American National Bank
ONLINE BANKING AGREEMENT

Agreement - This Agreement, which includes the Fee Schedule, is a contract, which establishes the rules that cover your electronic access to your accounts at American National Bank ("ANB") through On-Line Banking. By using On-Line Banking, you accept all the terms and conditions of this Agreement. Please read it carefully. The terms and conditions of the deposit agreements and disclosures for each of your ANB accounts as well as your other agreements with ANB, such as loans, continue to apply notwithstanding anything to the contrary in this Agreement. This Agreement is also subject to applicable federal laws and the laws of the State of Nebraska. If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. The headings in this Agreement are for convenience or reference only and will not govern the interpretation of the provisions. Any waiver (express or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement. This Agreement is binding upon your heirs and ANB's successors and assignees. Certain of the obligations of the parties pursuant to this Agreement that by their nature would continue beyond the termination, cancellation or expiration of this Agreement shall survive termination, cancellation or expiration of this Agreement. This Agreement, together with the Enrollment Form and Fee Schedule, constitutes the entire agreement between you and ANB with respect to the subject matter hereof and there are no understandings or agreements relative hereto which are not fully expressed herein. Definitions - As used in this Agreement, the words "we", "our", "us" and "ANB" mean American National Bank. "You" and "your" refer to the accountholder authorized by ANB to use On-Line Banking under this Agreement and anyone else authorized by that accountholder to exercise control over the accountholder's funds through On-Line Banking. "Account" or "accounts" means your accounts at ANB. "Electronic funds transfers" means ATM withdrawals, pre-authorized transactions, point of sale transactions, transfers to and from your ANB accounts using On-line Banking, including bill payments. "On-Line Banking Services" means the services provided pursuant to this Agreement, including the Bill Payment Service. The term "Business days" means Monday through Friday. Holidays are not included. Access - To use On-Line Banking, you must have at least one account at ANB, access to Internet service, and an e-mail address. Once we have received your signed Enrollment Form, and verified your account information, we will send you, either by e-mail or by postal mail, confirmation of our acceptance of your enrollment, along with your assigned log-in ID and temporary password. On-Line Banking can be used to access only the ANB accounts which you have been designated as an account owner. You can add or delete any of your ANB accounts from this Agreement by completing a new Enrollment Form. Access to your accounts through On-Line Banking will be based upon the identification of users and authority levels specified by you in your Enrollment Form. We undertake no obligation to monitor transactions through On-Line Banking to determine that they are made on behalf of the accountholder. On-Line Banking Services - You can use On-Line Banking to check the balance of your ANB accounts, view ANB account histories, transfer funds between your ANB accounts, view statements, change your address, and pay bills from your ANB accounts in the amounts and on the dates you request if you have requested the Bill Payment Service on your Enrollment Form. Balance and activity information is available as of 9:00 a.m. (Central Standard Time) the day after the nightly update from the previous business day. Hours of Access - You can use On-Line Banking seven days a week, twenty-four hours a day, although some or all On-Line Banking services may not be available occasionally due to emergency or scheduled system maintenance. We agree to post notice of any extended periods of non-availability on the ANB On-Line Banking website located at www.anbank.com. Your Password - For security purposes, you are required to change your password upon your initial login to On-Line Banking. You determine what password you will use and the identity of your password is not communicated to us. You agree that we are authorized to act on instructions received under your password. You accept responsibility for the confidentiality and security of your password and agree to change your password regularly. Upon three unsuccessful attempts to use your password, your access to On-Line Banking will be revoked. To re-establish your authorization to use On-Line Banking, you must contact us to have your password reset or to obtain a new temporary password. We recommend that you create a password that utilizes both upper and lower case alpha and numeric characters for purposes of security. Your password should not be associated with any commonly known personal identification, such as social security numbers, address, and date of birth, names of children, and should be memorized rather than written down. Security - You understand the importance of your role in preventing misuse of your accounts through On-Line Banking and you agree to promptly examine your paper/electronic statement for each of your ANB accounts as soon as you receive it. You agree to protect the confidentiality of your account and account number, and your personal identification information, such as your driver's license number and social security number. You understand that personal identification information by itself or together with information related to your account, may allow unauthorized access to your account. Your password and login ID are intended to provide security against unauthorized entry and access to your accounts. Data transferred via On-Line Banking is encrypted in an effort to provide transmission security and On-Line Banking utilizes identification technology to verify that the sender and receiver of On-Line Banking transmissions can be appropriately identified by each other. Notwithstanding our efforts to insure that the On-Line Banking system is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing On-Line Banking, or e-mail transmitted to and from us, will not be monitored or read by others. Fees and Charges - You agree to pay the fees and charges for your use of On-Line Banking Bill Payment Services as set forth in the current fee schedule. You agree that all such fees and charges will be deducted from the ANB checking account designated as the "Primary Checking Account" on your Enrollment Form. If you close your Primary Checking Account, you must contact us immediately to designate another account as your Primary Checking Account. You agree to pay any additional reasonable charges for services you request which are not covered by this Agreement. You are also responsible for telephone and Internet service fees you incur in connection with your use of On-Line Banking. Posting of Transfers - Transfers initiated through On-Line Banking before 8:00 p.m. (Central Standard Time) on a business day are posted to your account the same day. Transfers completed after 8:00 p.m. (Central Standard Time) on a business day, Saturday, Sunday or banking holiday, will be posted on the next business day. On-Line Banking identifies transfers based upon the login ID of the user who made the electronic transfer. Accordingly, you understand and acknowledge that the View Postings screens in both the Transfer and Bill Payer menu options of On-Line Banking will not reflect transfers made by multiple users from the same account if different login IDs are used. You agree to communicate with any other persons with authorized access to your accounts concerning any transfers or bill payments from your accounts in order to avoid overdrafts. Overdrafts (Order of Payments, Transfers, and other Withdrawals) - If your account has insufficient funds to perform electronic fund transfers you have requested for a given business day, then:  a. Electronic funds transfers involving currency disbursements, like ATM withdrawals, will have priority, b. Electronic fund transfers initiated through On-Line Banking that would result in an overdraft of your account may, at our discretion, be cancelled, c. In the event the electronic fund transfers initiated through On-Line Banking which would result in an overdraft of your account are not cancelled, overdraft charges may be assessed pursuant to the terms of the deposit agreement for that account. Limits on Amounts and Frequency of On-Line Banking Transactions - The number of transfers from ANB accounts and the amounts that may be transferred are limited pursuant to the terms of the applicable deposit agreement and disclosure for those accounts. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires. On-Line Banking Bill Payment Service - You must designate the ANB Checking account from which the payments are to be made; the complete name of the payee, the account number, and the payee's remittance address, all exactly as shown on the billing statement or invoice; the amount of the payment; and the date you want the payment to be debited from your account. If the date you want the payment to be debited from your account is not a business day; your account will be debited the next business day. By using the On-Line Banking Bill Payment Service option, you agree that, based upon instructions received under your password, we can charge your designated account by electronic transfer, "no signature required draft", or by debiting and remitting funds on your behalf. You also agree that all On-Line Banking bill payments will be charged directly to your Primary Checking Account. We reserve the right to refuse to pay any payee designated by you. If we do so, we will notify you promptly. Scheduling On-Line Banking Payments - If the payee is to be paid by paper, you understand and agree that paper checks are mailed to the payee and the payee may not receive the payment until 7 to 10 business days after the date the payment is debited from your account. You understand and agree that we are not responsible for the timely delivery of mail or the improper transmission or handling of payments by a third party, such as the failure of the bill payment payee to properly post a payment to your account. How to Cancel a Bill Payment - To cancel a bill payment that you have scheduled through On-Line Banking, you must cancel the payment online via On-Line Banking (by following the onscreen instructions) before 2:00 p.m. (Central Standard Time) on the date the payment is scheduled to be debited from your account. Stop Payment Requests - Stopping the payment of a check is different from the cancellation of a bill payment. Once the bill payment has been debited from your account, you CANNOT cancel or stop a bill payment. You may be able to stop an On-Line Banking bill payment paid by paper draft by contacting us by telephone before the paper draft has cleared. (You will have to contact us by telephone to determine if the paper draft has cleared.) If the paper draft has not cleared, we will immediately process your stop-payment request. We will notify you immediately if the paper draft has already cleared. To be effective, this type of stop-payment request must precisely identify the name of the payee, the payee-assigned account number, the amount and scheduled date of the payment, and the ID number from the Bill Payment View Posting Screen. If you make your stop payment request, we may also require you to put your request in the form of a paper writing and get it to us within 14 days after you call. You will incur stop payment charges as disclosed in the current fee schedule for the applicable account. Stop payment charges for On-Line Banking Bill payment paper drafts will be assessed in addition to the stop payment charges for the applicable account. Disclosure of Account Information and Transfers - You understand that information about your accounts or the transfers that you make may automatically be disclosed to others. For example, tax laws require disclosure to the government of the amount of interest you earn, and some transactions, such as large currency and foreign transactions must be reported to the government. We may also provide information about your accounts to persons or companies we believe would use the information for reasonable purposes, such as when a prospective creditor seeks to verify information you may have given in a credit application or a merchant calls to verify a check you have written. In addition, we routinely inform credit bureaus when accounts are closed because they were not handled properly. We may also seek information about you from others, such as the credit bureau, in connection with the opening or maintaining of your account or in connection with approving your access to On-Line Banking. You agree and hereby authorize all of these transfers of information. Periodic Statements - You will not receive a separate On-Line Banking statement. Transfers to and from your accounts using On-Line Banking will appear on the respective periodic paper/electronic statements for your ANB accounts. Change in Terms - We may change any term of this Agreement at any time. If the change would result in increased fees for any On-Line Banking service, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice at least 21 days before the effective date of any such change, unless an immediate change is necessary to maintain the security of an account or our electronic fund transfer system. We will post any required notice of the change in terms on the ANB On-Line Banking website or forward it to you by e-mail or by postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of any subject On-Line Banking Services indicates your acceptance of the change in terms. We reserve the right to waive, reduce, or reverse charges or fees in individual situations. You acknowledge and agree that changes to fees applicable to specific accounts are governed by the applicable deposit agreements and disclosures. In Case of Errors or Questions about Your Electronic Transfers, including Bill Payments - Contact us as soon as you can, if you think your paper/electronic statement is wrong, or if you need more information about a transfer listed on your paper/electronic statement. We must hear from you no later than 60 days after we sent or made available to you the FIRST statement upon which the problem or error appeared. When you contact us:  (1) Tell us your name and account number. (2) Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error, or why you need more information. (3) Tell us the dollar amount of the suspected error. (4) If the suspected error relates to a bill payment made via the On-Line Banking Bill Payment Service, tell us the account number used to pay the bill, payee name, the date the payment was sent, payment amount, ID number, and the payee account number for the payment in question. (This information appears on the Bill Payment View Posting Screen.) If you contact us by telephone or by e-mail, we may require that you send us your complaint or question in the form of a paper writing by postal mail or fax within 10 business days. We will communicate to you the results of our investigation within 10 business days after you contact us and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and WE DO NOT receive it in the form of a paper writing within 10 business days, we may not provisionally credit your account. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. If we have made a provisional credit, a corresponding debit will be made from your account. Our Liability for Failure to Make a Transfer - If we do not complete a transfer to or from your account, including a bill payment, on time or in the correct amount, according to our agreement with you when you have properly instructed us to do so, we will be liable to you for your losses or damages caused as a result. 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 your account to make a transfer. (2) If a legal order directs us to prohibit withdrawals from the account. (3) If your account is closed, or if it has been frozen. (4) If the transfer would cause your balance to go over the credit limit of an established line of credit or the credit limit for any credit arrangement set up to cover overdrafts. (5) If you, or anyone authorized by you, commits any fraud or violates any law or regulation. (6) If any electronic terminal, telecommunication device, or any part of the On-Line Banking electronic fund transfer system is not working properly, and you knew about the problem when you started the transfer. (7) If you have not provided us with complete and correct payment information for the Bill Payment Service, including, without limitation, the name, address, your payee-assigned account number, payment date, and payment amount for the payee on a bill payment. (8) If you have not properly followed the on-screen instructions for using On-Line Banking. (9) If circumstances beyond our control (such as fire, flood, interruption in telephone service or other communication lines) prevent the transfer, despite reasonable precautions that we have taken. Your Liability for Unauthorized Transfers - CONTACT US AT ONCE if you believe your password has been lost, stolen, used without your authorization, or otherwise compromised, or if someone has transferred or may transfer money from your accounts without your permission. An immediate telephone call to us is the best way to reduce any possible losses. You could lose all the money in your accounts (plus your maximum overdraft line of credit, if any).  Also, if your paper/electronic statement shows transfers that you did not make, contact us at once. If you do not tell us within 60 days after the paper/electronic statement was mailed or made available to you, you may not get back any money you lost through transactions made after the 60 day time period if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from contacting us, we will extend the time periods. Disclaimer of Warranty and Limitation of Liability - We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose, in connection with the On-Line Banking Services provided to you under this Agreement. We do not and cannot warrant that On-Line Banking will operate without errors, or that any or all On-Line Banking Services will be available and operational at all times. Except as specifically provided in this Agreement, or otherwise required by law, you agree that our officers, directors, employees, agents or contractors are not liable for any indirect, incidental, special or consequential damages under or by reason of any services or products provided under this Agreement or by reason of your use of or access to On-Line Banking; including, loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort or based on a warranty. Further, in no event shall the liability of ANB and its affiliates exceed the amounts paid by you for the services provided to you through On-Line Banking. Your Right to Terminate - You may cancel your On-Line Banking service at any time by providing us with written notice by postal mail or fax. Your access to On-Line Banking will be suspended within 3 business days of our receipt of your instructions to cancel the service. You will remain responsible for all outstanding fees and charges incurred prior to the date of cancellation. Our Right to Terminate - You agree that we can terminate or limit your access to On-Line Banking Services for any of the following reasons:  Without prior notice, if you have insufficient funds in any one of your ANB accounts. On-Line Banking service may be reinstated, in our sole discretion, once sufficient funds are available to cover any fees, pending transfers, and debits. Upon 3-business day's notice, if you do not contact us to designate a new Primary Checking Account immediately after you close your Primary Checking Account. Upon reasonable notice, for any other reason in our sole discretion. Communications between ANB and You - Unless this Agreement provides otherwise, you can communicate with us in any one of the following ways: E-mail -You can contact us by e-mail at www.anbank.com (Please note that banking transactions through On-Line Banking are not made via e-mail.) Telephone - You can contact us by telephone at (402) 457-1077. Facsimile - You can contact us by fax at (402) 457-1065. Postal Mail - You can write to us at: American National Bank ATTN: Customer Service 3147 Ames Avenue Omaha, Nebraska 68111 Consent to Electronic Delivery of Notices - You agree that any notice or other type of communication provided to you pursuant to the terms of this Agreement, and any future disclosures required by law, including electronic fund transfer disclosures, may be made electronically by posting the notice on the American National Bank On-Line Banking website or by e-mail. You agree to notify us immediately of any change in your e-mail address. FEE SCHEDULE Online Banking - Free Bill Payment Services - Free

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