Checking Accounts

Smart Checking Smart Tunes Direct Checking Relationship Checking Advantage Plus Star Checking American Classic Student

Earn a high rate of interest on the This free checking Take advantage of the Earn more rewards when you Get the account that This account makes The perfect no-fee checking Designed for students money in your account and get free account rewards you with economical checking combine this checking account pays you interest, your money work for account for those who are younger than age 22, foreign ATM fee refunds by meeting iTunes® download credits account with no with a money market, savings provides free checks and you by paying interest at least 55 years of age this free account has qualifications when qualifications service fees or account or personal loan or more for a low monthly when you maintain a no monthly service fee are met minimum balance maintain a minimum balance service fee minimum balance

Minimum to Open

$100 $100 $100 $100 $100 $100 $100 $100

Minimum Balance

$0 $0 $0 $750 minimum daily balance or $0 $10,000 $0 $0 a $10,000 minimum balance in a combination of the following account relationships: money market, savings account or a personal loan

Interest Earned

Pays a high rate of None None Pays interest when a $750 Pays interest Pays interest on Pays interest with a $1,000 None interest when minimum daily balance is balances above minimum daily balance qualifications are met maintained $5,000

Monthly Service Fee

None None No monthly service Low monthly service fee if $10 service fee Low $15 monthly No monthly service fee No monthly service fee with direct deposit checking balance falls below service fee if balance for customers at least 55 fee for students (low $5 monthly $750 or if relationship accounts does not meet years of age younger than 22 years service fee without) do not meet minimum minimum of age* requirements ($6 without check requirements *Account converts to a Direct images; $9 with check images) Checking account once student reaches age 22

Special Features

• Earn ATM fee refunds • Earn bonus iTunes® • Unlimited • Check images returned at • Free Advantage • Free first box of • Free first box of • Unlimited ($5 max per transaction; this download credits Transactions no fee* Series checks specialty checks specialty checks transactions ® ® (checks, Visa includes our $2 foreign ATM fee upon account (checks, Visa Check • Free Visa® Gift Card and up to $3 to cover ATM fees opening Card, American • Free specialty checks • Free use of 3"x5" • Unlimited transactions Check Card, (limit two per month) ® from other institutions) National Bank ATM safe-deposit box (checks, Visa Check American National • Earn ATM fee refunds and pre-authorized • Free Visa® Gift Card • Five free foreign (where available) Card, American Bank ATMs and ($5 max per trans- • Easy to qualify withdrawals) (limit two per month) ATM transactions for the first year National Bank ATMs pre-authorized - At least 12 Visa® Check Card action; this includes withdrawals) per month • Check images and pre-authorized purchases per month, post and our $2 foreign ATM • Check safekeeping withdrawals) • Five free foreign ATM returned with • Check clear fee and up to $3 to transactions per month* • Check images - Access Personal Online Banking cover ATM fees from returned with statements at no • Free use of 3"x5" safekeeping fee - Enroll and receive eStatements* other institutions) statements at no safe-deposit box • Five free foreign - At least one Direct Deposit, *If minimum requirements fee (where available) • Earn iTunes® are met • Unlimited free ATM transactions Bill Pay or Automatic Debit foreign ATM • Free Visa® Gift Card (ACH transaction), post and clear download credits • Additional benefits by meeting qualifications - $10,000 Accidental transactions (limit two per month) each month Death and Dismem- • Free Visa® Gift Card or money orders Smart Checking berment Coverage • Easy to Qualify (limit two per month) • Check safekeeping Plus Smart Saver ® - Credit card - Savings linked to your Smart - At least 12 Visa protection, home Checking account Check Card inventory, child - Automatically transfers interest purchases per month, ID kit and more and ATM refunds from Smart post and clear Checking - Access Personal - Earn a high rate of interest Online Banking (when qualifications are met) - Enroll and receive eStatements* *eStatements are required *eStatements are required Banking the American Way. Savings Accounts Consumer Money Market • Earn a higher rate of interest. Interest is compounded monthly. • Pays interest when minimum daily balance requirement of $2,500 is met. Banking the American Way. • Up to six withdrawals, transfers, automatic payments, checks, drafts or debit card transactions allowed each cycle ($15.50 for each exceeding six).* • Monthly service fee waived if minimum daily Savings Features balance of $2,500 is maintained. Low monthly service fee of $8 per month if minimum not met. Each plan is designed to make it simple and convenient for you to build your savings and Savings I offer you total flexibility in reaching your goals. Each account comes with the following features: • Interest paid when minimum daily balance requirement of $100 is met. Interest is Optional ATM Card compounded monthly. If requested, each savings account comes with a • Up to six withdrawals/transfers monthly ($2 free ATM card that allows access at American for each withdrawal or transfer exceeding six).* National Bank ATM machines at no charge. • Monthly service fee waived if minimum daily (For use at nonbank-owned ATM machines, there balance of $100 is maintained. Low monthly is a minimal charge of $2 for each transaction.) service fee of $2 per month if minimum not met. Quarterly Statement Savings II You will receive at least one detailed statement • Interest paid on $200 or more minimum daily each quarter that summarizes the transaction and balance. Interest is compounded monthly. balance information for your account. If you make an electronic withdrawal or transaction during a • Offers additional flexibility with unlimited month, you will receive a monthly statement for withdrawal privileges. that month. • Monthly service fee waived if minimum daily Money market accounts will receive a monthly balance of $200 is maintained. Low monthly statement. service fee of $2 per month if minimum not met. If you also have a checking account with us, you can receive a monthly combined statement Student Savings summarizing both your checking and savings • For students under 22 years of age. activity by account. Ask for details. • Pays interest. Interest compounded monthly. Mobile Banking • Up to six withdrawals/transfers monthly ($2 for each withdrawal or transfer exceeding six).* Use your mobile phone to access online banking. Receive account information via text message, • Monthly service fee waived if $50 minimum make transactions through your mobile browser or daily balance is maintained. Low monthly service download our convenient Touch Banking app. fee of $2 per month if minimum not met. E-Statements Certificates of Deposit/IRAs Improve the safety and security of receiving your • Certificates of Deposit (CDs) offer a secure monthly statement by having it sent electronically. alternative for saving with a fixed-dollar amount. Valid email address is required. Rates are guaranteed for the full term of the certificate. Interest rates are typically higher Online Banking than a regular savings account and vary Manage your money from the comfort of your depending on term and investment. home or office using your personal computer. • Wide range of terms available — up to five years. Access your accounts, check balances or transfer funds. • Interest on certificates with terms of three months or greater is compounded monthly. BankLink Interest on certificates with terms of less than Customer service is at your fingertips via the three months is compounded at maturity. 24-hour telephone service number. You can get • Certificates of $100,000 or more may qualify complete and current account information on your for special rates. money market, savings, CDs or complete investment calculations. You also can find the • Penalty may be imposed for early withdrawal. location nearest you or the business hours for your IRAs are not available for terms less than six branch. Call 800-725-LINK (5465). months. Certificates with a term that is less than one year have an annual rate that is subject to change at renewal.

*Pre-authorized withdrawals (transfers by telephone, wire or PC, overdraft protection, automatic payments or checks) are limited to a combined total of six per month or the account may be assessed an excessive withdrawal fee. Accounts with continuous transactions exceeding six per cycle in the form of transfers by telephone, wire or PC, overdraft protection, automatic payments, checks, drafts or debit card may be closed or converted to a different account.