Depositor ("you" or "your") has requested that Bank ("Bank" "we" or "us") permit your to access an electronic funds transfer system and (if applicable) that Bank issue you an automated teller card, debit card, code or other device ("Access Device") to transact on your account. By requesting, receiving, signing, using, authorizing another to use or otherwise accepting the Access Device (if applicable, and including any replacement or substitute Access Device) or the electronic funds transfer system, you and any authorized signers, agree to be bound by the following rules and regulations:

1. You are responsible and liable for all authorized transactions made through the use of the Access Device and for all authorized transactions made under any preauthorized transfer. All such transactions are subject to all applicable agreements, rules and regulations of Bank’s checking accounts and savings accounts for which Access Device use or preauthorized transfers are authorized, now or in the future, as said agreements, rules and regulation are now in effect or as they may hereafter be amended, modified, or adopted.
2. You authorize the Bank to charge your checking account(s) and savings account(s) for all authorized transactions resulting from the use of the Access Device or resulting from any preauthorized transfer and you assume all responsibility and liability for all such Access Device use and preauthorized transfers.
3. Bank will assign you a "Personal Identification Number"(PIN) to enable you to be identified when using the Access Device. The Access Device and the number are to be used as instructed and your agree not to disclose in any manner whatsoever the Personal Identification Number (PIN) to any one other than authorized user of the Access Device.
4. Tell us AT ONCE if you believe your Access Device has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit, if any). If you tell us within two business days after you learn of the loss or theft of your Access Device, you can lose no more than $50.00 if someone used your Access Device without your permission.

If you do NOT tell us within 2 business days after you learn of the loss or theft or your Access Device, and we can prove we could have stopped someone from using your Access Device without your permission if you had told us, you could lose as much as $500.00.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days 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 a hospital stay kept you from telling us, we will extend the time periods.

5. If you believe your access Device has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (940)397-2300 or write:

American National Bank
Customer Service
2732 Midwestern Parkway
Wichita Falls TX 76308


6. Our business days are Monday through Friday. Holidays are not included.
7. Transaction information.

You may use your Access Device to:

Make Deposits at own ATM
Withdraw Cash
Check account Balances
Transfer funds
Internet Banking:
Pay Bills to 3^rd Parties
Transfer Funds
Purchase Savings Bonds


You may withdraw up to $300.00 per day (but no more than the funds available in the account for withdraw) from an electronic terminal that accepts your Access Device.

You may arrange with others in writing for preauthorized transfers, to or from your checking or savings accounts. For example, you may arrange with others for direct deposit into your account of payroll, Social Security, or pension benefit checks, or for the automatic payment from your account of utility bills, insurance premiums, or mortgage payments.

8. You will be charged for each transaction/transfer as disclosed on the Schedule of Fees and Charges.
9. You can get a receipt at the time you make any transfer to or from your account using an electronic terminal that accepts your access device.

If you have arranged with others to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at the telephone number in Paragraph 5 to find out whether or not the deposit has been made.

You will get a monthly account statement unless there are no transfers in a particular month. In any case, you will get an account statement at least quarterly. These statements will show electronic funds transfers to or from your account. If you have a passbook account where the only possible electronic funds transfers are preauthorized credits, if you bring your passbook to us, we will record any electronic deposits that were made to your account since the last time you brought in your passbook.

10. If you have authorized regular payments to be made out of your account, you can stop any of these

payments. Here’s how:

Call us or write us at the number or address in Paragraph 5, in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 business days after you call. We will charge you for each stop payment you order, as disclosed on the Schedule of Fees and charges.

If these regular payments may vary in amount, the person you are going to pay will tell you, 10 business days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would bigger by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that your set.

If you order us to stop one of these payments, 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

11. We will disclose information to third parties about your account or the transfers 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. If you give us your written permission.
12. In case of Errors or Questions About Your Electronic Transfers. Telephone us or write us at the number or address in Paragraph 5 as soon as your can, if your think your statement or receipts are wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem 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 in error or why you need more information.
    3. Tell us the dollar amount to the suspected error.

    If you tell us orally, we may require that your send us your complaint or question in writing within 10 business days.

    We will tell you the results or our investigation within 10 business days (20 business days if the transfer involved a point-of-sale transaction, or was initiated outside the U.S.A. and Puerto Rico) after we hear from 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 point-of-sale transaction, or was initiated outside the U.S.A. and Puerto Rico) to investigate your complaint or question. If we decide to do this, we will recredit your account within 10 business days (20 business days if the transfer involved a point-of-sale transaction, or was initiated outside the U.S.A. and Puerto Rico) for the amount you think is in error. So that your 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 in writing and we do not receive it within 10 business days, we may not recredit your account.

    If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

13. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement 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 available funds in your account to make the transfer.
2. If the money in your account is subject to legal process or other encumbrances restricting the transfer
3. If the automated teller machine where you are making the transfer does not have enough cash.
4. If the circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
5. If the terminal was not working properly and you knew about the breakdown when you started the transfer.
6. If incomplete or inaccurate information is forwarded by the United States Treasury or through an automated clearinghouse.
14. All deposits, payments, and transfers made through the use of your Access Device or by a preauthorized transfer are subject to proof and verification by Bank. Deposits made after our cutoff time will be credited the following business day.
15. The Access device at all times remains the property of Bank and upon revocation of the Access Device you agree to surrender the Access Device to Bank or its agent upon demand.
16. Transactions made in foreign currency will be converted into U.S. dollars. Because of fluctuations in foreign exchange rates, the conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting day.
17. Bank may amend, modify or rescind these rules and regulations at any time upon its taking one or both of the following steps except in instances listed in (1) only the procedure in (1) will be used:
1. Mailing or delivering written notice of such amendment, modification. or rescission to you at least 30 days prior to the effective date of any such change if the change would result in increased fees or charges, increased liability to you. Fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers.
2. Posting a copy of such amendment, modification, or rescission adjacent to the place assigned for the use of the automated teller machines or other electronic banking devices for a period of 30 days.

Bank may at its option mail or deliver written notice to you of any amendment, modification, or rescission other than those described in (1) above by without the requirement that notice be mailed or delivered at least 30 days prior to the effective date of any such change.

Any amendment, modification or rescission made in the manner described above shall be binding upon you as though expressly agreed to by you. In the event that a written notice is mailed to you, it shall be mailed to your last known address as shown on the Bank’s records.

Notwithstanding the provisions of this paragraph, Bank may terminate this agreement at any time in the event that Bank terminates your account(s).

18. You agree that this Agreement and Disclosure shall be subject to and governed by all applicable state laws and any applicable laws of the United States.
19. For your safety, please remember the following tips when you use any Automated Teller Machine, particularly after dark:
1. Park in or near a well-lighted area.
2. Observe the area for suspicious persons or activity, preferably from your car before beginning your transaction. If you see anyone or anything suspicious, you may wish to use another Automated Teller Machine or delay your transaction.
3. Have someone accompany you.
4. Pocket your cash quickly and count it later in a safe place. Never make a display of your cash.
5. Cancel your transaction, remove your card and leave the area immediately, even in the middle of a transaction, if you become concerned for your safety.

FUNDS AVAILABILITY POLICY

Our policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks you have written.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before our cut-off time on a business day that we are open, we will consider that day to be the day of your depsoit. However, if you make a deposit after our cut-off time, or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Our cut-off time at the Drive-In location on 2732 Midwestern Parkway, Wichita Falls, TX is 6:00PM. Branch locations have a cut-off time of 3:00PM. Telephone and Internet Banking have a cut-off of 2:00PM.

Longer Delays May Apply

Funds you deposit by check may be delayed for a longer period under the following circumstances:

1. We believe a check you deposit will not be paid.
2. You deposit checks totaling more than $5,000 on any one day.
3. You redeposit a check that has been returned unpaid.
4. You have overdrawn your account repeatedly in the last six months
5. There is an emergency, such as failure of communications or computer equipment

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

Special Rules For New Accounts

If 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 on the first day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over the $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 in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.

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

American National Bank Internet Privacy Statement

American National Bank respects your privacy. Through our web site, we strive to provide valuable information and services to you. Whether you're an existing customer or someone shopping for new bank services, we hope our site answers your questions about our products and services, locations and hours.

Our web site does not require you to disclose any personally identifying information. If, however, you choose to contact us via e-mail, by using our on-line forms or signing our guest book, please keep in mind that your e-mail address, and other information will be revealed to us. We pledge, however, that any information revealed will be used only for the purpose of answering your questions, or processing your application. Your e-mail and other personal information will not be sold, nor will it be shared with others outside of American National Bank unless we are compelled to do so by law.

We do not knowingly solicit data from children, and we do not knowingly market to children. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.

American National Bank does use standard software to collect non-identifying information about our visitors, such as:
            Date and Time our site was accessed
            IP Address (A numeric address given to servers connected to the Internet)
            Web Browser Used
            City, State, and Country

The secure Internet Banking System (IBS) area of our site uses a "cookie" temporarily stored in the visitor's computer memory (RAM), to allow ANB Customers to easily navigate between the ANB IBS and other Internet sites.

American National Bank has implemented several security features to ensure the privacy of your information including a password-controlled system for entry to Internet Banking Services, a VeriSign-issued Digital ID loaded onto our server, Secure Sockets Layer (SSL) protocol for data encryption.

American National Bank reserves the right to change this policy at any time by posting a new privacy policy.

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