayment order issued in your name as sender may be verified by a securityprocedure. You affirm that you have no circumstances which are relevant to thedetermination of a commercially reasonable security procedure unless thosecircumstances are expressly contained in a separate writing signed by us. Youmay choose from one or more security procedures that we have developed, oryou may develop your own security procedure if it is acceptable to us. If yourefuse a commercially reasonable security procedure that we have offered you,you agree that you will be bound by any payment order issued in your name,whether or not authorized, that we accept in good faith and in compliance withthe security procedure you have chosen.Duty to report unauthorized or erroneous payment - You must exerciseordinary care to determine that all payment orders or amendments to paymentorders that we accept that are issued in your name are authorized, enforceable,in the correct amount, to the correct beneficiary, and not otherwise erroneous. Ifyou discover (or with reasonable care should have discovered) an unauthorized,unenforceable, or erroneously executed payment order or amendment, youmust exercise ordinary care to notify us of the relevant facts. The time you haveto notify us will depend on the circumstances, but that time will not in anycircumstance exceed 14 days from when you are notified of our acceptance orexecution of the payment order or amendment or that your account was debitedwith respect to the order or amendment. If you do not provide us with timelynotice you will not be entitled to interest on any refundable amount. If we canprove that you failed to perform either of these duties with respect to anerroneous payment and that we incurred a loss as a result of the failure, you areliable to us for the amount of the loss not exceeding the amount of your order.Identifying number - If your payment order identifies an intermediate bank,beneficiary bank, or beneficiary by name and number, we and every receivingor beneficiary bank may rely upon the identifying number rather than the nameto make payment, even if the number identifies an intermediate bank or persondifferent than the bank or beneficiary identified by name. Neither we nor anyreceiving or beneficiary bank have any responsibility to determine whether thename and identifying number refer to the same financial institution or person.Record of oral or telephone orders - You agree that we may, if we choose,record any oral or telephone payment order or communication of amendmentor cancelation.Notice of credit - If we receive a payment order to credit an account you havewith us, we are not required to provide you with any notice of the paymentorder or the credit.Provisional credit - You agree to be bound by the automated clearing houseassociation operating rules that provide that payments made to you ororiginated by you by funds transfer through the automated clearing housesystem are provisional until final settlement is made through a Federal ReserveBank or otherwise payment is made as provided in Article 4A-403(a) of theUniform Commercial Code.Refund of credit - You agree that if we do not receive payment of an amountcredited to your account, we are entitled to a refund from you in the amountcredited and the party originating such payment will not be considered to havepaid the amount so credited.Amendment of funds transfer agreement - From time to time we mayamend any term of this agreement by giving you reasonable notice in writing.We may give notice to anyone who is authorized to send payment orders to usin your name, or to anyone who is authorized to accept service.Cancelation or amendment of payment order - You may cancel or amenda payment order you give us only if we receive the communication ofcancelation or amendment before our cutoff time and in time to have areasonable opportunity to act on it before we accept the payment order. Thecommunication of cancelation or amendment must be presented in conformitywith the same security procedure that has been agreed to for payment orders.Intermediaries - We are not liable for the actions of any intermediary,regardless of whether or not we selected the intermediary. We are notresponsible for acts of God, outside agencies, or nonsalaried agents.Limit on liability - You waive any claim you may have against us forconsequential or special damages, including loss of profit arising out of apayment order or funds transfer, unless this waiver is prohibited by law. We


are not responsible for attorney fees you might incur due to erroneousexecution of payment order.Erroneous execution - If we receive an order to pay you, and we erroneouslypay you more than the amount of the payment order, we are entitled to recoverfrom you the amount in excess of the amount of the payment order, regardlessof whether you may have some claim to the excess amount against theoriginator of the order.Objection to payment - If we give you a notice that reasonably identifies apayment order issued in your name as sender that we have accepted andreceived payment for, you cannot claim that we are not entitled to retain thepayment unless you notify us of your objection to the payment within one yearof our notice to you.

————————————————————————————————————ELECTRONIC FUND TRANSFERS

YOUR RIGHTS AND RESPONSIBILITIESIndicated below are types of Electronic Fund Transfers we are capable of

handling, some of which may not apply to your account. Please read thisdisclosure carefully because it tells you your rights and obligations for thetransactions listed. You should keep this notice for future reference.Electronic Fund Transfers Initiated By Third Parties. You may authorize athird party to initiate electronic fund transfers between your account and thethird party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use theAutomated Clearing House (ACH) or other payments network. Yourauthorization to the third party to make these transfers can occur in a numberof ways. For example, your authorization to convert a check to an electronicfund transfer or to electronically pay a returned check charge can occur when amerchant provides you with notice and you go forward with the transaction(typically, at the point of purchase, a merchant will post a sign and print thenotice on a receipt). In all cases, these third party transfers will require you toprovide the third party with your account number and bank information. Thisinformation can be found on your check as well as on a deposit or withdrawalslip. Thus, you should only provide your bank and account information(whether over the phone, the Internet, or via some other method) to trustedthird parties whom you have authorized to initiate these electronic fundtransfers. Examples of these transfers include, but are not limited to:

• Preauthorized credits. You may make arrangements for certain directdeposits to be accepted into your checking, savings, or money marketaccount(s).

• Preauthorized payments. You may make arrangements to pay certainrecurring bills from your checking, savings, or money market account(s).

• Electronic check conversion. You may authorize a merchant or otherpayee to make a one-time electronic payment from your checkingaccount using information from your check to pay for purchases or paybills.

• Electronic returned check charge. You may authorize a merchant orother payee to initiate an electronic funds transfer to collect a charge inthe event a check is returned for insufficient funds.

Telephone Transfers - types of transfers - You may access your accountby telephone at (434) 773-2234 or (877) 534-2345 (toll free) 24 hours a day usingyour personal identification number, a touch tone phone, and your accountnumbers, to:

• transfer funds among deposit accounts, including checking, savings andmoney market

• make payments from checking, savings or money market accounts toloan accounts

• get information about:- the account balance of checking, savings and/or money market

accounts- the account balance of certificates of deposit- deposits to or withdrawals from checking, savings and/or money

market accountsATM Transfers - types of transfers and frequency and dollarlimitations - You may access your account(s) by ATM using your ATM cardand personal identification number, or American National Bank Visa® CheckCard and personal identification number, to:

• get cash withdrawals from checking account(s) - you may withdraw no more than $600.00 per day

• get cash withdrawals from savings account(s) - you may make no more than six withdrawals per statement cycle - you may withdraw no more than $600.00 per day or per withdrawal

• get cash withdrawals from money market account(s) - you may make no more than six withdrawals per statement cycle- you may withdraw no more than $600.00 per day or per withdrawal

• transfer funds from savings to checking or money market account(s) - you may make no more than six transfers per statement cycle

• transfer funds from checking to savings or money market account(s) • transfer funds from money market to savings or checking account(s)

- you may make no more than six transfers per statement cycle

• get information about:- the account balance of your checking, savings and/or money market

account(s)Some of these services may not be available at all terminals.Types of American National Bank Visa® Check Card Transactions -You may access your checking account to purchase goods (in person, online, orby phone), pay for services (in person, online, or by phone), get cash from amerchant, if the merchant permits, or from a participating financial institution,and do anything that a participating merchant will accept.You may not access your savings or money market account(s) with your VISA®Check Card for point-of-sale transactions.Visa® Check Card Transactions - dollar limitations - Using your debitcard:

• you may not exceed $2,500.00 in transactions per day Currency Conversion and International Transactions. When you use yourVisa® Check Card at a merchant that settles in currency other than US dollars,the charge will be converted into the US dollar amount. The currencyconversion rate used to determine the transaction amount in US dollars iseither a rate selected by Visa from the range of rates available in wholesalecurrency markets for the applicable central processing date, which rate mayvary from the rate Visa itself receives, or the government-mandated rate ineffect for the applicable central processing date. The conversion rate in effecton the processing date may differ from the rate in effect on the transaction dateor posting date.Visa USA charges us a .8% International Service Assessment on allinternational transactions, regardless of whether there is a currencyconversion. If there is a currency conversion, the International ServiceAssessment is 1% of the transaction. In either case, we pass this internationaltransaction fee on to you. An international transaction is a transaction wherethe country of the merchant is outside the USA.Advisory Against Illegal Use. You agree not to use your card(s) for illegalgambling or other illegal purpose. Display of a payment card logo by, forexample, an online merchant does not necessarily mean that transactions arelawful in all jurisdictions in which the cardholder may be located.Non-Visa Debit Transaction Processing. We have enabled non-Visa debittransaction processing. This means you may use your Visa-branded debit cardon a PIN-Debit Network* (a non-Visa network) without using a PIN.The provisions of your agreement with us relating only to Visa transactions arenot applicable to non-Visa transactions. For example, the additional limits onliability (sometimes referred to as Visa's zero-liability program) and thestreamlined error resolution procedures offered on Visa debit card transactionsare not applicable to transactions processed on a PIN-Debit Network. *Visa Rules generally define PIN-Debit Network as a non-Visa debit networkthat typically authenticates transactions by use of a personal identificationnumber (PIN) but that is not generally known for having a card program.

FEES• We do not charge for direct deposits to any type of account.• Refer to the accompanying insert for fee information.Except as indicated elsewhere, we do not charge for these electronic fund

transfers.ATM Operator/Network Fees. When you use an ATM not owned by us, youmay be charged a fee by the ATM operator or any network used (and you maybe charged a fee for a balance inquiry even if you do not complete a fundtransfer).

DOCUMENTATION• Terminal transfers. You can get a receipt at the time you make a

transfer to or from your account using an automated teller machine orpoint-of-sale terminal. However, you may not get a receipt if the amountof the transfer is $15 or less.

• Preauthorized credits. If you have arranged to have direct depositsmade to your account at least once every 60 days from the same personor company:

• the person or company making the deposit will tell you every timethey send us the money and

• you can call us at the telephone number listed in this disclosure tofind out whether or not the deposit has been made.

• Periodic statements.You will get a monthly account statement from us for your checking

and money market accounts.You will get a monthly account statement from us for your savings

accounts, unless there are no transfers in a particular month. In any case,you will get a statement at least quarterly.

PREAUTHORIZED PAYMENTS• Right to stop payment and procedure for doing so. If you have told

us in advance to make regular payments out of your account, you canstop any of these payments. Here is how:

Call or write us at the telephone number or address listed in thisdisclosure in time for us to receive your request 3 business days or morebefore the payment is scheduled to be made. If you call, we may alsorequire you to put your request in writing and get it to us within 14 daysafter you call.


• Notice of varying amounts. If these regular payments may vary inamount, the person you are going to pay will tell you, 10 days beforeeach payment, when it will be made and how much it will be. (You maychoose instead to get this notice only when the payment would differ bymore than a certain amount from the previous payment, or when theamount would fall outside certain limits that you set.)

• Liability for failure to stop payment of preauthorized transfer. Ifyou order us to stop one of these payments 3 business days or morebefore the transfer is scheduled, and we do not do so, we will be liable foryour losses or damages.

FINANCIAL INSTITUTION'S LIABILITYLiability for failure to make transfers. If we do not complete a transfer

to or from your account on time or in the correct amount according to ouragreement with you, we will be liable for your losses or damages. However,there are some exceptions. We will not be liable, for instance:

(1) If, through no fault of ours, you do not have enough money in youraccount to make the transfer.

(2) If you have an overdraft line and the transfer would go over the creditlimit.

(3) If the automated teller machine where you are making the transfer doesnot have enough cash.

(4) If the terminal or system was not working properly and you knew aboutthe breakdown when you started the transfer.

(5) If circumstances beyond our control (such as fire or flood) prevent thetransfer, despite reasonable precautions that we have taken.

(6) There may be other exceptions stated in our agreement with you.CONFIDENTIALITY

We will disclose information to third parties about your account or thetransfers you make:

(1) where it is necessary for completing transfers; or(2) in order to verify the existence and condition of your account for a third

party, such as a credit bureau or merchant; or(3) in order to comply with government agency or court orders; or(4) as explained in the Privacy Disclosure contained elsewhere in this

document.UNAUTHORIZED TRANSFERS

(a) Consumer liability.• Generally. Tell us AT ONCE if you believe your card and/or code has been

lost or stolen, or if you believe that an electronic fund transfer has been madewithout your permission using information from your check. Telephoning is thebest way of keeping your possible losses down. You could lose all the moneyin your account (plus your maximum overdraft line of credit). If you tell uswithin 2 business days after you learn of the loss or theft of your card and/orcode, you can lose no more than $50 if someone used your card and/or codewithout your permission.

If you do NOT tell us within 2 business days after you learn of the loss ortheft of your card and/or code, and we can prove we could have stoppedsomeone from using your card and/or code without your permission if you hadtold us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, includingthose made by card, code or other means, tell us at once. If you do not tell uswithin 60 days after the statement was mailed to you, you may not get backany money you lost after the 60 days if we can prove that we could havestopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from tellingus, we will extend the time periods.

• Additional Limit on Liability for Visa® Check Card. Unless you have beennegligent or have engaged in fraud, you will not be liable for any unauthorizedtransactions using your lost or stolen Visa® Check Card. This additional limit onliability does not apply to ATM transactions outside of the U.S., to ATMtransactions not sent over Visa or Plus networks, or to transactions using yourPersonal Identification Number which are not processed by VISA®. Visa is aregistered trademark of Visa International Service Association.

(b) Contact in event of unauthorized transfer. If you believe your cardand/or code has been lost or stolen, call or write us at the telephone number oraddress listed in this disclosure. You should also call the number or write to theaddress listed in this disclosure if you believe a transfer has been made usingthe information from your check without your permission.

ERROR RESOLUTION NOTICEIn Case of Errors or Questions About Your Electronic Transfers, Call or

Write us at the telephone number or address listed in this disclosure, as soonas you can, if you think your statement or receipt is wrong or if you need moreinformation about a transfer listed on the statement or receipt. We must hearfrom you no later than 60 days after we sent the FIRST statement on which theproblem or error appeared.

(1) Tell us your name and account number (if any).(2) Describe the error or the transfer you are unsure about, and explain as

clearly as you can why you believe it is an error or why you need moreinformation.

(3) Tell us the dollar amount of the suspected error.If you tell us orally, we may require that you send us your complaint or

question in writing within 10 business days.We will determine whether an error occurred within 10 business days (5

business days for Visa® Check Card point-of-sale transactions processed by

Visa and 20 business days if the transfer involved a new account) after we hearfrom you and will correct any error promptly. If we need more time, however,we may take up to 45 days (90 days if the transfer involved a new account, apoint-of-sale transaction, or a foreign-initiated transfer) to investigate yourcomplaint or question. If we decide to do this, we will credit your accountwithin 10 business days (5 business days for Visa® Check Card point-of-saletransactions processed by Visa and 20 business days if the transfer involved anew account) for the amount you think is in error, so that you will have the useof the money during the time it takes us to complete our investigation. If we askyou to put your complaint or question in writing and we do not receive it within10 business days, we may not credit your account. Your account is considereda new account for the first 30 days after the first deposit is made, unless each ofyou already has an established account with us before this account is opened.

We will tell you the results within three business days after completing ourinvestigation. If we decide that there was no error, we will send you a writtenexplanation.

You may ask for copies of the documents that we used in our investigation.AMERICAN NATIONAL BANK AND TRUST COMPANY

DEPOSIT OPERATIONS MANAGERP.O. BOX 191

DANVILLE, VIRGINIA 24543Business Days: Monday through Friday

Excluding Federal HolidaysPhone: (434) 792-5111

800-240-8190 (Toll Free)MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST

————————————————————————————————————OVERDRAFT EXPRESS DISCLOSURE

Applicable to HomeTown Bank consumer customers who authorized the payment of overdrafts for one-time

debit card purchases and ATM withdrawals.At HomeTown Bank, if you authorized the payment of overdrafts for one-timedebit card purchases and ATM withdrawals associated with your HomeTownBank Free Checking account ($150 limit), Advantage Checking account ($250limit), or Star Checking account ($500 limit), you will be converted to AmericanNational’s Overdraft Express overdraft protection coverage. With OverdraftExpress, we will also generally pay your overdrafts created by checks, recurringdebits, and automated clearinghouse (ACH) transactions (items) up to $500,including any Bank fees, in addition to one-time debit card purchases and ATMwithdrawals. When overdraft items are paid, this feature can save you the embarrassmentand inconvenience of a returned item, as well as the fee many merchantscharge when an insufficient funds item is returned to them. Overdraft Express Opt OutYou have the right to opt out of Overdraft Express and the payment ofoverdrafts for one-time debit card purchases and ATM withdrawals. You maydo this by calling us at 1.800.240.8190 or visiting your local American Nationaloffice for additional information. Opting out of Overdraft Express willautomatically revoke your authorization to pay overdrafts on ATM and one-time debit card transactions. Overdraft Express FeatureWith Overdraft Express, we will generally approve your overdrafts created bycheck, recurring debits, and ACH transactions up to your Overdraft Expresslimit of $500, including any Bank fees. We will also approve overdrafts on ATMand one-time debit card transactions within your Overdraft Express limit sinceyou have expressly consented for coverage of those items. Our normal overdraft fee of $36.00 will be assessed for each item paid. That feewill be waived on items of $5.00 or less or if your account is overdrawn by$5.00 or less after all items have been paid. You may incur multiple fees in oneday, up to a maximum of six (6) or $216.00, when more than one item ispresented against insufficient funds and paid under this Overdraft Expressfeature. You will be notified anytime your checking account is overdrawn, and you mayreceive additional notices periodically advising you of a continuing overdraftuntil your account has a positive balance. The Bank expects you to make adeposit in a timely manner to cover your overdraft. If your checking account isnot brought to a positive balance within thirty (30) days, the Overdraft Expressfeature, without further notice to you, will be revoked and legal action may beinitiated to recover the amount of your overdraft plus fees assessed, courtcosts, and reasonable attorneys’ fees. If your assigned limit is exceeded, or ifthe bank determines that paying an item(s) does not constitute sound bankingpractice, the Bank may return the item(s) without further notice or obligation.Approval of overdrafts through the Bank’s Overdraft Express feature onchecking accounts is a discretionary service and may be withdrawn at any time.The Bank is not obligated to pay any item presented for payment when youraccount does not have sufficient funds available. We typically do not payoverdrafts if 1) your account is not in good standing,2) you are not making regular deposits,3) you have too many overdrafts,4 the amount of the overdraft is deemed excessive by the Bank, or5) for any reason at the sole discretion of the Bank.


Overdraft PracticesThe Terms and Conditions of Your Account specify your duties, obligations andrights as the Account Holder along with any other Authorized Signer withregard to your checking account. The Bank does not encourage the writing ofchecks, or otherwise withdrawing of funds, on accounts with insufficient funds.However, we understand there are occasional situations when an overdraftmay occur. Generally, the Bank will take one of three actions when an item ispresented against insufficient funds. These include:1) If a customer has Overdraft Express, we will generally pay certain item(s)

up to a predetermined limit of $500, including any Bank fees. 2) If a customer has prearranged another overdraft protection service with the

bank, we will pay any items within the terms of the agreement. Otheroverdraft protection services provide coverage for designated checkingaccounts by drawing from an established line of credit, savings account,checking account, money market account, or home equity line to avoid areturned item(s) resulting from non-sufficient funds. Separate documentsare completed for these types of service.

3) The Bank will generally return the item(s) to the payee due to insufficientfunds.

In each case, the bank may assess a reasonable service fee, some lessexpensive than others. The categories of transactions for which an overdraft(non-sufficient funds) fee may be imposed are those by any of the followingmeans: check, in-person withdrawal, ATM withdrawal, or other electronicmeans. To discuss other overdraft protection options available, please contactus at 1.800.240.8190 or visit your local American National office.Payment Order of ItemsThe order in which items are paid is important if the funds in your account arenot sufficient to pay all of the items that are presented. The payment order canaffect the number of items overdrawn or returned unpaid and the amount ofthe fees you may have to pay. To assist you in managing your account, pleasereview the Payment Order of Items section.

————————————————————————————————————YOUR ABILITY TO WITHDRAW FUNDS

This policy statement applies to “transaction” accounts. Transactionaccounts, in general, are accounts which permit an unlimited number ofpayments to third persons and an unlimited number of telephone andpreauthorized transfers to other accounts of yours with us. Checking accountsare the most common transaction accounts. Feel free to ask us whether any ofyour other accounts might also be under this policy.

Our policy is to make funds from your cash deposits available to you on thesame day as your deposit, and funds from your check deposits available to youon the first business day after the day we receive your deposit. Electronic directdeposits will be available on the day we receive the deposit. Once the funds areavailable, you can withdraw them in cash and we will use the funds to paychecks that you have written.

Please remember that even after we have made funds available to you, andyou have withdrawn the funds, you are still responsible for checks you depositthat are returned to us unpaid and for any other problems involving yourdeposit.

For determining the availability of your deposits, every day is a businessday, except Saturdays, Sundays, and federal holidays. If you make a depositbefore closing on a business day that we are open, we will consider that day tobe the day of your deposit. However, if you make a deposit after closing or on aday we are not open, we will consider that the deposit was made on the nextbusiness day we are open.

If you make a deposit at an ATM before 5:00 P.M. on a business day that weare open, we will consider that day to be the day of your deposit. However, ifyou make a deposit at an ATM after 5:00 P.M. or on a day we are not open, wewill consider that the deposit was made on the next business day we are open.

If we cash a check for you that is drawn on another bank, we may withholdthe availability of a corresponding amount of funds that are already in youraccount. Those funds will be available at the time funds from the check wecashed would have been available if you had deposited it.

If we accept for deposit a check that is drawn on another bank, we maymake funds from the deposit available for withdrawal immediately but delayyour availability to withdraw a corresponding amount of funds that you haveon deposit in another account with us. The funds in the other account wouldthen not be available for withdrawal until the time periods that are describedelsewhere in this disclosure for the type of check that you deposited.

LONGER DELAYS MAY APPLYCase-by-case delays. In some cases, we will not make all of the funds that

you deposit by check available to you on the first business day after the day ofyour deposit. Depending on the type of check that you deposit, funds may notbe available until the second business day after the day of your deposit. Thefirst $200 of your deposits, however, will be available on the first business day.

If we are not going to make all of the funds from your deposit available onthe first business day, we will notify you at the time you make your deposit. Wewill also tell you when the funds will be available. If your deposit is not madedirectly to one of our employees, or if we decide to take this action after youhave left the premises, we will mail you the notice by the day after we receiveyour deposit.

If you will need the funds from a deposit right away, you should ask uswhen the funds will be available.

Safeguard exceptions. In addition, funds you deposit by check may bedelayed for a longer period under the following circumstances:

We believe a check you deposit will not be paid. You deposit checks totaling more than $5,000 on any one day.You redeposit a check that has been returned unpaid.You have overdrawn your account repeatedly in the last six months.There is an emergency, such as failure of computer or communicationsequipment.We will notify you if we delay your ability to withdraw funds for any of

these reasons, and we will tell you when the funds will be available. They willgenerally be available no later than the seventh business day after the day ofyour deposit.

SPECIAL RULES FOR NEW ACCOUNTSIf you are a new customer, the following special rules will apply during the

first 30 days your account is open.Funds from electronic direct deposits to your account will be available on

the day we receive the deposit. Funds from deposits of cash, wire transfers,and the first $5,000 of a day’s total deposits of cashier’s, certified, teller’s,traveler’s, and federal, state and local government checks will be available onthe first business day after the day of your deposit if the deposit meets certainconditions. For example, the checks must be payable to you (and you may haveto use a special deposit slip). The excess over $5,000 will be available on theninth business day after the day of your deposit. If your deposit of these checks(other than a U.S. Treasury check) is not made in person to one of ouremployees, the first $5,000 will not be available until the second business dayafter the day of your deposit.

Funds from all other check deposits will be available on the eleventhbusiness day after the day of your deposit.

————————————————————————————————————PAYMENT ORDER OF ITEMS

The order in which items are paid is important if there is not enough money inyour account to pay all of the items that are presented. The payment order canaffect the number of items overdrawn or returned unpaid and the amount ofthe fees you may have to pay. To assist you in managing your account, we areproviding you with the following information regarding how we process thoseitems. Our policy is to process transfers, wire transfers, and bill pay transactions forwhich the receiver accepts ACH payments first, in numerical order by serialnumber when our systems receive the serial number, on the day they areprocessed. If serial number is not available, these transactions are processedby dollar amount - smallest to largest, before the items with serial numbers. We process on-us checks cashed in a branch and withdrawals in a branchsecond, in numerical order by check number when our systems receive thecheck number, on the day they are processed; otherwise, the transactions areprocessed by dollar amount - smallest to largest - before items with checknumbers. We process ATM transactions third, in chronological order when our systemsreceive date and time information, on the day they are processed; otherwise,the transactions are processed by dollar amount - smallest to largest - afteritems with time detail. We process debit card point-of-sale transactions fourth, in chronological orderwhen our systems receive date and time information, on the day they areprocessed; otherwise, the transactions are processed by dollar amount -smallest to largest - after items with time detail. We process ACH debits (commonly referred to as preauthorized or automaticpayments and include electronic check conversions and remotely createdchecks) fifth, in numerical order by serial number when our systems receive theserial number, on the day they are processed. If serial number is not available,these transactions are processed by dollar amount - smallest to largest, beforeitems with serial numbers. We process all other checks and similar items (including paper checks issuedfor bill pay transactions for which the receiver does not accept ACH payments)sixth, in numerical order by check number when our systems receive the checknumber, on the day they are processed. If check number is not available, thesetransactions are processed by dollar amount - smallest to largest - before itemswith check numbers. If a check, item or transaction is presented without sufficient funds in youraccount to pay it, we may, at our discretion, pay the item (creating an overdraft)or return the item for insufficient funds (NSF). We will not charge you a fee forpaying an overdraft of an ATM or everyday debit card transaction if this is aconsumer account and you have not opted-in to that service. The amounts ofthe overdraft and NSF fees are disclosed elsewhere, as are your rights to opt into overdraft services for ATM and everyday debit card transactions, ifapplicable. We encourage you to make careful records and practice goodaccount management. This will help you to avoid creating items withoutsufficient funds and potentially incurring the resulting fees.

————————————————————————————————————


TRUTH-IN-SAVINGS DISCLOSURESIMPLE CHECKING ACCOUNT

Minimum balance to open the account - You must deposit $50.00 to openthis account.Additional Terms:A new account closing fee of $20.00 will be charged if the account is closedwithin 90 days of opening.A paper statement with check images is available for $3.00 per statement cycle.Up to three foreign ATM fees per statement cycle waived.

SIMPLE CHECKING PLUS ACCOUNTMinimum balance to open the account - You must deposit $50.00 to openthis account.Additional Terms:A new account closing fee of $20.00 will be charged if the account is closedwithin 90 days of opening.This account is available for individuals of age 60 and over.Up to three foreign ATM fees per statement cycle waived.

ADVANTAGE CHECKING ACCOUNTRate Information - Your interest rate and annual percentage yield maychange. Frequency of rate changes - We may change the interest rate onyour account at any time. As of February 27, 2019, the interest rate for youraccount is 0.01% with an annual percentage yield of 0.01%.Determination of rate - At our discretion, we may change the interest rate onyour account.Compounding and crediting frequency - Interest will be compoundedevery day. Interest will be credited to your account every month.Minimum balance to open the account - You must deposit $50.00 to openthis account.Minimum balance to avoid imposition of fees - A service charge fee of$10.00 will be imposed every statement cycle if the balance in the account fallsbelow $1,000.00 any day of the cycle or if no direct deposit is received andcredited to the account.Daily balance computation method - We use the daily balance method tocalculate the interest on your account. This method applies a daily periodic rateto the principal in the account each day.Accrual of interest on noncash deposits - Interest begins to accrue nolater than the business day we receive credit for the deposit of noncash items(for example, checks).Additional Terms:A new account closing fee of $20.00 will be charged if the account is closedwithin 90 days of opening.A paper statement with check images is available for $3.00 per statement cycle.Up to three foreign ATM fees per statement cycle waived.

PREMIER CHECKING ACCOUNTRate Information - Your interest rate and annual percentage yield maychange. Frequency of rate changes - We may change the interest rate onyour account at any time. This is a tiered rate account. The tiers that apply toyour account, as of February 27, 2019, are as follows: For account balance from$0 to $4,999.99, the interest rate is 0.01% with an annual percentage yield of0.01%; for account balance from $5,000.00 to $24,999.99, the interest rate is0.01% with an annual percentage yield of 0.01%; for account balance of $25,000and above, the interest rate is 0.01% with an annual percentage yield of 0.01%.Determination of rate - At our discretion, we may change the interest rate onyour account.Compounding and crediting frequency - Interest will be compoundedevery day. Interest will be credited to your account every month.Effect of closing an account - If you close your account before interest iscredited, you will receive the accrued interest.Minimum balance to open the account - You must deposit $50.00 to openthis account.Minimum balance to avoid imposition of fees - A service charge of $20.00will be imposed every statement cycle if the balance in the account falls below$2,500.00 any day of the cycle or if the combined balances of linked deposit andloan account relationships is below $25,000.00 on the final day of the cycle.Daily balance computation method - We use the daily balance method tocalculate the interest on your account. This method applies a daily periodic rateto the principal in the account each day.Accrual of interest on noncash deposits - Interest begins to accrue nolater than the business day we receive credit for the deposit of noncash items(for example, checks).Additional Terms:A new account closing fee of $20.00 will be charged if the account is closedwithin 90 days of opening.Foreign ATM fees waived.

PRIVATE CHECKING ACCOUNTRate Information - Your interest rate and annual percentage yield maychange. Frequency of rate changes - We may change the interest rate onyour account at any time. This is a tiered rate account. The tiers that apply toyour account, as of February 27, 2019, are as follows: For account balance from$0 to $4,999.99, the interest rate is 0.01% with an annual percentage yield of

0.01%; for account balance from $5,000.00 to $24,999.99, the interest rate is0.01% with an annual percentage yield of 0.01%; for account balance of $25,000and above, the interest rate is 0.01% with an annual percentage yield of 0.01%.Determination of rate - At our discretion, we may change the interest rate onyour account.Compounding and crediting frequency - Interest will be compoundedevery day. Interest will be credited to your account every month.Effect of closing an account - If you close your account before interest iscredited, you will receive the accrued interest.Minimum balance to open the account - You must deposit $50.00 to openthis account.Minimum balance to avoid imposition of fees - A service charge of $25.00will be imposed every statement cycle if the balance in the account falls below$50,000.00 any day of the cycle or if the combined balances of linked depositand loan account relationships is below $50,000.00 on the final day of the cycleor the balance with the Trust and Investments Department is less than$500,000.00 on the final day of the cycle.Daily balance computation method - We use the daily balance method tocalculate the interest on your account. This method applies a daily periodic rateto the principal in the account each day.Accrual of interest on noncash deposits - Interest begins to accrue nolater than the business day we receive credit for the deposit of noncash items(for example, checks).Additional Terms:A new account closing fee of $20.00 will be charged if the account is closedwithin 90 days of opening.Foreign ATM fees waived.

EASY SAVE ACCOUNTRate Information - Your interest rate and annual percentage yield maychange. Frequency of rate changes - We may change the interest rate onyour account at any time. As of February 27, 2019, the interest rate for youraccount is 0.03% with an annual percentage yield of 0.03%.Determination of rate - At our discretion, we may change the interest rate onyour account.Compounding and crediting frequency - Interest will be compoundedevery day. Interest will be credited to your account every quarter.Effect of closing an account - If you close your account before interest iscredited, you will receive the accrued interest.Minimum balance to open the account - You must deposit $50.00 to openthis account.Minimum balance requirements - A minimum balance of $25.00 is requiredto maintain this account. If the balance falls below $25.00, the account may beclosed.Minimum balance to avoid imposition of fees - A service charge fee of$5.00 will be imposed every statement cycle if the balance in the account fallsbelow $200.00 any day of the cycle.Daily balance computation method - We use the daily balance method tocalculate the interest on your account. This method applies a daily periodic rateto the principal in the account each day.Accrual of interest on noncash deposits - Interest begins to accrue nolater than the business day we receive credit for the deposit of noncash items(for example, checks).Transaction limitations:Transfers from an Easy Save account to another account or to third parties bypreauthorized, automatic, telephone, or computer transfer or by check, debitcard, or similar order to third parties are limited to six per statement cycle.Fees:A service charge fee of $5.00 will be charged for each debit transaction(withdrawal, check paid, automatic transfer or payment out of this account) inexcess of six during a statement cycle.A new account closing fee of $20.00 will be charged if the account is closedwithin 90 days of opening.

EASY SAVE PLUS ACCOUNTRate Information - Your interest rate and annual percentage yield maychange. Frequency of rate changes - We may change the interest rate onyour account at any time. As of February 27, 2019, the interest rate for youraccount is 0.03% with an annual percentage yield of 0.03%.Determination of rate - At our discretion, we may change the interest rate onyour account.Compounding and crediting frequency - Interest will be compoundedevery day. Interest will be credited to your account every quarter.Effect of closing an account - If you close your account before interest iscredited, you will receive the accrued interest.Minimum balance to open the account - You must deposit $10.00 to openthis account.Minimum balance requirements - A minimum balance of $5.00 is requiredto maintain this account. If the balance falls below $5.00, the account may beclosed.Daily balance computation method - We use the daily balance method tocalculate the interest on your account. This method applies a daily periodic rateto the principal in the account each day.


Accrual of interest on noncash deposits - Interest begins to accrue nolater than the business day we receive credit for the deposit of noncash items(for example, checks).Transaction limitations:Transfers from an Easy Save Plus account to another account or to third partiesby preauthorized, automatic, telephone, or computer transfer or by check, debitcard, or similar order to third parties are limited to six per statement cycle.Fees:A service charge fee of $5.00 will be charged for each debit transaction(withdrawal, check paid, automatic transfer or payment out of this account) inexcess of six during a statement cycle.A new account closing fee of $20.00 will be charged if the account is closedwithin 90 days of opening.Additional Terms:This account is available for individuals under 18 years of age or 60 years ofage or more.

MONEY MARKET ACCOUNTRate Information - Your interest rate and annual percentage yield maychange. Frequency of rate changes - We may change the interest rate onyour account at any time. This is a tiered rate account. The tiers that apply toyour account, as of February 27, 2019, are as follows: For account balance from$0 to $2,500.99, the interest rate is 0.02% with an annual percentage yield of0.02%; for account balance from $2,501.00 to $10,000.99, the interest rate is0.04% with an annual percentage yield of 0.04%; for account balance from$10,001.00 to $25,000.99, the interest rate is 0.06% with an annual percentageyield of 0.06%; for account balance of $25,001 and above, the interest rate is0.10% with an annual percentage yield of 0.10%.Determination of rate - At our discretion, we may change the interest rate onyour account.Compounding and crediting frequency - Interest will be compoundedevery month. Interest will be credited to your account every month.Effect of closing an account - If you close your account before interest iscredited, you will receive the accrued interest.Minimum balance to open the account - You must deposit $500.00 to openthis account.Minimum balance to avoid imposition of fees - A minimum balance fee of$15.00 will be imposed every statement cycle if the balance in the account fallsbelow $2,500.00 any day of the cycle.Daily balance computation method - We use the daily balance method tocalculate the interest on your account. This method applies a daily periodic rateto the principal in the account each day.Accrual of interest on noncash deposits - Interest begins to accrue nolater than the business day we receive credit for the deposit of noncash items(for example, checks).Transaction limitations:Transfers from a Money Market account to another account or to third partiesby preauthorized, automatic, telephone, or computer transfer or by check, draft,debit card, or similar order to third parties are limited to six per statementcycle.Fees:An excessive activity fee of $10.00 will be charged for each debit transaction(withdrawal, check paid, automatic transfer or payment out of this account) inexcess of six during a statement cycle.A new account closing fee of $20.00 will be charged if the account is closedwithin 90 days of opening.

PREMIUM MONEY MARKET ACCOUNTRate Information - Your interest rate and annual percentage yield maychange. Frequency of rate changes - We may change the interest rate onyour account at any time. This is a tiered rate account. The tiers that apply toyour account, as of February 27, 2019, are as follows: For account balance from$0 to $25,000.99, the interest rate is 0.02% with an annual percentage yield of0.02%; for account balance from $25,001.00 to $100,000.99, the interest rate is0.10% with an annual percentage yield of 0.10%; for account balance from$100,001.00 to $250,000.99, the interest rate is 0.20% with an annual percentageyield of 0.20%; for account balance from $250,001.00 to $500,000.99, theinterest rate is 0.25% with an annual percentage yield of 0.25%; for accountbalance from $500,001.00 to $1,000,000.99, the interest rate is 0.30% with anannual percentage yield of 0.30%; for account balance of $1,000,001 and above,the interest rate is 1.20% with an annual percentage yield of 1.21%.Determination of rate - At our discretion, we may change the interest rate onyour account.Compounding and crediting frequency - Interest will be compoundedevery month. Interest will be credited to your account every month.Effect of closing an account - If you close your account before interest iscredited, you will receive the accrued interest.Minimum balance to open the account - You must deposit $25,000.00 toopen this account.Minimum balance to avoid imposition of fees - A minimum balance fee of$20.00 will be imposed every statement cycle if the balance in the account fallsbelow $25,000.00 any day of the cycle.Daily balance computation method - We use the daily balance method tocalculate the interest on your account. This method applies a daily periodic rateto the principal in the account each day.

Accrual of interest on noncash deposits - Interest begins to accrue nolater than the business day we receive credit for the deposit of noncash items(for example, checks).Transaction limitations:Transfers from a Premium Money Market account to another account or tothird parties by preauthorized, automatic, telephone, or computer transfer or bycheck, draft, debit card, or similar order to third parties are limited to six perstatement cycle.Fees:An excessive activity fee of $15.00 will be charged for each debit transaction(withdrawal, check paid, automatic transfer or payment out of this account) inexcess of six during a statement cycle.A new account closing fee of $20.00 will be charged if the account is closedwithin 90 days of opening.

PRIME MONEY MARKET ACCOUNTRate Information - Your interest rate and annual percentage yield maychange. Frequency of rate changes - We may change the interest rate onyour account at any time. This is a tiered rate account. The tiers that apply toyour account, as of February 27, 2019, are as follows: For account balance from$0 to $25,000.99, the percentage of the WSJ Prime Rate is 5% and the currentinterest rate is 0.28% with an annual percentage yield of 0.28%; for accountbalance from $25,001.00 to $100,000.99, the percentage of the WSJ Prime Rateis 15% and the current interest rate is 0.83% with an annual percentage yield of0.83%; for account balance from $100,001.00 to $250,000.99, the percentage ofWSJ Prime Rate is 20% and the current interest rate is 1.10% with an annualpercentage yield of 1.11%; for account balance from $250,001.00 to $500,000.99,the percentage of WSJ Prime Rate is 25% and the current interest rate is 1.38%with an annual percentage yield of 1.39%; for account balance from $500,001.00to $1,000,000.99, the percentage of WSJ Prime Rate is 30% and the currentinterest rate is 1.65% with an annual percentage yield of 1.66%; for accountbalance of $1,000,001 and above, the percentage of WSJ Prime Rate is 35% andthe current interest rate is 1.93% with an annual percentage yield of 1.95%.Limitations on rate changes: The interest rate will not be less than 0.25% ormore than 3.00%.Determination of rate - The interest rate for your account is tied to the WSJPrime Rate. Each tier is a percentage of the WSJ Prime Rate and will beadjusted up or down on the first day of the month following a change in theWSJ Prime Rate. At our discretion, we may change the interest rate on youraccount.Compounding and crediting frequency - Interest will be compoundedevery month. Interest will be credited to your account every month.Effect of closing an account - If you close your account before interest iscredited, you will receive the accrued interest.Minimum balance to open the account - You must deposit $25,000.00 toopen this account.Minimum balance to avoid imposition of fees - A minimum balance fee of$20.00 will be imposed every statement cycle if the balance in the account fallsbelow $25,000.00 any day of the cycle.Daily balance computation method - We use the daily balance method tocalculate the interest on your account. This method applies a daily periodic rateto the principal in the account each day.Accrual of interest on noncash deposits - Interest begins to accrue nolater than the business day we receive credit for the deposit of noncash items(for example, checks).Transaction limitations:Transfers from a Prime Money Market account to another account or to thirdparties by preauthorized, automatic, telephone, or computer transfer or bycheck, draft, debit card, or similar order to third parties are limited to six perstatement cycle.Fees:An excessive activity fee of $15.00 will be charged for each debit transaction(withdrawal, check paid, automatic transfer or payment out of this account) inexcess of six during a statement cycle.A new account closing fee of $20.00 will be charged if the account is closedwithin 90 days of opening.Certificate of Deposit/IRA AccountsEffective April 29, 2019, the interest computation for Certificate of Depositaccount(s) including IRAs will change from compounding daily to simpleinterest. Interest will be credited quarterly instead of annually, or paid by checkor direct deposit, as you had previously elected. Please note that while theinterest rate will remain the same, the annual percentage yield may decrease.All other terms will remain the same.

COMMON FEATURESThe categories of transactions for which an overdraft fee may be imposed arethose by any of the following means: check, in-person withdrawal, ATMwithdrawal, or other electronic means.We reserve the right to require not less than 7 days’ notice in writing beforeeach withdrawal from an interest-bearing account other than a time deposit ordemand deposit, or from any other savings account as defined by RegulationD. (The law requires us to reserve this right, but it is not our general policy touse it.) Withdrawals from a time account prior to maturity or prior to any noticeperiod may be restricted and may be subject to penalty. See your notice ofpenalty for early withdrawal.



DEPOSIT ACCOUNTS FEE SCHEDULE

Fee Per

DEPOSIT SERVICES

Overdraft, Returned Items:

Paid Item Due to Non-sufficient Funds (NSF) $36.00 Item

Returned Item Due to Non-sufficient Funds (NSF) $36.00 Item

Deposited Checks and Corrections:

Returned Unpaid $10.00 Item

Returned Unpaid with Special Handling $20.00 Item

Stop Payment:

Stop Payment $36.00 Check/ACH

Night Deposit Bags:

Lock Bag $30.00 Bag

Zipper Bag $5.00 Bag

Disposable Bag Vendor Pricing

Miscellaneous:

Monthly Paper Statement with Images $3.00 Statement

Duplicate Statement $10.00 Statement

Check Printing Vendor Pricing

ELECTRONIC BANKING SERVICES

ATM: (Fee per Withdrawal)

Using ATM Outside of American National Network $2.00 Transaction

American National ATM Usage by Non-customer $3.50 Transaction

WIRE TRANSFER SERVICES

Incoming:

Domestic $14.00 Wire

Foreign $37.00 Wire

Outgoing:


Domestic - Repetitive or Internet $17.00 Wire

Foreign $59.00 Wire

FOREIGN COLLECTION SERVICES

Foreign Checks $35.00 Check and Collection Costs

FOREIGN CURRENCY SERVICES

Foreign Currency Buy/Sell $20.00 Order

Foreign Currency Buy/Sell (Premier Relationship) $10.00 Order

Foreign Currency Buy/Sell Additional Processing Fee (Orders < $200.00) $10.00 Order

RESEARCH SERVICES

Photocopy $0.50 Page

Research $40.00 Hour

Account Balancing Assistance $40.00 Hour

MISCELLANEOUS SERVICES

Cashier’s Check $8.00 Check

IRA Transfer Fee $60.00 Transfer

Attachment, Garnishments, Levies $75.00 plus $0.50 per Copy Garnishment or Levy

Replacement ATM Card $5.00 Per Card

Replacement Debit Card $5.00 Per Card

FI-to-FI Transfer Fee $1.00 Transfer

SAFE DEPOSIT BOXES

2 x 5 $32.00 Annually





10 x 10 $111.00 Annually

10 x 15 $131.00 Annually

Drilling a Box $200.00 Occurrence

Additional Key Made $25.00 Occurrence


© 2016 Wolters Kluwer Financial Services, Inc. All rights reserved.AIB-B 6/1/2016 3o Custom TCM-56Bt,4m,7y 201261565-010 Page 1 of 12


TERMS AND CONDITIONS OF YOUR ACCOUNT ...................................................1

Important Information About Procedures for Opening a New Account .......................1

Agreement...................................................................................................................1

Liability ........................................................................................................................1

Deposits ......................................................................................................................1

Withdrawals.................................................................................................................2

Business, Organization and Association Accounts .....................................................2

Stop Payments ............................................................................................................2

Telephone Transfers ...................................................................................................3

Transfer Limitations.....................................................................................................3

Amendments and Termination ....................................................................................3

Notices ........................................................................................................................3

Statements ..................................................................................................................3

Account Transfer .........................................................................................................3

Direct Deposits ............................................................................................................3

Temporary Account Agreement ..................................................................................3

Setoff ...........................................................................................................................3

Restrictive Legends or Endorsements ........................................................................3

Facsimile Signatures ...................................................................................................3

Check Processing .......................................................................................................3

Check Cashing ............................................................................................................3

Stale-Dated Checks ....................................................................................................3

Endorsements .............................................................................................................3

Death or Incompetence ...............................................................................................4

Fiduciary Accounts ......................................................................................................4

Credit Verification ........................................................................................................4

Legal Actions Affecting Your Account .........................................................................4

Security .......................................................................................................................4

Telephonic Instructions ...............................................................................................4

Monitoring and Recording Telephone Calls and Consent to Receive Communications ............................................................4

Claim of Loss...............................................................................................................4

Early Withdrawal Penalties..........................................................................................4

Address or Name Changes .........................................................................................4

Resolving Account Disputes........................................................................................4

Waiver of Notices ........................................................................................................4

Truncation, Substitute Checks, and Other Check Images ..........................................5

Remotely Created Checks ..........................................................................................5

Unlawful Internet Gambling Notice..............................................................................5

Funds Transfers ..........................................................................................................5

FDIC Insurance ...........................................................................................................6

Unclaimed Property.....................................................................................................6

Cash Transaction Reporting........................................................................................6

Backup Withholding/TIN Certification..........................................................................6

Lost, Destroyed, or Stolen Certified, Cashier’s or Teller’s Checks..............................6

Changing Account Products........................................................................................6

Transactions by Mail ...................................................................................................6

Check Storage and Copies .........................................................................................6

International ACH Transactions ..................................................................................6

ACH and Wire Transfers .............................................................................................6

YOUR ABILITY TO WITHDRAW FUNDS ..................................................................6

Payment Order of Items ..............................................................................................7

AMERICAN NATIONAL BANK VISA® BUSINESS CHECK CARD AGREEMENTTERMS AND CONDITIONS .................................................................................7

SPECIFIC ACCOUNT DETAILS ................................................................................9

Business Checking Account........................................................................................9

Business Plus Checking Account................................................................................9

Business Interest Checking Account...........................................................................9

Community Interest Checking Account .......................................................................9

Business Analyzed Checking Account ......................................................................10

Business Easy Save Account....................................................................................10

Business Money Market Account ..............................................................................10

Business Premium Money Market Account...............................................................10

Certificate of Deposit/IRA Accounts ..........................................................................10

Common Features.....................................................................................................10

DEPOSIT ACCOUNTS FEE SCHEDULE ................................................................11

COMMERCIAL/BUSINESS FEE SCHEDULE .........................................................12


IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEWACCOUNT - To help the government fight the funding of terrorism and moneylaundering activities, federal law requires all financial institutions to obtain, verify, andrecord information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name,address, date of birth (for individuals), and other information that will allow us toidentify you. We may also ask to see your driver’s license (for individuals) or otheridentifying documents.

AGREEMENT - This document, along with any other documents we give youpertaining to your account(s), is a contract that establishes rules which control youraccount(s) with us. Please read this carefully and retain it for future reference. If yousign the signature card or open or continue to use the account, you agree to theserules. You will receive a separate schedule of rates, qualifying balances, and fees ifthey are not included in this document. If you have any questions, please call us.

This agreement is subject to applicable federal laws, the laws of the state of Virginiaand other applicable rules such as the operating letters of the Federal ReserveBanks and payment processing system rules (except to the extent that thisagreement can and does vary such rules or laws). The body of state and federal lawthat governs our relationship with you, however, is too large and complex to bereproduced here. The purpose of this document is to:

(1) summarize some laws that apply to common transactions;

(2) establish rules to cover transactions or events which the law does not regulate;

(3) establish rules for certain transactions or events which the law regulates butpermits variation by agreement; and

(4) give you disclosures of some of our policies to which you may be entitled or inwhich you may be interested.

If any provision of this document is found to be unenforceable according to its terms,all remaining provisions will continue in full force and effect. We may permit somevariations from our standard agreement, but we must agree to any variation in writingeither on the signature card for your account or in some other document. Nothing inthis document is intended to vary our duty to act in good faith and with ordinary carewhen required by law.

As used in this document the words “we,” “our,” and “us” mean the financialinstitution and the words “you” and “your” mean the account holder(s) and anyoneelse with the authority to deposit, withdraw, or exercise control over the funds in theaccount. However, this agreement does not intend, and the terms “you” and “your”should not be interpreted, to expand an individual’s responsibil ity for anorganization’s liability. If this account is owned by a corporation, partnership or otherorganization, individual liability is determined by the laws generally applicable to thattype of organization. The headings in this document are for convenience or referenceonly and will not govern the interpretation of the provisions. Unless it would beinconsistent to do so, words and phrases used in this document should be construedso the singular includes the plural and the plural includes the singular.

LIABILITY - You agree, for yourself (and the person or entity you represent if yousign as a representative of another) to the terms of this account and the schedule ofcharges. You authorize us to deduct these charges, without notice to you, directlyfrom the account balance as accrued. You will pay any additional reasonablecharges for services you request which are not covered by this agreement.

Each of you also agrees to be jointly and severally (individually) liable for anyaccount shortage resulting from charges or overdrafts, whether caused by you oranother with access to this account. This liability is due immediately, and can bededucted directly from the account balance whenever sufficient funds are available.You have no right to defer payment of this liability, and you are liable regardless ofwhether you signed the item or benefited from the charge or overdraft.

You will be liable for our costs as well as for our reasonable attorneys’ fees, to theextent permitted by law, whether incurred as a result of collection or in any otherdispute involving your account. This includes, but is not limited to, disputes betweenyou and another joint owner; you and an authorized signer or similar party; or a thirdparty claiming an interest in your account. This also includes any action that you or athird party takes regarding the account that causes us, in good faith, to seek theadvice of an attorney, whether or not we become involved in the dispute. All costsand attorneys’ fees can be deducted from your account when they are incurred,without notice to you.

DEPOSITS - We will give only provisional credit until collection is final for any items,other than cash, we accept for deposit (including items drawn “on us”). Beforesettlement of any item becomes final, we act only as your agent, regardless of theform of endorsement or lack of endorsement on the item and even though weprovide you provisional credit for the item. We may reverse any provisional credit foritems that are lost, stolen, or returned. Unless prohibited by law, we also reserve theright to charge back to your account the amount of any item deposited to youraccount or cashed for you which was initially paid by the payor bank and which islater returned to us due to an allegedly forged, unauthorized or missingendorsement, claim of alteration, encoding error or other problem which in ourjudgment justifies reversal of credit. You authorize us to attempt to collect previouslyreturned items without giving you notice, and in attempting to collect we may permitthe payor bank to hold an item beyond the midnight deadline. Actual credit fordeposits of, or payable in, foreign currency will be at the exchange rate in effect on



TERMS AND CONDITIONS OF YOUR ACCOUNT ...................................................1

Important Information About Procedures for Opening a New Account .......................1

Agreement...................................................................................................................1

Liability ........................................................................................................................1

Deposits ......................................................................................................................1

Withdrawals.................................................................................................................2

Business, Organization and Association Accounts .....................................................2

Stop Payments ............................................................................................................2

Telephone Transfers ...................................................................................................3

Transfer Limitations.....................................................................................................3

Amendments and Termination ....................................................................................3

Notices ........................................................................................................................3

Statements ..................................................................................................................3

Account Transfer .........................................................................................................3

Direct Deposits ............................................................................................................3

Temporary Account Agreement ..................................................................................3

Setoff ...........................................................................................................................3

Restrictive Legends or Endorsements ........................................................................3

Facsimile Signatures ...................................................................................................3

Check Processing .......................................................................................................3

Check Cashing ............................................................................................................3

Stale-Dated Checks ....................................................................................................3

Endorsements .............................................................................................................3

Death or Incompetence ...............................................................................................4

Fiduciary Accounts ......................................................................................................4

Credit Verification ........................................................................................................4

Legal Actions Affecting Your Account .........................................................................4

Security .......................................................................................................................4

Telephonic Instructions ...............................................................................................4

Monitoring and Recording Telephone Calls and Consent to Receive Communications ............................................................4

Claim of Loss...............................................................................................................4

Early Withdrawal Penalties..........................................................................................4

Address or Name Changes .........................................................................................4

Resolving Account Disputes........................................................................................4

Waiver of Notices ........................................................................................................4

Truncation, Substitute Checks, and Other Check Images ..........................................5

Remotely Created Checks ..........................................................................................5

Unlawful Internet Gambling Notice..............................................................................5

Funds Transfers ..........................................................................................................5

FDIC Insurance ...........................................................................................................6

Unclaimed Property.....................................................................................................6

Cash Transaction Reporting........................................................................................6

Backup Withholding/TIN Certification..........................................................................6

Lost, Destroyed, or Stolen Certified, Cashier’s or Teller’s Checks..............................6

Changing Account Products........................................................................................6

Transactions by Mail ...................................................................................................6

Check Storage and Copies .........................................................................................6

International ACH Transactions ..................................................................................6

ACH and Wire Transfers .............................................................................................6

YOUR ABILITY TO WITHDRAW FUNDS ..................................................................6

Payment Order of Items ..............................................................................................7

AMERICAN NATIONAL BANK VISA® BUSINESS CHECK CARD AGREEMENTTERMS AND CONDITIONS .................................................................................7

SPECIFIC ACCOUNT DETAILS ................................................................................9

Business Checking Account........................................................................................9

Business Plus Checking Account................................................................................9

Business Interest Checking Account...........................................................................9

Community Interest Checking Account .......................................................................9

Business Analyzed Checking Account ......................................................................10

Business Easy Save Account....................................................................................10

Business Money Market Account ..............................................................................10

Business Premium Money Market Account...............................................................10

Certificate of Deposit/IRA Accounts ..........................................................................10

Common Features.....................................................................................................10

DEPOSIT ACCOUNTS FEE SCHEDULE ................................................................11

COMMERCIAL/BUSINESS FEE SCHEDULE .........................................................12


IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEWACCOUNT - To help the government fight the funding of terrorism and moneylaundering activities, federal law requires all financial institutions to obtain, verify, andrecord information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name,address, date of birth (for individuals), and other information that will allow us toidentify you. We may also ask to see your driver’s license (for individuals) or otheridentifying documents.

AGREEMENT - This document, along with any other documents we give youpertaining to your account(s), is a contract that establishes rules which control youraccount(s) with us. Please read this carefully and retain it for future reference. If yousign the signature card or open or continue to use the account, you agree to theserules. You will receive a separate schedule of rates, qualifying balances, and fees ifthey are not included in this document. If you have any questions, please call us.

This agreement is subject to applicable federal laws, the laws of the state of Virginiaand other applicable rules such as the operating letters of the Federal ReserveBanks and payment processing system rules (except to the extent that thisagreement can and does vary such rules or laws). The body of state and federal lawthat governs our relationship with you, however, is too large and complex to bereproduced here. The purpose of this document is to:

(1) summarize some laws that apply to common transactions;

(2) establish rules to cover transactions or events which the law does not regulate;

(3) establish rules for certain transactions or events which the law regulates butpermits variation by agreement; and

(4) give you disclosures of some of our policies to which you may be entitled or inwhich you may be interested.

If any provision of this document is found to be unenforceable according to its terms,all remaining provisions will continue in full force and effect. We may permit somevariations from our standard agreement, but we must agree to any variation in writingeither on the signature card for your account or in some other document. Nothing inthis document is intended to vary our duty to act in good faith and with ordinary carewhen required by law.

As used in this document the words “we,” “our,” and “us” mean the financialinstitution and the words “you” and “your” mean the account holder(s) and anyoneelse with the authority to deposit, withdraw, or exercise control over the funds in theaccount. However, this agreement does not intend, and the terms “you” and “your”should not be interpreted, to expand an individual’s responsibil ity for anorganization’s liability. If this account is owned by a corporation, partnership or otherorganization, individual liability is determined by the laws generally applicable to thattype of organization. The headings in this document are for convenience or referenceonly and will not govern the interpretation of the provisions. Unless it would beinconsistent to do so, words and phrases used in this document should be construedso the singular includes the plural and the plural includes the singular.

LIABILITY - You agree, for yourself (and the person or entity you represent if yousign as a representative of another) to the terms of this account and the schedule ofcharges. You authorize us to deduct these charges, without notice to you, directlyfrom the account balance as accrued. You will pay any additional reasonablecharges for services you request which are not covered by this agreement.

Each of you also agrees to be jointly and severally (individually) liable for anyaccount shortage resulting from charges or overdrafts, whether caused by you oranother with access to this account. This liability is due immediately, and can bededucted directly from the account balance whenever sufficient funds are available.You have no right to defer payment of this liability, and you are liable regardless ofwhether you signed the item or benefited from the charge or overdraft.

You will be liable for our costs as well as for our reasonable attorneys’ fees, to theextent permitted by law, whether incurred as a result of collection or in any otherdispute involving your account. This includes, but is not limited to, disputes betweenyou and another joint owner; you and an authorized signer or similar party; or a thirdparty claiming an interest in your account. This also includes any action that you or athird party takes regarding the account that causes us, in good faith, to seek theadvice of an attorney, whether or not we become involved in the dispute. All costsand attorneys’ fees can be deducted from your account when they are incurred,without notice to you.

DEPOSITS - We will give only provisional credit until collection is final for any items,other than cash, we accept for deposit (including items drawn “on us”). Beforesettlement of any item becomes final, we act only as your agent, regardless of theform of endorsement or lack of endorsement on the item and even though weprovide you provisional credit for the item. We may reverse any provisional credit foritems that are lost, stolen, or returned. Unless prohibited by law, we also reserve theright to charge back to your account the amount of any item deposited to youraccount or cashed for you which was initially paid by the payor bank and which islater returned to us due to an allegedly forged, unauthorized or missingendorsement, claim of alteration, encoding error or other problem which in ourjudgment justifies reversal of credit. You authorize us to attempt to collect previouslyreturned items without giving you notice, and in attempting to collect we may permitthe payor bank to hold an item beyond the midnight deadline. Actual credit fordeposits of, or payable in, foreign currency will be at the exchange rate in effect on

Business Account Disclosures Page 1 of 12

I BUSINESS ACCOUNT DISCLOSURES I


final collection in U.S. dollars. We are not responsible for transactions by mail oroutside depository until we actually record them. If you deliver a deposit to us andyou will not be present when the deposit is counted, we will verify and record thedeposit, and credit the deposit to the account. If there are any discrepancies betweenthe amounts shown on an itemized list of the deposit (deposit slip)and the amount wedetermine to be the actual deposit, we will notify you of the discrepancy. You will beentitled to credit only for the actual deposit as determined by us, regardless of whatis stated on the itemized deposit slip. We will treat and record all transactionsreceived after our “daily cutoff time” on a business day we are open, or received on aday we are not open for business, as if initiated on the next business day that we areopen. At our option, we may take an item for collection rather than for deposit. If weaccept a third-party check for deposit, we may require any third-party endorsers toverify or guarantee their endorsements, or endorse in our presence.

WITHDRAWALS - Generally - Unless clearly indicated otherwise on the account records, any of you,acting alone, who signs to open the account or has authority to make withdrawalsmay withdraw or transfer all or any part of the account balance at any time. Each ofyou (until we receive written notice to the contrary) authorizes each other person whosigns or has authority to make withdrawals to endorse any item payable to you oryour order for deposit to this account or any other transaction with us.

Postdated checks - A postdated check is one which bears a date later than the dateon which the check is written. We may properly pay and charge your account for apostdated check even though payment was made before the date of the check,unless we have received written notice of the postdating in time to have a reasonableopportunity to act. Because we process checks mechanically, your notice will not beeffective and we will not be liable for failing to honor your notice unless it preciselyidentifies the number, date, amount and payee of the item.

Checks and withdrawal rules - If you do not purchase your check blanks from us,you must be certain that we approve the check blanks you purchase. We may refuseany withdrawal or transfer request which you attempt on forms not approved by us orby any method we do not specifically permit. We may refuse any withdrawal ortransfer request which is greater in number than the frequency permitted, or which isfor an amount greater or less than any withdrawal limitations. We will use the datethe transaction is completed by us (as opposed to the date you initiate it) to apply thefrequency limitations. In addition, we may place limitations on the account until youridentity is verified.

Even if we honor a nonconforming request, we are not required to do so later. If youviolate the stated transaction limitations (if any), in our discretion we may close youraccount or reclassify it as a transaction account. If we reclassify your account, youraccount will be subject to the fees and earnings rules of the new accountclassification.

If we are presented with an item drawn against your account that would be a“substitute check,” as defined by law, but for an error or defect in the item introducedin the substitute check creation process, you agree that we may pay such item.

See the funds availability policy disclosure for information about when you canwithdraw funds you deposit. For those accounts to which our funds availability policydisclosure does not apply, you can ask us when you make a deposit when thosefunds will be available for withdrawal. An item may be returned after the funds fromthe deposit of that item are made available for withdrawal. In that case, we willreverse the credit of the item. We may determine the amount of available funds inyour account for the purpose of deciding whether to return an item for insufficientfunds at any time between the time we receive the item and when we return the itemor send a notice in lieu of return. We need only make one determination, but if wechoose to make a subsequent determination, the account balance at the subsequenttime will determine whether there are insufficient available funds.

A temporary debit authorization hold affects your account balance - On debitcard purchases, merchants may request a temporary hold on your account for aspecified sum of money, which may be more than the actual amount of yourpurchase. When this happens, our processing system cannot determine that theamount of the hold exceeds the actual amount of your purchase. This temporaryhold, and the amount charged to your account, will eventually be adjusted to theactual amount of your purchase, but it may be up to three days before the adjustmentis made. Until the adjustment is made, the amount of funds in your account availablefor other transactions will be reduced by the amount of the temporary hold. If anothertransaction is presented for payment in an amount greater than the funds left afterthe deduction of the temporary hold amount, that transaction will be a nonsufficientfunds (NSF) transaction if we do not pay it or an overdraft transaction if we do pay it.You will be charged an NSF or overdraft fee according to our NSF or overdraft feepolicy. You will be charged the fee even if you would have had sufficient funds inyour account if the amount of the hold had been equal to the amount of yourpurchase.

Here is an example of how this can occur – assume for this example the following:(1) you have opted-in to our overdraft services for the payment of overdrafts on ATMand everyday debit card transactions, (2) we pay the overdraft, and (3) our overdraftfee is $35 per overdraft, but we do not charge the overdraft fee if the transactionoverdraws the account by less than $10.

You have $120 in your account. You swipe your card at the card reader on agasoline pump. Since it is unclear what the final bill will be, the gas station’sprocessing system immediately requests a hold on your account in a specifiedamount, for example, $80. Our processing system authorizes a temporary hold onyour account in the amount of $80, and the gas station’s processing system

authorizes you to begin pumping gas. You fill your tank and the amount of gasolineyou purchased is only $50. Our processing system shows that you have $40 in youraccount available for other transactions ($120 - $80 = $40) even though you wouldhave $70 in your account available for other transactions if the amount of thetemporary hold was equal to the amount of your purchase ($120 - $50 = $70). Later,another transaction you have authorized is presented for payment from your accountin the amount of $60 (this could be a check you have written, another debit cardtransaction, an ACH debit or any other kind of payment request). This othertransaction is presented before the amount of the temporary hold is adjusted to theamount of your purchase (remember, it may take up to three days for the adjustmentto be made). Because the amount of this other transaction is greater than the amountour processing system shows is available in your account, our payment of thistransaction will result in an overdraft transaction. Because the transaction overdrawsyour account by $20, your account will be assessed the overdraft fee of $35according to our overdraft fee policy. You will be charged this $35 fee according toour policy even though you would have had enough money in your account to coverthe $60 transaction if your account had only been debited the amount of yourpurchase rather than the amount of the temporary hold or if the temporary hold hadalready been adjusted to the actual amount of your purchase.

Overdrafts - You understand that we may, at our discretion, honor withdrawalrequests that overdraw your account. However, the fact that we may honorwithdrawal requests that overdraw the account balance does not obligate us to do solater. So you can NOT rely on us to pay overdrafts on your account regardless ofhow frequently or under what circumstances we have paid overdrafts on youraccount in the past. We can change our practice of paying overdrafts on youraccount without notice to you. You can ask us if we have other account services thatmight be available to you where we commit to paying overdrafts under certaincircumstances, such as an overdraft protection line-of-credit or a plan to sweep fundsfrom another account you have with us. You agree that we may charge fees foroverdrafts. For consumer accounts, we will not charge fees for overdrafts caused byATM withdrawals or one-time debit card transactions if you have not opted-in to thatservice. We may use subsequent deposits, including direct deposits of social securityor other government benefits, to cover such overdrafts and overdraft fees.

Multiple signatures, electronic check conversion, and similar transactions - Anelectronic check conversion transaction is a transaction where a check or similar itemis converted into an electronic fund transfer as defined in the Electronic FundTransfers regulation. In these types of transactions the check or similar item is eitherremoved from circulation (truncated) or given back to you. As a result, we have noopportunity to review the check to examine the signatures on the item. You agreethat, as to these or any items as to which we have no opportunity to examine thesignatures, you waive any requirement of multiple signatures.

Notice of withdrawal - We reserve the right to require not less than 7 days’ notice inwriting before each withdrawal from an interest-bearing account other than a timedeposit or demand deposit, or from any other savings account as defined byRegulation D. (The law requires us to reserve this right, but it is not our generalpolicy to use it.) Withdrawals from a time account prior to maturity or prior to anynotice period may be restricted and may be subject to penalty. See your notice ofpenalty for early withdrawal.

BUSINESS, ORGANIZATION AND ASSOCIATION ACCOUNTS - Earnings in theform of interest, dividends, or credits will be paid only on collected funds, unlessotherwise provided by law or our policy. You represent that you have the authority toopen and conduct business on this account on behalf of the entity. We may requirethe governing body of the entity opening the account to give us a separateauthorization telling us who is authorized to act on its behalf. We will honor theauthorization until we actually receive written notice of a change from the governingbody of the entity.

STOP PAYMENTS - Unless otherwise provided, the rules in this section coverstopping payment of items such as checks and drafts. Rules for stopping payment ofother types of transfers of funds, such as consumer electronic fund transfers, may beestablished by law or our policy. If we have not disclosed these rules to youelsewhere, you may ask us about those rules.

We may accept an order to stop payment on any item from any one of you. You mustmake any stop-payment order in the manner required by law and we must receive itin time to give us a reasonable opportunity to act on it before our stop-payment cutofftime. Because stop-payment orders are handled by computers, to be effective, yourstop-payment order must precisely identify the number, date, and amount of the item,and the payee. You may stop payment on any item drawn on your account whetheryou sign the item or not. Generally, if your stop-payment order is given to us inwriting it is effective for six months. Your order will lapse after that time if you do notrenew the order in writing before the end of the six-month period. If the original stop-payment order was oral your stop-payment order will lapse after 14 calendar days ifyou do not confirm your order in writing within that time period. We are not obligatedto notify you when a stop-payment order expires. A release of the stop-paymentrequest may be made only by the person who initiated the stop-payment order.

If you stop payment on an item and we incur any damages or expenses because ofthe stop payment, you agree to indemnify us for those damages or expenses,including attorneys’ fees. You assign to us all rights against the payee or any otherholder of the item. You agree to cooperate with us in any legal actions that we maytake against such persons. You should be aware that anyone holding the item maybe entitled to enforce payment against you despite the stop-payment order.

Our stop-payment cutoff time is one hour after the opening of the next banking dayafter the banking day on which we receive the item. Additional limitations on our



obligation to stop payment are provided by law (e.g., we paid the item in cash or wecertified the item).

TELEPHONE TRANSFERS - A telephone transfer of funds from this account toanother account with us, if otherwise arranged for or permitted, may be made by thesame persons and under the same conditions generally applicable to withdrawalsmade in writing. Unless a different limitation is disclosed in writing, we restrict thenumber of transfers from a savings account to another account or to third parties, toa maximum of six per month (less the number of “preauthorized transfers” during themonth). Other account transfer restrictions may be described elsewhere.

TRANSFER LIMITATIONS - For savings and money market accounts you maymake up to six transfers or withdrawals by means of a preauthorized, automatic, ortelephonic transfer to another account of yours or to a third party or by check, debitcard, or similar order to a third party during any calendar month (or statement cycleof at least four weeks). A preauthorized transfer includes any arrangement with us topay a third party from your account at (i) a predetermined time; (ii) on a fixedschedule or (iii) upon oral or written orders including orders received through theautomated clearing house (ACH). If the transfer or withdrawal is initiated in person,by mail, or at an ATM then there is no limit on the number of payments that may bemade directly to you, directly to us for amounts you owe us, or transfers to otheraccounts you have with us. Withdrawals by phone are also unlimited if you arerequesting that a check be mailed to you.

AMENDMENTS AND TERMINATION - We may change any term of this agreement.Rules governing changes in interest rates are provided separately in the Truth-in-Savings disclosure or in another document. For other changes, we will give youreasonable notice in writing or by any other method permitted by law. We may alsoclose this account at any time upon reasonable notice to you and tender of theaccount balance personally or by mail. Items presented for payment after theaccount is closed may be dishonored. When you close your account, you areresponsible for leaving enough money in the account to cover any outstanding itemsto be paid from the account. Reasonable notice depends on the circumstances, andin some cases such as when we cannot verify your identity or we suspect fraud, itmight be reasonable for us to give you notice after the change or account closurebecomes effective. For instance, if we suspect fraudulent activity with respect to youraccount, we might immediately freeze or close your account and then give younotice. If we have notified you of a change in any term of your account and youcontinue to have your account after the effective date of the change, you haveagreed to the new term(s).

NOTICES - Any written notice you give us is effective when we actually receive it,and it must be given to us according to the specific delivery instructions providedelsewhere, if any. We must receive it in time to have a reasonable opportunity to acton it. If the notice is regarding a check or other item, you must give us sufficientinformation to be able to identify the check or item, including the precise check oritem number, amount, date and payee. Written notice we give you is effective when itis deposited in the United States Mail with proper postage and addressed to yourmailing address we have on file. Notice to any of you is notice to all of you.

STATEMENTS - Your duty to report unauthorized signatures, alterations andforgeries - You must examine your statement of account with “reasonablepromptness.” If you discover (or reasonably should have discovered) anyunauthorized signatures or alterations, you must promptly notify us of the relevantfacts. As between you and us, if you fail to do either of these duties, you will have toeither share the loss with us, or bear the loss entirely yourself (depending on whetherwe used ordinary care and, if not, whether we substantially contributed to the loss).The loss could be not only with respect to items on the statement but other items withunauthorized signatures or alterations by the same wrongdoer.

You agree that the time you have to examine your statement and report to us willdepend on the circumstances, but will not, in any circumstance, exceed a total of 30days from when the statement is first sent or made available to you.

You further agree that if you fail to report any unauthorized signatures, alterations orforgeries in your account within 60 days of when we first send or make the statementavailable, you cannot assert a claim against us on any items in that statement, andas between you and us the loss will be entirely yours. This 60-day limitation iswithout regard to whether we used ordinary care. The limitation in this paragraph is inaddition to that contained in the first paragraph of this section.

Your duty to report other errors - In addition to your duty to review your statementsfor unauthorized signatures, alterations and forgeries, you agree to examine yourstatement with reasonable promptness for any other error - such as an encodingerror. In addition, if you receive or we make available either your items or images ofyour items, you must examine them for any unauthorized or missing endorsementsor any other problems. You agree that the time you have to examine your statementand items and report to us will depend on the circumstances. However, this timeperiod shall not exceed 60 days. Failure to examine your statement and items andreport any errors to us within 60 days of when we first send or make the statementavailable precludes you from asserting a claim against us for any errors on itemsidentified in that statement and as between you and us the loss will be entirely yours.

ACCOUNT TRANSFER - This account may not be transferred or assigned withoutour prior written consent.

DIRECT DEPOSITS - If we are required for any reason to reimburse the federalgovernment for all or any portion of a benefit payment that was directly deposited intoyour account, you authorize us to deduct the amount of our liability to the federalgovernment from the account or from any other account you have with us, without

prior notice and at any time, except as prohibited by law. We may also use any otherlegal remedy to recover the amount of our liability.

TEMPORARY ACCOUNT AGREEMENT - If the account documentation indicatesthat this is a temporary account agreement, each person who signs to open theaccount or has authority to make withdrawals (except as indicated to the contrary)may transact business on this account. However, we may at some time in the futurerestrict or prohibit further use of this account if you fail to comply with therequirements we have imposed within a reasonable time.

SETOFF - We may (without prior notice and when permitted by law) set off the fundsin this account against any due and payable debt any of you owe us now or in thefuture. If this account is owned by one or more of you as individuals, we may set offany funds in the account against a due and payable debt a partnership owes us nowor in the future, to the extent of your liability as a partner for the partnership debt. Ifyour debt arises from a promissory note, then the amount of the due and payabledebt will be the full amount we have demanded, as entitled under the terms of thenote, and this amount may include any portion of the balance for which we haveproperly accelerated the due date.

This right of setoff does not apply to this account if prohibited by law. For example,the right of setoff does not apply to this account if: (a) it is an Individual RetirementAccount or similar tax-deferred account, or (b) the debt is created by a consumercredit transaction under a credit card plan (but this does not affect our rights underany consensual security interest), or (c) the debtor’s right of withdrawal only arises ina representative capacity, or (d) setoff is prohibited by the Military Lending Act or itsimplementing regulations. We will not be liable for the dishonor of any check whenthe dishonor occurs because we set off a debt against this account. You agree tohold us harmless from any claim arising as a result of our exercise of our right ofsetoff.

RESTRICTIVE LEGENDS OR ENDORSEMENTS - The automated processing ofthe large volume of checks we receive prevents us from inspecting or looking forrestrictive legends, restrictive endorsements or other special instructions on everycheck. Examples of restrictive legends placed on checks are “must be presentedwithin 90 days” or “not valid for more than $1,000.00.” The payee’s signatureaccompanied by the words “for deposit only” is an example of a restrictiveendorsement. For this reason, we are not required to honor any restrictive legend orendorsement or other special instruction placed on checks you write unless we haveagreed in writing to the restriction or instruction. Unless we have agreed in writing,we are not responsible for any losses, claims, damages, or expenses that result fromyour placement of these restrictions or instructions on your checks.

FACSIMILE SIGNATURES - You authorize us, at any time, to charge you for allchecks, drafts, or other orders, for the payment of money, that are drawn on usregardless of by whom or by what means the facsimile signature(s) may have beenaffixed so long as they resemble the facsimile signature specimen filed with us, andcontain the required number of signatures for this purpose.

CHECK PROCESSING - We process items mechanically by relying solely on theinformation encoded in magnetic ink along the bottom of the items. This means thatwe do not individually examine all of your items to determine if the item is properlycompleted, signed and endorsed or to determine if it contains any information otherthan what is encoded in magnetic ink. You agree that we have exercised ordinarycare if our automated processing is consistent with general banking practice, eventhough we do not inspect each item. Because we do not inspect each item, if youwrite a check to multiple payees, we can properly pay the check regardless of thenumber of endorsements unless you notify us in writing that the check requiresmultiple endorsements. We must receive the notice in time for us to have areasonable opportunity to act on it, and you must tell us the precise date of thecheck, amount, check number and payee. We are not responsible for anyunauthorized signature or alteration that would not be identified by a reasonableinspection of the item. Using an automated process helps us keep costs down foryou and all account holders.

CHECK CASHING - We may charge a fee for anyone that does not have an accountwith us who is cashing a check, draft or other instrument written on your account. Wemay also require reasonable identification to cash such a check, draft or otherinstrument. We can decide what identification is reasonable under the circumstancesand such identification may be documentary or physical and may include collecting athumbprint or fingerprint.

STALE-DATED CHECKS - We are not obligated to, but may at our option, pay acheck, other than a certified check, presented for payment more than six monthsafter its date. If you do not want us to pay a stale-dated check, you must place astop-payment order on the check in the manner we have described elsewhere.

ENDORSEMENTS - We may accept for deposit any item payable to you or yourorder, even if they are not endorsed by you. We may give cash back to any one ofyou. We may supply any missing endorsement(s) for any item we accept for depositor collection, and you warrant that all endorsements are genuine.

To ensure that your check or share draft is processed without delay, you mustendorse it (sign it on the back) in a specific area. Your entire endorsement (whethera signature or a stamp) along with any other endorsement information (e.g. additionalendorsements, ID information, driver’s license number, etc.) must fall within 11/2” ofthe “trailing edge” of a check. Endorsements must be made in blue or black ink, sothat they are readable by automated check processing equipment.

As you look at the front of a check, the “trailing edge” is the left edge. When you flipthe check over, be sure to keep all endorsement information within 11/2” of that edge.



It is important that you confine the endorsement information to this area since theremaining blank space will be used by others in the processing of the check to placeadditional needed endorsements and information. You agree that you will indemnify,defend, and hold us harmless for any loss, liability, damage or expense that occursbecause your endorsement, another endorsement or information you have printed onthe back of the check obscures our endorsement.

These endorsement guidelines apply to both personal and business checks.

DEATH OR INCOMPETENCE - You agree to notify us promptly if any person with aright to withdraw funds from your account(s) dies or is adjudicated (determined bythe appropriate official) incompetent. We may continue to honor your checks, items,and instructions until: (a) we know of your death or adjudication of incompetence,and (b) we have had a reasonable opportunity to act on that knowledge. You agreethat we may pay or certify checks drawn on or before the date of death oradjudication of incompetence for up to ten (10) days after your death or adjudicationof incompetence unless ordered to stop payment by someone claiming an interest inthe account.

FIDUCIARY ACCOUNTS - Accounts may be opened by a person acting in afiduciary capacity. A fiduciary is someone who is appointed to act on behalf of and forthe benefit of another. We are not responsible for the actions of a fiduciary, includingthe misuse of funds. This account may be opened and maintained by a person orpersons named as a trustee under a written trust agreement, or as executors,administrators, or conservators under court orders. You understand that by merelyopening such an account, we are not acting in the capacity of a trustee in connectionwith the trust nor do we undertake any obligation to monitor or enforce the terms ofthe trust or letters.

CREDIT VERIFICATION - You agree that we may verify credit and employmenthistory by any necessary means, including preparation of a credit report by a creditreporting agency.

LEGAL ACTIONS AFFECTING YOUR ACCOUNT - If we are served with asubpoena, restraining order, writ of attachment or execution, levy, garnishment,search warrant, or similar order relating to your account (termed “legal action” in thissection), we will comply with that legal action. Or, in our discretion, we may freezethe assets in the account and not allow any payments out of the account until a finalcourt determination regarding the legal action. We may do these things even if thelegal action involves less than all of you. In these cases, we will not have any liabilityto you if there are insufficient funds to pay your items because we have withdrawnfunds from your account or in any way restricted access to your funds in accordancewith the legal action. Any fees or expenses we incur in responding to any legal action(including, without limitation, attorneys’ fees and our internal expenses) may becharged against your account. The list of fees applicable to your account(s) providedelsewhere may specify additional fees that we may charge for certain legal actions.

SECURITY - It is your responsibility to protect the account numbers and electronicaccess devices (e.g., an ATM card) we provide you for your account(s). Do notdiscuss, compare, or share information about your account number(s) with anyoneunless you are willing to give them full use of your money. An account number canbe used by thieves to issue an electronic debit or to encode your number on a falsedemand draft which looks like and functions like an authorized check. If you furnishyour access device and grant actual authority to make transfers to another person (afamily member or coworker, for example) who then exceeds that authority, you areliable for the transfers unless we have been notified that transfers by that person areno longer authorized.

Your account number can also be used to electronically remove money from youraccount, and payment can be made from your account even though you did notcontact us directly and order the payment.

You must also take precaution in safeguarding your blank checks. Notify us at once ifyou believe your checks have been lost or stolen. As between you and us, if you arenegligent in safeguarding your checks, you must bear the loss entirely yourself orshare the loss with us (we may have to share some of the loss if we failed to useordinary care and if we substantially contributed to the loss).

Except for consumer electronic funds transfers subject to Regulation E, you agreethat if we offer you services appropriate for your account to help identify and limit

fraud or other unauthorized transactions against your account, such as positive payor commercially reasonable security procedures, and you reject those services, youwill be responsible for any fraudulent or unauthorized transactions which could havebeen prevented by the services we offered, unless we acted in bad faith or to theextent our negligence contributed to the loss. If we offered you a commerciallyreasonable security procedure which you reject, you agree that you are responsiblefor any payment order, whether authorized or not, that we accept in compliance withan alternative security procedure that you have selected.

TELEPHONIC INSTRUCTIONS - Unless required by law or we have agreedotherwise in writing, we are not required to act upon instructions you give us viafacsimile transmission or leave by voice mail or on a telephone answering machine.

MONITORING AND RECORDING TELEPHONE CALLS AND CONSENT TORECEIVE COMMUNICATIONS - Subject to federal and state law, we may monitor orrecord phone calls for security reasons, to maintain a record and to ensure that youreceive courteous and efficient service. You consent in advance to any suchrecording.

To provide you with the best possible service in our ongoing business relationship foryour account we may need to contact you about your account from time to time bytelephone, text messaging or email. However, we must first obtain your consent tocontact you about your account because we must comply with the consumerprotection provisions in the federal Telephone Consumer Protection Act of 1991(TCPA), CAN-SPAM Act and their related federal regulations and orders issued bythe Federal Communications Commission (FCC).

• Your consent is limited to your account, and as authorized by applicable lawand regulations.

• Your consent does not authorize us to contact you for telemarketing purposes(unless you otherwise agreed elsewhere).

With the above understandings, you authorize us to contact you regarding youraccount throughout its existence using any telephone numbers or email addressesthat you have previously provided to us or that you may subsequently provide to us.

This consent is regardless of whether the number we use to contact you is assignedto a landline, a paging service, a cellular wireless service, a specialized mobile radioservice, other radio common carrier service or any other service for which you maybe charged for the call. You further authorize us to contact you through the use ofvoice, voice mail and text messaging, including the use of pre-recorded or artificialvoice messages and an automated dialing device.

If necessary, you may change or remove any of the telephone numbers or emailaddresses at any time using any reasonable means to notify us.

CLAIM OF LOSS - If you claim a credit or refund because of a forgery, alteration, orany other unauthorized withdrawal, you agree to cooperate with us in theinvestigation of the loss, including giving us an affidavit containing whateverreasonable information we require concerning your account, the transaction, and thecircumstances surrounding the loss. You will notify law enforcement authorities ofany criminal act related to the claim of lost, missing, or stolen checks or unauthorizedwithdrawals. We will have a reasonable period of time to investigate the facts andcircumstances surrounding any claim of loss. Unless we have acted in bad faith, wewill not be liable for special or consequential damages, including loss of profits oropportunity, or for attorneys’ fees incurred by you.

You agree that you will not waive any rights you have to recover your loss againstanyone who is obligated to repay, insure, or otherwise reimburse you for your loss.You will pursue your rights or, at our option, assign them to us so that we maypursue them. Our liability will be reduced by the amount you recover or are entitled torecover from these other sources.

EARLY WITHDRAWAL PENALTIES (and involuntary withdrawals) - We mayimpose early withdrawal penalties on a withdrawal from a time account even if youdon’t initiate the withdrawal. For instance, the early withdrawal penalty may be imposedif the withdrawal is caused by our setoff against funds in the account or as a result ofan attachment or other legal process. We may close your account and impose the earlywithdrawal penalty on the entire account balance in the event of a partial earlywithdrawal. See your notice of penalty for early withdrawals for additional information.

ADDRESS OR NAME CHANGES - You are responsible for notifying us of anychange in your address or your name. Unless we agree otherwise, change ofaddress or name must be made in writing by at least one of the account holders.Informing us of your address or name change on a check reorder form is notsufficient. We will attempt to communicate with you only by use of the most recentaddress you have provided to us. If provided elsewhere, we may impose a servicefee if we attempt to locate you.

RESOLVING ACCOUNT DISPUTES - We may place an administrative hold on thefunds in your account (refuse payment or withdrawal of the funds) if it becomessubject to a claim adverse to (1) your own interest; (2) others claiming an interest assurvivors or beneficiaries of your account; or (3) a claim arising by operation of law.The hold may be placed for such period of time as we believe reasonably necessaryto allow a legal proceeding to determine the merits of the claim or until we receiveevidence satisfactory to us that the dispute has been resolved. We will not be liablefor any items that are dishonored as a consequence of placing a hold on funds inyour account for these reasons.

WAIVER OF NOTICES - To the extent permitted by law, you waive any notice ofnon-payment, dishonor or protest regarding any items credited to or charged againstyour account. For example, if you deposit a check and it is returned unpaid or wereceive a notice of nonpayment, we do not have to notify you unless required byfederal Regulation CC or other law.

FRONT OF CHECK

Bank Nameand Location

�123456789� 7654

Pay to theorder of $

dollars

20NameAddress, City, State

7654

BACK OF CHECK

Memo

Keep your endorsementout of this area.

1 1/2"

TRAILING EDGE

YOUR ENDORSEMENT MUSTBE WITHIN THIS AREA



TRUNCATION, SUBSTITUTE CHECKS, AND OTHER CHECK IMAGES - If youtruncate an original check and create a substitute check, or other paper or electronicimage of the original check, you warrant that no one will be asked to make paymenton the original check, a substitute check or any other electronic or paper image, if thepayment obligation relating to the original check has already been paid. You alsowarrant that any substitute check you create conforms to the legal requirements andgenerally accepted specifications for substitute checks. You agree to retain theoriginal check in conformance with our internal policy for retaining original checks.You agree to indemnify us for any loss we may incur as a result of any truncatedcheck transaction you initiate. We can refuse to accept substitute checks that havenot previously been warranted by a bank or other financial institution in conformancewith the Check 21 Act. Unless specifically stated in a separate agreement betweenyou and us, we do not have to accept any other electronic or paper image of anoriginal check.

REMOTELY CREATED CHECKS - Like any standard check or draft, a remotelycreated check (sometimes called a telecheck, preauthorized draft or demand draft) isa check or draft that can be used to withdraw money from an account. Unlike atypical check or draft, however, a remotely created check is not issued by the payingbank and does not contain the signature of the account owner (or a signaturepurported to be the signature of the account owner). In place of a signature, thecheck usually has a statement that the owner authorized the check or has theowner’s name typed or printed on the signature line.

You warrant and agree to the following for every remotely created check we receivefrom you for deposit or collection: (1) you have received express and verifiableauthorization to create the check in the amount and to the payee that appears on thecheck; (2) you will maintain proof of the authorization for at least 2 years from thedate of the authorization, and supply us the proof if we ask; and (3) if a check isreturned you owe us the amount of the check, regardless of when the check isreturned. We may take funds from your account to pay the amount you owe us, andif there are insufficient funds in your account, you still owe us the remaining balance.

UNLAWFUL INTERNET GAMBLING NOTICE - Restricted transactions as definedin Federal Reserve Regulation GG are prohibited from being processed through thisaccount or relationship. Restricted transactions generally include, but are not limitedto, those in which credit, electronic fund transfers, checks, or drafts are knowinglyaccepted by gambling businesses in connection with the participation by others inunlawful Internet gambling.

FUNDS TRANSFERS - The terms used in this section have the meaning given tothem in Article 4A of the Uniform Commercial Code - Funds Transfers (UCC 4A).This section will generally not apply to you if you are a consumer. However, even ifyou are a consumer, this section will apply to that part of any funds transfer that isconducted by Fedwire. This section is subject to UCC 4A as adopted in the state inwhich you have your deposit with us. This agreement is also subject to all clearinghouse association rules, rules of the Board of Governors of the Federal ReserveSystem and their operating circulars. If any part of this agreement is determined tobe unenforceable, the rest of the agreement remains effective. This agreementcontrols funds transfers unless supplemented or amended in a separate writtenagreement signed by us. This agreement does not apply to a funds transfer if anypart of the transfer is governed by the Electronic Fund Transfer Act of 1978 (EFTA),except this agreement does apply to a funds transfer that is a remittance transfer asdefined in EFTA unless the remittance transfer is an electronic fund transfer asdefined in EFTA.

Funds transfer - A funds transfer is the transaction or series of transactions thatbegin with the originator’s payment order, made for the purpose of making paymentto the beneficiary of the order. A funds transfer is completed by the acceptance bythe beneficiary’s bank of a payment order for the benefit of the beneficiary of theoriginator’s order. You may give us a payment order orally, electronically, or inwriting, but your order cannot state any condition to payment to the beneficiary otherthan the time of payment. Credit entries may be made by ACH.

Authorized account - An authorized account is a deposit account you have with usthat you have designated as a source of payment of payment orders you issue to us.If you have not designated an authorized account, any account you have with us isan authorized account to the extent that payment of the payment order is notinconsistent with the use of the account.

Acceptance of your payment order - We are not obligated to accept any paymentorder that you give us, although we normally will accept your payment order if youhave a withdrawable credit in an authorized account sufficient to cover the order. Ifwe do not execute your payment order, but give you notice of our rejection of yourpayment order after the execution date or give you no notice, we are not liable to payyou as restitution any interest on a withdrawable credit in a non-interest-bearingaccount.

Cutoff time - If we do not receive your payment order or communication canceling oramending a payment order before our cutoff time on a funds transfer day for thattype of order or communication, the order or communication will be deemed to bereceived at the opening of our next funds transfer business day.

Payment of your order - If we accept a payment order you give us, we may receivepayment by automatically deducting from any authorized account the amount of thepayment order plus the amount of any expenses and charges for our services inexecution of your payment order. We are entitled to payment on the payment orexecution date. Unless your payment order specifies otherwise, the payment orexecution date is the funds transfer date we receive the payment order. The fundstransfer is completed upon acceptance by the beneficiary’s bank. Your obligation to

pay your payment order is excused if the funds transfer is not completed, but you arestill responsible to pay us any expenses and charges for our services. However, ifyou told us to route the funds transfer through an intermediate bank, and we areunable to obtain a refund because the intermediate bank that you designated hassuspended payments, then you are still obligated to pay us for the payment order.You will not be entitled to interest on any refund you receive because thebeneficiary’s bank does not accept the payment order.

Security procedure - As described more fully in a separate writing, the authenticityof a payment order or communication canceling or amending a payment order issuedin your name as sender may be verified by a security procedure. You affirm that youhave no circumstances which are relevant to the determination of a commerciallyreasonable security procedure unless those circumstances are expressly containedin a separate writing signed by us. You may choose from one or more securityprocedures that we have developed, or you may develop your own securityprocedure if it is acceptable to us. If you refuse a commercially reasonable securityprocedure that we have offered you, you agree that you will be bound by anypayment order issued in your name, whether or not authorized, that we accept ingood faith and in compliance with the security procedure you have chosen.

Duty to report unauthorized or erroneous payment - You must exercise ordinarycare to determine that all payment orders or amendments to payment orders that weaccept that are issued in your name are authorized, enforceable, in the correctamount, to the correct beneficiary, and not otherwise erroneous. If you discover (orwith reasonable care should have discovered) an unauthorized, unenforceable, orerroneously executed payment order or amendment, you must exercise ordinarycare to notify us of the relevant facts. The time you have to notify us will depend onthe circumstances, but that time will not in any circumstance exceed 14 days fromwhen you are notified of our acceptance or execution of the payment order oramendment or that your account was debited with respect to the order oramendment. If you do not provide us with timely notice you will not be entitled tointerest on any refundable amount. If we can prove that you failed to perform eitherof these duties with respect to an erroneous payment and that we incurred a loss asa result of the failure, you are liable to us for the amount of the loss not exceedingthe amount of your order.

Identifying number - If your payment order identifies an intermediate bank,beneficiary bank, or beneficiary by name and number, we and every receiving orbeneficiary bank may rely upon the identifying number rather than the name to makepayment, even if the number identifies an intermediate bank or person different thanthe bank or beneficiary identified by name. Neither we nor any receiving orbeneficiary bank have any responsibility to determine whether the name andidentifying number refer to the same financial institution or person.

Record of oral or telephone orders - You agree that we may, if we choose, recordany oral or telephone payment order or communication of amendment orcancelation.

Notice of credit - If we receive a payment order to credit an account you have withus, we are not required to provide you with any notice of the payment order or thecredit.

Provisional credit - You agree to be bound by the automated clearing houseassociation operating rules that provide that payments made to you or originated byyou by funds transfer through the automated clearing house system are provisionaluntil final settlement is made through a Federal Reserve Bank or otherwise paymentis made as provided in Article 4A-403(a) of the Uniform Commercial Code.

Refund of credit - You agree that if we do not receive payment of an amountcredited to your account, we are entitled to a refund from you in the amount creditedand the party originating such payment will not be considered to have paid theamount so credited.

Amendment of funds transfer agreement - From time to time we may amend anyterm of this agreement by giving you reasonable notice in writing. We may givenotice to anyone who is authorized to send payment orders to us in your name, or toanyone who is authorized to accept service.

Cancelation or amendment of payment order - You may cancel or amend apayment order you give us only if we receive the communication of cancelation oramendment before our cutoff time and in time to have a reasonable opportunity toact on it before we accept the payment order. The communication of cancelation oramendment must be presented in conformity with the same security procedure thathas been agreed to for payment orders.

Intermediaries - We are not liable for the actions of any intermediary, regardless ofwhether or not we selected the intermediary. We are not responsible for acts of God,outside agencies, or nonsalaried agents.

Limit on liability - You waive any claim you may have against us for consequentialor special damages, including loss of profit arising out of a payment order or fundstransfer, unless this waiver is prohibited by law. We are not responsible for attorneyfees you might incur due to erroneous execution of payment order.

Erroneous execution - If we receive an order to pay you, and we erroneously payyou more than the amount of the payment order, we are entitled to recover from youthe amount in excess of the amount of the payment order, regardless of whether youmay have some claim to the excess amount against the originator of the order.

Objection to payment - If we give you a notice that reasonably identifies a paymentorder issued in your name as sender that we have accepted and received paymentfor, you cannot claim that we are not entitled to retain the payment unless you notifyus of your objection to the payment within one year of our notice to you.



FDIC INSURANCE - Funds in your account(s) with us are insured by the FederalDeposit Insurance Corporation (FDIC) and backed by the full faith and credit of theUnited States. The amount of insurance coverage you have depends on the numberof accounts you have with us that are of different “ownership.” An individual accountis one unique form of “ownership”; a joint account, a pay-on-death account, and aself directed qualified retirement account (e.g., an IRA) are examples of some of theothers. Deposit insurance for a person’s self directed qualified retirement account isup to $250,000. (An IRA is a self directed qualified retirement account as is anyaccount where the owner decides where and how to invest the balance.) Funds areinsured to $250,000 per depositor for the total of funds combined in all of your otherinsured accounts with us. If you want a more detailed explanation or additionalinformation, you may ask us or contact the FDIC. You can also visit the FDIC websiteat www.fdic.gov and click on the Deposit Insurance link. The link includes detailedcontact information as well as a deposit insurance estimator.

FDIC Merger Transition Rules - Under FDIC rules, funds on deposit at HomeTown Bank and American National atthe time of the merger will continue to be separately insured by the FDIC as if thefunds were still held in separate banks. This special treatment will continue for sixmonths after the merger or the first maturity date after the merger for Certificates ofDeposit "CDs".

CDs that mature during the first six months following the legal merger date that arerenewed for the same dollar amount and term will continue to be separately insureduntil the first maturity date after the six-month period. CDs that mature during the six-month period and are renewed on any other basis (different term or for a differentamount) will only be separately insured through the six-month period after themerger.

This six-month period allows you the opportunity to examine and restructure youraccounts to meet FDIC insurance guidelines, if needed. If you have questions aboutyour FDIC Insurance coverage:

• Call the FDIC toll-free at 1-877-ASK-FDIC.

• Refer to the FDIC website for additional details at www.fdic.gov.

• Visit one of our offices.

UNCLAIMED PROPERTY - The law establishes procedures under which unclaimedproperty must be surrendered to the state. (We may have our own rules regardingdormant accounts, and if we charge a fee for dormant accounts it will be disclosed toyou elsewhere.) Generally, the funds in your account are considered unclaimed ifyou have not had any activity or communication with us regarding your account overa period of years. Ask us if you want further information about the period of time ortype of activity that will prevent your account from being unclaimed. If your funds aresurrendered to the state, you may be able to reclaim them, but your claim must bepresented to the state. Once your funds are surrendered, we no longer have anyliability or responsibility with respect to the funds.

CASH TRANSACTION REPORTING - To help law enforcement agencies detectillegal activities, the law requires all financial institutions to gather and reportinformation on some types of cash transactions. If the information we need tocomplete the report is not provided, we are required to refuse to handle thetransaction. If you have any questions regarding these rules, please contact yourlocal Internal Revenue Service office.

BACKUP WITHHOLDING/TIN CERTIFICATION - Federal tax law requires us toreport interest payments we make to you of $10 or more in a year, and to includeyour taxpayer identification number (TIN) on the report (the taxpayer identificationnumber is your social security number if you are an individual). Interest includesdividends, interest and bonus payments for purposes of this rule. Therefore, werequire you to provide us with your TIN and to certify that it is correct. In somecircumstances, federal law requires us to withhold and pay to the IRS a percentageof the interest that is earned on funds in your accounts. This is known as backupwithholding. We will not have to withhold interest payments when you open youraccount if you certify your TIN and certify that you are not subject to backupwithholding due to underreporting of interest. (There are special rules if you do nothave a TIN but have applied for one, if you are a foreign person, or if you are exemptfrom the reporting requirements.) We may subsequently be required to begin backupwithholding if the IRS informs us that you supplied an incorrect TIN or that youunderreported your interest income.

LOST, DESTROYED, OR STOLEN CERTIFIED, CASHIER’S OR TELLER’SCHECKS - Under some circumstances you may be able to assert a claim for theamount of a lost, destroyed, or stolen certified, cashier’s or teller’s check. To assertthe claim: (a) you must be the remitter (or drawer of a certified check) or payee of thecheck, (b) we must receive notice from you describing the check with reasonablecertainty and asking for payment of the amount of the check, (c) we must receive thenotice in time for us to have a reasonable opportunity to act on it, and (d) you mustgive us a declaration (in a form we require) of your loss with respect to the check.You can ask us for a declaration form. Even if all of these conditions are met, yourclaim may not be immediately enforceable. We may pay the check until the ninetiethday after the date of the check (or date of acceptance of a certified check).Therefore, your claim is not enforceable until the ninetieth day after the date of thecheck or date of acceptance, and the conditions listed above have been met. If wehave not already paid the check, on the day your claim is enforceable we becomeobligated to pay you the amount of the check. We will pay you in cash or issueanother certified check.

At our option, we may pay you the amount of the check before your claim becomesenforceable. However, we will require you to agree to indemnify us for any losses we

might suffer. This means that if the check is presented after we pay your claim, andwe pay the check, you are responsible to cover our losses. We may require you toprovide a surety bond to assure that you can pay us if we suffer a loss.

CHANGING ACCOUNT PRODUCTS - We may change your account to anotherproduct offered by us at any time by giving you notice that your account will bechanged to another product on a specified date. If your account is a time account,the change will not occur before the next maturity date of your account. If you do notclose your account before the date specified in the notice, we may change youraccount to that other product on the date specified in the notice.

TRANSACTIONS BY MAIL - You may deposit checks by mail. You should endorsethe check being sent through the mail with the words “For Deposit Only” and shouldinclude your correct account number underneath to ensure the check is credited tothe correct account. You should use the pre-encoded checking deposit slips foundbehind your checks in your checkbook. If you do not use your deposit slip or provideus with instructions indicating how or where the check should be credited, we mayapply it to any account or any loan balance you have with us or we may return thecheck to you. Receipts for such transactions will be mailed to you only if a self-addressed stamped envelope is provided. Following your deposit, examine yourstatement carefully or call us to ensure that we received the item. Do not send cashthrough the mail for deposit.

CHECK STORAGE AND COPIES - You agree that you will not receive yourcanceled checks. We will store your canceled checks or copies of them for areasonable retention period. You may request copies from us in the manner werequire.

INTERNATIONAL ACH TRANSACTIONS - Financial institutions are required by lawto scrutinize or verify any international ACH transaction (IAT) that they receiveagainst the Specially Designated Nationals (SDN) list of the Office of Foreign AssetsControl (OFAC). This action may, from time to time, cause us to temporarily suspendprocessing of an IAT and potentially affect the settlement and/or availability of suchpayments.

ACH AND WIRE TRANSFERS - This agreement is subject to Article 4A of theUniform Commercial Code - Fund Transfers as adopted in the state in which youhave your account with us. If you originate a fund transfer and you identify by nameand number a beneficiary financial institution, an intermediary financial institution or abeneficiary, we and every receiving or beneficiary financial institution may rely on theidentifying number to make payment. We may rely on the number even if it identifiesa financial institution, person or account other than the one named. You agree to bebound by automated clearing house association rules. These rules provide, amongother things, that payments made to you, or originated by you, are provisional untilfinal settlement is made through a Federal Reserve Bank or payment is otherwisemade as provided in Article 4A-403(a) of the Uniform Commercial Code. If we do notreceive such payment, we are entitled to a refund from you in the amount credited toyour account and the party originating such payment will not be considered to havepaid the amount so credited. Credit entries may be made by ACH. If we receive apayment order to credit an account you have with us by wire or ACH, we are notrequired to give you any notice of the payment order or credit.

————————————————————————————————————YOUR ABILITY TO WITHDRAW FUNDS

This policy statement applies to “transaction” accounts. Transaction accounts, ingeneral, are accounts which permit an unlimited number of payments to thirdpersons and an unlimited number of telephone and preauthorized transfers to otheraccounts of yours with us. Checking accounts are the most common transactionaccounts. Feel free to ask us whether any of your other accounts might also beunder this policy.

Our policy is to make funds from your cash deposits available to you on the sameday as your deposit, and funds from your check deposits available to you on the firstbusiness day after the day we receive your deposit. Electronic direct deposits will beavailable on the day we receive the deposit. Once the funds are available, you canwithdraw them in cash and we will use the funds to pay checks that you have written.

Please remember that even after we have made funds available to you, and youhave withdrawn the funds, you are still responsible for checks you deposit that arereturned to us unpaid and for any other problems involving your deposit.

For determining the availability of your deposits, every day is a business day,except Saturdays, Sundays, and federal holidays. If you make a deposit beforeclosing on a business day that we are open, we will consider that day to be the dayof your deposit. However, if you make a deposit after closing or on a day we are notopen, we will consider that the deposit was made on the next business day we areopen.

If you make a deposit at an ATM before 5:00 P.M. on a business day that we areopen, we will consider that day to be the day of your deposit. However, if you make adeposit at an ATM after 5:00 P.M. or on a day we are not open, we will consider thatthe deposit was made on the next business day we are open.

If we cash a check for you that is drawn on another bank, we may withhold theavailability of a corresponding amount of funds that are already in your account.Those funds will be available at the time funds from the check we cashed would havebeen available if you had deposited it.

If we accept for deposit a check that is drawn on another bank, we may makefunds from the deposit available for withdrawal immediately but delay your availabilityto withdraw a corresponding amount of funds that you have on deposit in another



account with us. The funds in the other account would then not be available forwithdrawal until the time periods that are described elsewhere in this disclosure forthe type of check that you deposited.

LONGER DELAYS MAY APPLYCase-by-case delays. In some cases, we will not make all of the funds that you

deposit by check available to you on the first business day after the day of yourdeposit. Depending on the type of check that you deposit, funds may not be availableuntil the second business day after the day of your deposit. The first $200 of yourdeposits, however, will be available on the first business day.

If we are not going to make all of the funds from your deposit available on thefirst business day, we will notify you at the time you make your deposit. We will alsotell you when the funds will be available. If your deposit is not made directly to one ofour employees, or if we decide to take this action after you have left the premises, wewill mail you the notice by the day after we receive your deposit.

If you will need the funds from a deposit right away, you should ask us when thefunds will be available.

Safeguard exceptions. In addition, funds you deposit by check may be delayedfor a longer period under the following circumstances:

We believe a check you deposit will not be paid.

You deposit checks totaling more than $5,000 on any one day.

You redeposit a check that has been returned unpaid.

You have overdrawn your account repeatedly in the last six months.

There is an emergency, such as failure of computer or communicationsequipment.

We will notify you if we delay your ability to withdraw funds for any of thesereasons, and we will tell you when the funds will be available. They will generally beavailable no later than the seventh business day after the day of your deposit.

SPECIAL RULES FOR NEW ACCOUNTSIf you are a new customer, the following special rules will apply during the first 30

days your account is open.

Funds from electronic direct deposits to your account will be available on the daywe receive the deposit. Funds from deposits of cash, wire transfers, and the first$5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal,state and local government checks will be available on the first business day after theday of your deposit if the deposit meets certain conditions. For example, the checksmust be payable to you (and you may have to use a special deposit slip). The excessover $5,000 will be available on the ninth business day after the day of your deposit.If your deposit of these checks (other than a U.S. Treasury check) is not made inperson to one of our employees, the first $5,000 will not be available until the secondbusiness day after the day of your deposit.

Funds from all other check deposits will be available on the eleventh businessday after the day of your deposit.

————————————————————————————————————PAYMENT ORDER OF ITEMS

The order in which items are paid is important if there is not enough money in youraccount to pay all of the items that are presented. The payment order can affect thenumber of items overdrawn or returned unpaid and the amount of the fees you mayhave to pay. To assist you in managing your account, we are providing you with thefollowing information regarding how we process those items.

Our policy is to process transfers, wire transfers, and bill pay transactions for whichthe receiver accepts ACH payments first, in numerical order by serial number whenour systems receive the serial number, on the day they are processed. If serialnumber is not available, these transactions are processed by dollar amount -smallest to largest, before the items with serial numbers.

We process on-us checks cashed in a branch and withdrawals in a branch second, innumerical order by check number when our systems receive the check number, onthe day they are processed; otherwise, the transactions are processed by dollaramount - smallest to largest - before items with check numbers.

We process ATM transactions third, in chronological order when our systems receivedate and time information, on the day they are processed; otherwise, thetransactions are processed by dollar amount - smallest to largest - after items withtime detail.

We process debit card point-of-sale transactions fourth, in chronological order whenour systems receive date and time information, on the day they are processed;otherwise, the transactions are processed by dollar amount - smallest to largest -after items with time detail.

We process ACH debits (commonly referred to as preauthorized or automaticpayments and include electronic check conversions and remotely created checks)fifth, in numerical order by serial number when our systems receive the serialnumber, on the day they are processed. If serial number is not available, thesetransactions are processed by dollar amount - smallest to largest, before items withserial numbers.

We process all other checks and similar items (including paper checks issued for billpay transactions for which the receiver does not accept ACH payments) sixth, innumerical order by check number when our systems receive the check number, onthe day they are processed. If check number is not available, these transactions areprocessed by dollar amount - smallest to largest - before items with check numbers.

If a check, item or transaction (other than an ATM or everyday debit card transaction)is presented without sufficient funds in your account to pay it, we may, at ourdiscretion, pay the item (creating an overdraft) or return the item for insufficient funds(NSF). The amounts of the overdraft and NSF fees are disclosed elsewhere, as areyour rights to opt in to overdraft services for ATM and everyday debit cardtransactions, if applicable. We encourage you to make careful records and practicegood account management. This will help you to avoid creating items withoutsufficient funds and potentially incurring the resulting fees.

————————————————————————————————————AMERICAN NATIONAL BANK

VISA® BUSINESS CHECK CARD AGREEMENT TERMS AND CONDITIONS

Introduction. This American National Bank VISA® Business Check Card Agreement(“Agreement”) contains contract terms and other important information relating toyour American National Bank VISA® Business Check Card (“Card”). These termsgovern the operation of this account unless varied or supplemented in writing. ThisAgreement also incorporates any other terms and conditions provided separatelywith your account agreement as well as the terms of any disclosures you may havereceived. You should read this Agreement carefully and keep a copy for yourrecords.

Applicable Law. This Agreement will be governed by the laws of the state in whichyour account is located as well as federal laws and regulations. Normal bankingcustoms and practices also apply.

Definitions. Unless inconsistent, words and phrases used in this document shall beconstrued so that the singular includes the plural and the plural includes the singular.The words “we,” “our,” and “us” refer to the financial institution which issues the Card.The words “you” and “your” refer to the owner of the specific account for which Cardtransactions are permitted. The word “Cardholder” refers to any person authorized byyou to use the Card.

Business Card Purpose. You and any Cardholder agree that this Card is for use bybusiness owners and employees. The Card can be used for business purpose point-of-sale and Automated Teller Machine (ATM) transactions only. The Card may not beused for personal purposes. You acknowledge and understand that the Card shallnot be treated as a consumer card under the provisions of state and federal law. Youagree to provide written instructions to all Cardholders that the Card shall not beused for consumer purposes. We assume all transactions are for business purposes.We do not monitor transactions to determine their purpose.

Account Requirement, Payment Responsibility, Transferability, Enforceability.The services described in this Agreement will be available to you only as long as youmaintain a business checking or savings account with us. You are liable for thepayment of Card transactions authorized by you or your agent or any Cardholder ortheir agent. This account may not be transferred or assigned without our writtenconsent.

If any terms of this Agreement cannot be legally enforced, it will be consideredchanged to the extent necessary to comply with applicable laws. If any part of thisAgreement becomes unenforceable, it will not make any other part unenforceable.

How to Use the Business Card, Security Procedures. The Card allowsCardholders to directly access the business checking or savings account specified inyour Card Application. We will issue Cards and codes to you at your request. EachCard will identify your business as well as the Cardholder.

You agree to the following security procedures. Each Cardholder must sign theirCard before it may be used. You agree to require both a Card and a code to be usedtogether to obtain cash at designated ATMs and that this provides a commerciallyreasonable security procedure. However, you may use your Card to purchase goodsor pay for services without a code. Once a Card has been issued it cannot betransferred to another person. You agree to immediately notify us when youterminate a Cardholder’s rights and to promptly return the Card to us. You agree toprovide written instructions to all Cardholders about the importance of protecting theCard and code. You agree to examine your receipts and periodic statements in atimely manner. You agree that the dollar/frequency limits assigned to eachCardholder will also act as a security procedure.

Termination and Amendments.• We may terminate this Agreement by written notice to you.

• You may terminate this Agreement by written notice to us.

We may make amendments to this Agreement in the same method as provided inthe terms and conditions provided in your account agreement. Use of your Card afterreceipt of notice of an amendment constitutes your acceptance of the change.

Notices. Any notices mailed to you under this Agreement will be mailed to theaddress we have for you in our records. You will keep us notified of your currentmailing address.

Order of Payment. Our policy is to post and pay Card transactions in the order theyare received. We reserve the right to pay Card transactions before checks, drafts,and other items.

Overdraft Protection. If your account has an overdraft protection feature, unlessotherwise agreed in writing, Card transactions that would otherwise overdraw youraccount will be covered by the overdraft protection feature. Your overdraft protection


feature will be documented on a separate agreement. You should become familiarwith that document as some of the terms, such as your liability for unauthorizedtransfers initiated with your Card, may vary from the terms of this Agreement.

TYPES OF TRANSACTIONSBelow are the types of transactions your Card will accommodate.

ATM Transfers. You may access your account by ATM using your Card and codeto:

• get cash withdrawals from your checking account.

- you may withdraw no more than $1,000.00 per 24 hours.

• get cash withdrawals from your savings account.

- you may withdraw no more than $1,000.00 per 24 hours.

• transfer funds from your checking account to your savings account.

• transfer funds from your savings account to your checking account.

• get information about:

- the account balance of your checking account.

- the account balance of your savings account.

Some of these services may not be available at all terminals.

Point-of-Sale Transactions. You may access your checking account with your Cardto purchase goods (in person, online, or by phone), pay for services (in person,online, or by phone), get cash from a merchant, if the merchant permits, or from aparticipating financial institution, and do anything that a participating merchant willaccept.

Using your Card and/or code:

• you may not exceed $3,000.00 in transactions per 24 hours.

Currency Conversion and International Transactions. When you use your Cardat a merchant that settles in currency other than US dollars, the charge will beconverted into the US dollar amount. The currency conversion rate used todetermine the transaction amount in US dollars is either a rate selected by Visa fromthe range of rates available in wholesale currency markets for the applicable centralprocessing date, which rate may vary from the rate Visa itself receives, or thegovernment-mandated rate in effect for the applicable central processing date. Theconversion rate in effect on the processing date may differ from the rate in effect onthe transaction date or posting date.

Visa USA charges us a .8% International Service Assessment on all internationaltransactions, regardless of whether there is a currency conversion. If there is acurrency conversion, the International Service Assessment is 1% of the transaction.In either case, we pass this international transaction fee on to you. An internationaltransaction is a transaction where the country of the merchant is outside the USA.

Advisory Against Illegal Use. You agree not to use your Card for illegal gamblingor other illegal purpose. Display of a payment card logo by, for example, an onlinemerchant does not necessarily mean that transactions are lawful in all jurisdictions inwhich the Cardholder may be located.

Non-Visa Debit Transaction Processing. We have enabled non-Visa debittransaction processing. This means you may use your Visa-branded debit card on aPIN-Debit Network* (a non-Visa network) without using a PIN.

The provisions of your agreement with us relating only to Visa transactions are notapplicable to non-Visa transactions. For example, the additional limits on liability(sometimes referred to as Visa's zero-liability program) and the streamlined errorresolution procedures offered on Visa debit card transactions are not applicable totransactions processed on a PIN-Debit Network.

*Visa Rules generally define PIN-Debit Network as a non-Visa debit network thattypically authenticates transactions by use of a personal identification number (PIN)but that is not generally known for having a card program.

FEES• Please refer to the separate fee schedule for additional information on fees.

ATM Operator/Network Fees. When you use an ATM not owned by us, you may becharged a fee by the ATM operator or any network used (and you may be charged afee for a balance inquiry even if you do not complete a fund transfer).

DOCUMENTATIONTerminal Transfers. You can get a receipt at the time you make a transfer to or fromyour account using an automated teller machine or point-of-sale terminal. However,you may not get a receipt if the amount of the transfer is $15 or less.

Retain Copies for Your Records. You should retain copies of all records includingreceipts, credit slips (for returned merchandise), and cancellation numbers (forcancelled reservations). You should also mark each transaction in your accountrecord (but not while at a terminal). You should review your periodic statement foraccuracy and compare your account record against your periodic statement toreconcile balances.

Periodic Statements. You will get a monthly account statement from us for yourchecking account that will also include a record of transactions made using yourCard.

Periodic Statements. You will get a monthly account statement from us for yoursavings account that will also include a record of transactions made using your Card,unless there are no transfers in a particular month. In any case, you will get astatement at least quarterly.

LIMITATIONS ON OUR LIABILITYWe will not be liable if:

• you do not have enough money in your account to make the transfer.

• you have an overdraft line and the transfer would cause you to exceed yourcredit limit.

• an ATM does not have sufficient cash.

• a terminal or system is not working properly.

• circumstances beyond our control (such as fire or flood) prevent the transfer.

• a merchant refuses to accept your Card.

• an ATM rejects your Card.

There may be other limitations on our liability.

UNAUTHORIZED TRANSFERSAdditional Risk Associated with Use of Business Purpose Cards. You will nothave the benefit of any consumer law limiting liability with respect to the unauthorizeduse of your Card. This means your liability for the unauthorized use of your Cardcould be greater than the liability in a consumer debit card transaction. You acceptand agree to undertake the additional risk and greater measure of liability associatedwith the use of business purpose cards as described in this Agreement.

Your Liability for Unauthorized Transfers. You are liable for Card transactions youdo not authorize if we can prove that we processed the transaction in good faith andin compliance with a commercially reasonable security procedure to which we bothagreed, unless otherwise required by law.

Tell us AT ONCE if you believe your Card and/or code has been lost or stolen.Telephoning is the best way of keeping your possible losses down. You could lose allthe money in your account (plus your maximum overdraft line of credit). If your Cardand/or code is lost, stolen, or used without your permission, you agree to notify usimmediately and to promptly confirm such notice in writing. Your liability fortransactions with your Card and/or code will continue until 2 business days after theday we receive such written notice. If you do not notify us within 60 days from whenthe periodic statement containing an unauthorized transaction was first mailed ormade available to you, we will be entitled to treat the information in the periodicstatement as correct, and you will be precluded from asserting otherwise.

Additional Limit on Liability. Unless you have been negligent or have engaged infraud, you will not be liable for any transactions using your lost or stolen Card if youreport the unauthorized transfer within 60 days of the mailing date of the firststatement showing the unauthorized transfer. Unauthorized transfers do not include:1) any transaction by a business co-owner, a cardholder or person authorized by acardholder, or other person with an interest in or authority to transact business on theaccount; or 2) any transaction by a cardholder that exceeds the authority given bythe Visa Business check card account owner. This additional limit on liability does notapply to ATM transactions outside of the U.S., to ATM transactions not sent overVisa or Plus networks, or to transactions using your Personal Identification Numberwhich are not processed by Visa®. Visa is a registered trademark of VisaInternational Service Association.

Contact in Event of Unauthorized Transfer. If you believe your Card and/or codehas been lost or stolen or that someone has transferred or may transfer money fromyour account without your permission, call or write us at the telephone number oraddress listed in this disclosure.

Consequential Damages. We will not be liable for any consequential or incidentaldamages resulting from the unauthorized use of your Card.

ERROR RESOLUTIONYou agree to examine your receipts and periodic statements using ordinary care andto report any errors or problems to us within a reasonable time. You agree that thetime to examine your statement and report to us will depend on the circumstances,but will not, in any circumstance, exceed a total of 60 days from when the statementcontaining the error or problem was first mailed or made available to you. If you donot report within 60 days, we will be entitled to treat such information as correct andyou will be precluded from asserting otherwise. You further agree that if you fail toreport to us within 14 days from when the statement was first mailed or madeavailable to you that we will not be required to pay interest on any refund to whichyou may be entitled. We will only recredit your account for errors or problems asrequired by law.

Call or write us immediately with errors or questions about your electronic transfersat the telephone number or address listed in this disclosure. If you tell us orally, wemay require your complaint or question in writing within 14 business days.

For transactions processed by Visa, we will determine whether an error occurredwithin 5 business days after we hear from you and will correct any error promptly. Ifwe need more time, however, we will credit your account within 5 business days forthe amount you think is in error, so that you will have the use of the money during thetime it takes us to complete our investigation. We will tell you the results within threebusiness days after completing our investigation. If we decide that there was no error,we will send you a written explanation. For transactions not processed by Visa, we willinvestigate the matter and notify you of the results within a reasonable amount of time.The exact time will depend on the specific circumstances of the error or problem.

You may ask for copies of the documents that we used in our investigation.

AMERICAN NATIONAL BANK AND TRUST COMPANYDEPOSIT OPERATIONS MANAGER

P.O. BOX 191DANVILLE, VIRGINIA 24543

© 2016 Wolters Kluwer Financial Services, Inc. All rights reserved.AIB-B 6/1/2016 3o Custom TCM-56Bt,4m,7y 201261565-010 Page 8 of 12Business Account Disclosures Page 8 of 12


Business Days: Monday through FridayExcluding Federal Holidays

Phone: (434) 792-5111or (800) 240-8190 (Toll Free)

NOTICE OF ATM/NIGHT DEPOSITFACILITY USER PRECAUTIONS

As with all financial transactions, please exercise discretion when using anautomated teller machine (ATM) or night deposit facility. For your own safety, becareful. The following suggestions may be helpful.

1. Prepare for your transactions in advance (for instance, by filling out a depositslip) to minimize your time at the ATM or night deposit facility.

2. Mark each transaction in your account record, but not while at the ATM ornight deposit facility. Always save your ATM receipts. Don’t leave them atthe ATM or night deposit facility because they may contain important accountinformation.

3. Compare your records with the account statements you receive.

4. Don’t lend your ATM Card to anyone.

5. Remember, do not leave your Card at the ATM. Do not leave any documentsat a night deposit facility.

6. Protect the secrecy of your Personal Identification Number (PIN). Protectyour ATM Card as though it were cash. Don’t tell anyone your PIN. Don’t giveanyone information regarding your ATM Card or PIN over the telephone.Never enter your PIN in any ATM that does not look genuine, has beenmodified, has a suspicious device attached, or is operating in a suspiciousmanner. Don’t write your PIN where it can be discovered. For example, don’tkeep a note of your PIN in your wallet or purse.

7. Prevent others from seeing you enter your PIN by using your body to shieldtheir view.

8. If you lose your ATM Card or if it is stolen, promptly notify us. You shouldconsult the other disclosures you have received about electronic fundtransfers for additional information about what to do if your Card is lost orstolen.

9. When you make a transaction, be aware of your surroundings. Look out forsuspicious activity near the ATM or night deposit facility, particularly if it isafter sunset. At night, be sure that the facility (including the parking area andwalkways) is well lighted. Consider having someone accompany you whenyou use the facility, especially after sunset. If you observe any problem, go toanother ATM or night deposit facility.

10. Don’t accept assistance from anyone you don’t know when using an ATM ornight deposit facility.

11. If you notice anything suspicious or if any other problem arises after you havebegun an ATM transaction, you may want to cancel the transaction, pocketyour Card and leave. You might consider using another ATM or coming backlater.

12. Don’t display your cash; pocket it as soon as the ATM transaction iscompleted and count the cash later when you are in the safety of your owncar, home or other secure surrounding.

13. At a drive-up facility, make sure all the car doors are locked and all of thewindows are rolled up, except the driver’s window. Keep the engine runningand remain alert to your surroundings.

14. We want the ATM and night deposit facility to be safe and convenient for you.Therefore, please tell us if you know of any problem with a facility. Forinstance, let us know if a light is not working or there is any damage to afacility. Please report any suspicious activity or crimes to both the operator ofthe facility and the local law enforcement officials immediately.

————————————————————————————————————SPECIFIC ACCOUNT DETAILS

BUSINESS CHECKING ACCOUNTMinimum balance to open the account - You must deposit $100.00 to open thisaccount.

Minimum balance requirements - A minimum balance of $5.00 is required tomaintain this account. If the balance falls below $5.00, the account may be closed.

Fees:A service fee of $.50 will be charged for each transaction (including items depositedand ACH transactions) in excess of 250 during a statement cycle.

A new account closing fee of $25.00 will be imposed if the account is closed within90 days of opening.

A paper statement with check images is available for $3.00 per statement cycle.

Coin and Currency Fees:Up to $10,000.00 in currency and coin may be exchanged at no charge perstatement cycle. A service charge of $1.50 for each additional $1,000.00 in currencyand coin exchanged will be imposed.

BUSINESS PLUS CHECKING ACCOUNTMinimum balance to open the account - You must deposit $100.00 to open thisaccount.

Minimum balance to avoid imposition of fees - A service charge fee of $20.00 willbe imposed every statement cycle if the balance in the account falls below $5,000.00any day of the cycle.

Fees:A service fee of $.50 will be charged for each transaction (including items depositedand ACH transactions) in excess of 600 during a statement cycle.




BUSINESS INTEREST CHECKING ACCOUNTRate Information - Your interest rate and annual percentage yield may change.Frequency of rate changes - We may change the interest rate on your account atany time. As of February 27, 2019, the interest rate is 0.05% with an annualpercentage yield of 0.05%.

Determination of rate - At our discretion, we may change the interest rate on youraccount.

Effect of closing account - If you close your account before interest is credited, youwill receive the accrued interest.

Compounding and crediting frequency - Interest will be compounded every day.Interest will be credited to your account every month.

Minimum balance to open the account - You must deposit $100.00 to open thisaccount.

Minimum balance to avoid imposition of fees - A service charge fee of $12.00 willbe imposed every statement cycle if the balance in the account falls below $5,000.00any day of the cycle.

Daily balance computation method - We use the daily balance method to calculatethe interest on your account. This method applies a daily periodic rate to the principalin the account each day.

Accrual of interest on noncash deposits - Interest begins to accrue no later thanthe business day we receive credit for the deposit of noncash items (for example,checks).

Fees:A service charge fee of $.50 will be charged for each transaction (including itemsdeposited and ACH transactions) in excess of 250 during a statement cycle.




COMMUNITY INTEREST CHECKING ACCOUNTRate Information - Your interest rate and annual percentage yield may change.Frequency of rate changes - We may change the interest rate on your account atany time. As of February 27, 2019, the interest rate is 0.01% with an annualpercentage yield of 0.01%.



Compounding and crediting frequency - Interest will be compounded every day.Interest will be credited to your account every month.


Minimum balance to obtain the annual percentage yield disclosed - You mustmaintain a minimum balance of $500.00 in the account each day to obtain thedisclosed annual percentage yield.



Fees:A new account closing fee of $25.00 will be imposed if the account is closed within90 days of opening.


Additional Terms:This account is available to trusts, interest on Lawyer’s Trust accounts, and non-profit organizations operated primarily for religious, philanthropic, educational,political, or other similar purposes.


BUSINESS ANALYZED CHECKING ACCOUNT(The account will be subject to monthly analysis charges

if the cost of the analyzed services exceeds the earnings credit.)Earnings Credit - This account features an earnings credit which is applied toreduce or eliminate fees on the account. If the earnings credit exceeds the fees forany period, you will be assessed no fees but you will not be paid, carry forward orotherwise receive credit for any excess earnings credit.

Earnings Credit Calculation - The earnings credit will be calculated by applying theperiodic earnings credit rate to the average daily investable balance in the accountfor the period. At our discretion, the periodic earnings credit rate may change at anytime. As of February 27, 2019, the earnings credit will be calculated by applying theperiodic rate of 0.35 to the average investable balance in the account for eachperiod. The average daily collected balance is calculated by adding the collectedbalance (as described later in this section) in the account for each day of the periodand dividing by the number of days in the period. The period we use is the monthlystatement cycle. The investable balance is the average daily collected balancereduced by 10%.

The collected balance is the book balance minus any checks or other itemsdeposited into and provisionally posted to the account which have not yet beencollected, as determined by our records.


Accrual of Earnings on NonCash Deposits - For deposits of noncash items (forexample, checks), earnings begin to accrue when collected, as determined by ourrecords.

Fees:A new account closing fee of $25.00 will be charged if the account is closed within 90days of opening.

See the Commercial Fee Schedule for details on transaction, processing, and otherrelated fees.

BUSINESS EASY SAVE ACCOUNTRate Information - Your interest rate and annual percentage yield may change.Frequency of rate changes - We may change the interest rate on your account atany time. As of February 27, 2019, the interest rate is 0.03% with an annualpercentage yield of 0.03%.



Compounding and crediting frequency - Interest will be compounded every day.Interest will be credited to your account every quarter.


Minimum balance requirements - A minimum balance of $25.00 is required tomaintain this account. If the balance falls below $25.00, the account may be closed.

Minimum balance to avoid imposition of fees - A service charge fee of $5.00 willbe imposed every statement cycle if the balance in the account falls below $200.00any day of the cycle.



Transaction limitations:Transfers from a Business Easy Save account to another account or to third partiesby preauthorized, automatic, telephone, or computer transfer or by check, debit card,or similar order to third parties are limited to six per statement cycle.

Fees:A service charge fee of $5.00 will be charged for each debit transaction (withdrawal,check paid, automatic transfer or payment out of this account) in excess of six duringa statement cycle.


BUSINESS MONEY MARKET ACCOUNTRate Information - Your interest rate and annual percentage yield may change.Frequency of rate changes - We may change the interest rate on your account atany time. This is a tiered rate account. The tiers that apply to your account, as ofFebruary 27, 2019, are as follows: For account balance from $0 to $2,500.99, theinterest rate is 0.02% with an annual percentage yield of 0.02%; for account balancefrom $2,501.00 to $10,000.99, the interest rate is 0.04% with an annual percentageyield of 0.04%; for account balance from $10,001.00 to $25,000.99, the interest rateis 0.06% with an annual percentage yield of 0.06%; for account balance of $25,001and above, the interest rate is 0.10% with an annual percentage yield of 0.10%.



Compounding and crediting frequency - Interest will be compounded everymonth. Interest will be credited to your account every month.


Minimum balance to avoid imposition of fees - A minimum balance fee of $15.00will be imposed every statement cycle if the balance in the account falls below$2,500.00 any day of the cycle.



Transaction limitations:Transfers from a Business Money Market account to another account or to thirdparties by preauthorized, automatic, telephone, or computer transfer or by check,draft, debit card, or similar order to third parties are limited to six per statement cycle.

Fees:An excess activity fee of $10.00 will be charged for each debit transaction(withdrawal, check paid, automatic transfer or payment out of this account) in excessof six during a statement cycle.


BUSINESS PREMIUM MONEY MARKET ACCOUNTRate Information - Your interest rate and annual percentage yield may change.Frequency of rate changes - We may change the interest rate on your account atany time. This is a tiered rate account. The tiers that apply to your account, as ofFebruary 27, 2019, are as follows: For account balance from $0 to $25,000.99, theinterest rate is 0.02% with an annual percentage yield of 0.02%; for account balancefrom $25,001.00 to $100,000.99, the interest rate is 0.10% with an annualpercentage yield of 0.10%; for account balance from $100,001.00 to $250,000.99,the interest rate is 0.20% with an annual percentage yield of 0.20%; for accountbalance from $250,001.00 to $500,000.99, the interest rate is 0.25% with an annualpercentage yield of 0.25%; for account balance from $500,001.00 to $1,000,000.99,the interest rate is 0.30% with an annual percentage yield of 0.30%; for accountbalance of $1,000,001 and above, the interest rate is 1.20% with an annualpercentage yield of 1.21%.


Compounding and crediting frequency - Interest will be compounded everymonth. Interest will be credited to your account every month.

Minimum balance to open the account - You must deposit $25,000.00 to open thisaccount.

Minimum balance to avoid imposition of fees - A minimum balance fee of $20.00will be imposed every statement cycle if the balance in the account falls below$25,000.00 any day of the cycle.



Transaction limitations:Transfers from a Business Money Market account to another account or to thirdparties by preauthorized, automatic, telephone, or computer transfer or by check,draft, debit card, or similar order to third parties are limited to six per statement cycle.

Fees:An excess activity fee of $15.00 will be charged for each debit transaction(withdrawal, check paid, automatic transfer or payment out of this account) in excessof six during a statement cycle.

CERTIFICATE OF DEPOSIT/IRA ACCOUNTSEffective April 29, 2019, the interest computation for Certificate of Deposit account(s)including IRAs will change from compounding daily to simple interest. Interest will becredited quarterly instead of annually, or paid by check or direct deposit, as you hadpreviously elected. Please note that while the interest rate will remain the same, theannual percentage yield may decrease. All other terms will remain the same.

COMMON FEATURESThe categories of transactions for which an overdraft fee may be imposed are thoseby any of the following means: check, in-person withdrawal, ATM withdrawal, orother electronic means.

We reserve the right to require not less than 7 days’ notice in writing before eachwithdrawal from an interest-bearing account other than a time deposit or demanddeposit, or from any other savings account as defined by Regulation D. (The lawrequires us to reserve this right, but it is not our general policy to use it.) Withdrawalsfrom a time account prior to maturity or prior to any notice period may be restrictedand may be subject to penalty. See your notice of penalty for early withdrawal.

————————————————————————————————————

© 2016 Wolters Kluwer Financial Services, Inc. All rights reserved.AIB-B 6/1/2016 3o Custom TCM-56Bt,4m,7y 201261565-010 Page 10 of 12Business Account Disclosures Page 10 of 12


DEPOSIT ACCOUNTS FEE SCHEDULE

Fee Per

DEPOSIT SERVICES

Overdraft, Returned Items:

Paid Item Due to Non-sufficient Funds (NSF) $36.00 Item

Returned Item Due to Non-sufficient Funds (NSF) $36.00 Item

Deposited Checks and Corrections:

Returned Unpaid $10.00 Item

Returned Unpaid with Special Handling $20.00 Item

Stop Payment:

Stop Payment $36.00 Check/ACH

Night Deposit Bags:

Lock Bag $30.00 Bag

Zipper Bag $5.00 Bag

Disposable Bag Vendor Pricing

Miscellaneous:

Monthly Paper Statement with Images $3.00 Statement

Duplicate Statement $10.00 Statement

Check Printing Vendor Pricing

ELECTRONIC BANKING SERVICES

ATM: (Fee per Withdrawal)

Using ATM Outside of American National Network $2.00 Transaction

American National ATM Usage by Non-customer $3.50 Transaction

WIRE TRANSFER SERVICES

Incoming:


Foreign $37.00 Wire

Outgoing:


Domestic - Repetitive or Internet $17.00 Wire

Foreign $59.00 Wire

FOREIGN COLLECTION SERVICES

Foreign Checks $35.00 Check and Collection Costs

FOREIGN CURRENCY SERVICES

Foreign Currency Buy/Sell $20.00 Order

Foreign Currency Buy/Sell (Premier Relationship) $10.00 Order

Foreign Currency Buy/Sell Additional Processing Fee (Orders < $200.00) $10.00 Order

RESEARCH SERVICES

Photocopy $0.50 Page

Research $40.00 Hour

Account Balancing Assistance $40.00 Hour

MISCELLANEOUS SERVICES

Cashier’s Check $8.00 Check

IRA Transfer Fee $60.00 Transfer

Attachment, Garnishments, Levies $75.00 plus $0.50 per Copy Garnishment or Levy

Replacement ATM Card $5.00 Per Card

Replacement Debit Card $5.00 Per Card

FI-to-FI Transfer Fee $1.00 Transfer

SAFE DEPOSIT BOXES






10 x 10 $111.00 Annually

10 x 15 $131.00 Annually

Drilling a Box $200.00 Occurrence

Additional Key Made $25.00 Occurrence



COMMERCIAL/BUSINESS FEE SCHEDULE

Fee Per

BUSINESS ANALYZED ACCOUNTS

Currency and Coin:

Deposited, Withdrawn, Exchanged $0.50 $1,000.00

Processing:

Debits (Checks) Processed $0.18 Item

Credits Processed $0.45 Transaction

Deposited Items - On Us $0.11 Item

Deposited Items - Foreign $0.12 Item

ACH Debits $0.13 Item

ACH Credits $0.13 Item

Miscellaneous:

Account Maintenance $16.00 Month

Zero Balance Account $11.00 Month

Negative Collected Balance Fee WSJ Prime Rate + 3%

BUSINESS ACCOUNTS

Miscellaneous:

Account Reconciliation $60.00 Month

Positive Pay $30.00 Month

CD-ROM Statement $35.00 CD per Month

Electronic Tax Payments - Special Handling $11.00 Item

FED EDI Encrypted Report $10.00 Month

Night Deposit Drop Bags (Applies Only to Depository Transfer Accounts) $2.00 Bag

Automatic Sweep:

Repurchase Agreement $130.00 Month

Credit Line $43.00 Month

Repurchase Agreement with Credit Line $155.00 Month

ACH Origination:

Monthly Fee - 30 or Fewer Employees $30.00 Cycle

Pricing for Business Customers with more than 30 Employees

Data Transmissions via Internet $18.00 File

Per Item in File Charge $0.13 Item

Remote Deposit Capture:

Initial Set-up Fee $130.00 One Time

Maintenance Fee $30.00 Account

Deposit Tickets and Checks Processed $0.12 Item

Member FDIC


we're here to help!

We included many necessary details and information in this Welcome Guide but we understand you still might need some assistance. If you have any questions regarding the transition of your account(s) to American National Bank & Trust Company or need further clarification, please do not hesitate to contact your local branch. We also offer these customer service channels as well.

General Questions:Contact your primary branch – all phone numbers are listed on

page 3 of this Welcome Guide or you can contact

(800) 240-8190

Customer Support Center (After Hours) (844) 745-3505

Email [email protected]

Treasury SupportContact your treasury officer

24/7 Automated Telephone Banking (877) 534-2345

24/7 Online Bankingwww.amnb.com

628 MAIN STREET | DANVILLE, VA 24541

Proud to call the RoanokeValley home

Privileged to serve you, your family and your business

www.amnb.com

| Bigger. Better. Stronger. Together. |

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