American National Bank - FDIC Disclosure

May 20, 2009

Your bank deposits are safe at ANB with FDIC insurance coverage now up to $250,000 per depositor, through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories, except for IRAs and other certain retirement accounts which will remain at $250,000 per depositor. (This supersedes the October 3, 2008 changes.)

If you have deposits over $250,000 there is additional FDIC insurance coverage based on how we can structure your accounts, making sure those funds are also safe.

The extension announced on May 20, 2009, does not apply to the Transaction Account Guarantee Program. The unlimited coverage under the Transaction Account Guarantee Program is only in effect for depositors at participating institutions through June 30, 2010.

Transaction Account Guarantee Program
American National Bank is participating in FDIC's Transaction Account Guarantee
Program. Under the Program, through June 30, 2010, all non-interest bearing
transaction accounts and interest bearing accounts (not including Money Market
Accounts, UltimateSelect Checking and BusinessSelect NOW Accounts) that earn
0.50% interest or less with American National Bank now have unlimited FDIC
deposit insurance coverage. Coverage under the Transaction Account Guarantee
Program is in addition to and separate from the coverage available under the FDIC's
general deposit insurance rules.

Transaction Account Guarantee Program Q and A

If you have any specific questions regarding FDIC Insurance Coverage, please
contact the bank directly or click on the FDIC website link below for detailed
consumer information.

FDIC Consumer Information

FDIC Insurance Video

CONSUMER ALERT - Fraudulent Emails Claiming to be from the FDIC

We want to hear from you. Contact us at info@anbbank.com