American National

Bank

Truth in Savings

Disclosure  

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Thank you for making a decision to bank with American National Bank and Peoples National Bank.  We value your relationship with us and look forward to serving your financial needs for many years to come.   

These are the accounts you have opened or inquired about:

Checking Services  

 Free Checking

      Ψ      No monthly service fee with Direct Deposit ($5.00 monthly fee without).
      Ψ      With Direct Deposit and Check Imaging monthly fee will be $2.00.
      Ψ      No minimum daily balance requirement.
      Ψ      Unlimited transactions (checks, Visa Check Card, American National Bank and Peoples National Bank ATM and 
            pre-authorized withdrawals).
      Ψ      See Miscellaneous Fee Schedule for fees related to Foreign ATM usage.

   Relationship Checking

       Ψ      No monthly service fee and pays interest when a minimum daily balance of $750 is maintained in the account or when 
            $10,000 minimum balance is maintained in any combination of the following accounts: money market, savings account, or 
            personal loan.
       Ψ      Check images returned at no charge if minimum requirements are met.
       Ψ      Fees if balance falls below the minimum daily balance of $750 or other qualifying relationships are not maintained:
                  o        $6.00 without check images
                  o        $8.00 with check images
       Ψ      See Miscellaneous Fee Schedule for fees related to Foreign ATM usage.

   Star Account (previously called Checkmate)  

Ψ      The monthly service fee will vary with your minimum balance – less than $10,000 = $15.00, $10,000 and above = No Charge

Minimum Balance to obtain the annual percentage yield disclosed – You must maintain a positive daily available balance of $5,000.00 to obtain the disclosed annual percentage yield.

   Advantage Plus

      Ψ      Monthly Membership Fee = $10
      Ψ      No minimum balance
      Ψ      Ask about our numerous club benefits

  Minimum Balance to obtain the annual percentage yield disclosed – You must maintain a positive daily available balance to obtain the disclosed annual percentage yield.

 American Classic Checking  

       Ψ      No monthly service fee for customers at least 55 years of age, with Check Safekeeping.  (with check images returned your monthly fee              will be $2.00)
  Ψ      Minimum daily balance requirements of $1,000 required to earn interest disclosed.
       Ψ      Unlimited transactions (checks, Visa Check Card, American National Bank and Peoples National Bank ATM and 
             pre-authorized withdrawals).
       Ψ      See Miscellaneous Fee Schedule for fees related to Foreign ATM usage.

   Student Checking

  Ψ      No maintenance fee for students less than 22 years old.
       Ψ      5 free foreign ATM withdrawals per month. See Miscellaneous Fee Schedule for fees related to Foreign ATM usage.
       Ψ      Check truncation (no check images) required.
       Ψ      Your account reverts to a Free Checking once you reach 22 years of age.

   PayDay Checking

       Ψ      If your employer qualifies as an American National Bank or Peoples National Bank PayDay Employer, there is no monthly 
             service charge with Direct Deposit and Check Safekeeping.
       Ψ      If you no longer qualify for PayDay Checking, your fee will be $8 a month if your balance falls below the minimum daily balance of $750              or your balances in other “relationship” accounts is below $10,000.

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  Savings Accounts:

   Savings I

      Ψ      The monthly service fee will vary with your minimum daily balance – less than $100 = $2, $100 and above = No Charge.
      Ψ      Transaction limitation, a fee of $1.50 will be charged for each withdrawal exceeding six (6) per month. See complete details 
             under “Common Features for Interest Bearing Accounts.”
      Ψ      See Miscellaneous Fee Schedule for fees related to Foreign ATM usage.

   Savings II

       Ψ      The monthly service fee will vary with your minimum daily balance – less than $200 = $2, $200 and above = No Charge.
       Ψ      Unlimited withdrawals are allowed on this account. See Miscellaneous Fee Schedule for fees related to Foreign ATM usage.
       Ψ      Earns an interest rate of .25% below that of the American Savings I account.

 Minimum Balance to obtain the annual percentage yield disclosed – You must maintain a minimum daily balance of $200.00 to obtain the disclosed annual percentage yield. 

 Student Savings

     Ψ      The monthly service fee will vary with your minimum daily balance – less than $50 = $2, $50 and above = No Charge.
     Ψ      See Miscellaneous Fee Schedule for fees related to Foreign ATM usage.
     Ψ      Must be 21 or under to qualify for this account.
     Ψ      Transaction limitation, a fee of $1.50 will be charged for each withdrawal exceeding six (6) per month. See complete details under
           “Common Features for Interest Bearing Accounts.”  

Minimum Balance to obtain the annual percentage yield disclosed – You must maintain a minimum daily balance of $50.00 to obtain the disclosed percentage yield.  

 Health Savings Accounts and Long Term Care Savings Accounts  

 Health Savings Account  Long Term Care Savings Plan Account

       Ψ      The monthly service fee will vary with your minimum daily balance – less than $1,000 = $1.50. $1,000 and above = No Charge.
       Ψ      Transaction limitations, a fee of $.50 will be charged for each withdrawal exceeding five (5) per month.  Transfers from a the account or               to third parties by preauthorized, automatic, internet, or telephone transfer are limited to six per month with no more than three 
              by check, draft, internet, or similar order to third parties.  

Minimum Balance to obtain the annual percentage yield disclosed – You must maintain a minimum daily balance of $1.00 to obtain the disclosed annual percentage yield.  

 Money market Accounts:

   Money Market

The monthly service fee will vary with your minimum daily balance – less than $2,500 = $8, $2,500 and above = No Charge.

Minimum Balance to obtain the annual percentage yield disclosed – You must   maintain a minimum daily balance of $1,000.00 to obtain the disclosed annual percentage yield.

Transaction limitations for Money Market Accounts – A fee of $15 will be charged for each withdrawal exceeding six (6) per month. Transfers from a Money Market account or to third parties by preauthorized, automatic, internet, or telephone transfer are limited to six per month with no more than three by check, draft, internet, or similar order to third parties. The number of deposited items may be restricted if they exceed 50 items per month.

Minimum balance to open account – You must deposit $100.00 to open an account. Student Savings is $50.00, and Money Market is $2,500.

Fees – Please refer to our Service Fees and Miscellaneous Fees schedule for fees that may be assessed against your account.

Dormant Account Fees – Your account is considered dormant if correspondence we send you is returned by the Postal Service as undeliverable and we are unable to contact you by first class mail.  A $15.00 fee will be assessed each month your account remains dormant. A dormancy transfer fee of $25.00 will be assessed after five years prior to remitting of any remaining balance to the state.

Minimum daily balance computation method – We use the minimum daily balance method to determine the maintenance fees on your account. The listed maintenance fees will be imposed monthly if the minimum daily balance falls below the listed minimum balance unless otherwise stated in this disclosure.  

Check Safekeeping - The bank offers check safekeeping (the bank keeps images of the checks for you) at no additional fee.  

Check Imaging - The bank will return images of your checks to you monthly for a $2.00 per month fee.  

 
Rate Information – Your interest rate and annual percentage yield may change.  

Frequency of rate changes – We may change the interest rate on your account at any time.  

Determination of Rate – At our discretion, we may change the interest rate on your account. Rates – Please refer to the separate rate card for rates applicable to the account you have chosen.  

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

Effect of closing an account – If you close your account before interest is credited; you will not receive the accrued interest.  

Daily available balance computation method – We use the daily available balance method to calculate the interest on your account. This method applies a daily periodic rate to the available balance in the account each day.  

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

Transaction Limitations on interest bearing accounts - Pre-authorized withdrawals (transfers by telephone, wire or PC, overdraft protection, automatic payments or checks) are limited to a combined total of six per account cycle as prescribed by federal regulations governing savings accounts.  No more than three of the six may be made by check, draft, or debit card.  If accounts are continuously exceeded, the account will be closed or converted to an account that does not have transaction limitations. 

Consumer Accounts
Miscellaneous Fee Schedule – Effective April 5, 2008  

Amortization Schedule (non-bank loan)……………..……………$10.00
      Bond Coupon/Collection………………………...….$20.00 per envelope
      Cashiers/Official Check (customers)……………………………..…$5.00
      Charge off Fee………………………. ……………………..………$30.00
      Check Cash (non customer)………………………..……$1.00 per $1,000
       (Approval required - $5.00 minimum)
      Check Copy (Research charge applies after 6 months)..$3.00 per copy
      Coin Ordered/Processed for Business Accounts….…….……..$.10/roll
      Currency Ordered/Processed for Business Accounts …$.50 per $1,000
      Collection Items……………………………………………………..$25.00
      Counter Checks……………………………………………………..…$1.00
      Daily Overdraft Fee (each day after the 5^th day of continuous
       Overdraft balance)……………………………………….……………. $5.00
      Debit Card Receipt Copy……………………………………………...$5.00
      Debit/ATM Card Replacement………………………………...……. $10.00
      Debit Card Rush Order………………………………………………$35.00
      Dormant Account Fee…………………………………………….…$5.00
      Early Account Closure (within first 30 days)………………………. $30.00
      Excessive Withdrawal Fee   
            Money Market…………………………………………………..$15.00
            Savings……………………………………………………………$1.50
      Fax……………………………..…. $5.00 first page, $2.00 each additional
      Foreign ATM Fee………………………………………………. $2.00 each
      Garnishment or Levy………………………………………...………$30.00
      Insufficient Funds Check, ATM Withdrawal, Debit Card
       Purchase, Paid or Returned………………………………………$30.00
      Ledger Overdraft Fee…...$.29 per $100
      MICR Reject Fee…………………………………………....$2.00 per item
      Money Orders (customers)…………………………………………..$3.00
      Online Bill Payment (Internet)…………………………………….FREE
      Overdraft Transfer Fee ($100 transfer increments)………...$5.00 each
      Photocopy…………………………………..……………. $1.00 per page
      Research Copies………………………………………….. $1.00 per page
      Research/Statement Reconciliation (1 hour minimum) $25.00 per hour
      Returned Mail/Bad Address On File………………..$2.00 per month
      Return of Deposit Items………………………………………………$5.00
      Safe Deposit Box Fee (fee varies by size and location)                    
      Special Statement (Commercial)…………………………………..$10.00
      Special Statement Cut Off……………………………………….... $10.00
      Statement with Imaged Checks Returned……….……$2.00 per month
      Stop Payments……………………………………………..………. $30.00
      Telephone Transfer…………………………………………………...$2.00
      Travelers Checks- One Signature Line……………….…$1.00 per $100
      Travelers Checks – Two Signature Line……………...…$2.00 per $100
      Use of Uncollected Funds…………………….…National Prime plus 3%
      Wire Transfers – Customer Only
            Incoming – Domestic………………………………..…………$10.00
            Outgoing – Domestic………………………………………..…$12.00
            Incoming – International………………………………………. $10.00
            Outgoing – International………………………………………. $40.00  

Sales tax applies to these fees if an Iowa address.

Copyright © 2006 American National Bank. All Rights Reserved.
ANB Omaha - Main Office: 8990 West Dodge Road, Omaha, NE 68114 Phone: 402-399-5000 Toll Free: 800-279-0007  
ANB Lincoln - 3801 VerMaas Place, Lincoln, NE 68502 Phone: 402-420-1818
ANB Nebraska City - 920 Central Avenue, Nebraska City, NE 68410 Phone: 402-873-3338
ANB Papillion - 1413 South Washington, Papillion, NE 68046 Phone: 402-339-3935
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