CONVERSION CHECKLIST ACCOUNT INFORMATION FEATURES & BENEFITS IMPORTANT CHANGES

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1 What s new & what to expect New options & choices CONVERSION CHECKLIST ACCOUNT INFORMATION FEATURES & BENEFITS IMPORTANT CHANGES HomeTown Bank Customer WELCOME GUIDE Bigger. Better. Stronger. Together.

2 contents Welcome 1 Our Story 2 Branches/Contact 3 What to Expect 4 What to Do 5 Personal Banking 6 Checking Account Information 8 Checking Account Changes 9 Savings Account Information 10 Savings Account Changes 12 Business Banking 14 Checking Account Information 16 Checking Account Changes 17 Savings Account Information 18 Savings Account Changes 19 Additional Business Information 20 Personal & Business Lending 22 Overdraft Protection 23 Digital Banking 24 Online Banking & Bill Pay 25 Mobile Banking with Mobile Deposit 25 MyCardRules 25 Mobile Payments 26 Mobile Web and Text Banking 26 Quicken and QuickBooks Integration 26 Additional Information 27 Debit Cards 27 Safe Deposit Boxes 27 FDIC Insurance 27 Wire Information 28 24/7 Telephone Banking 28 Personal & Business Account Disclosures 29 Contact Information Inside back cover new Don't forget to use our new routing number: Ask us about credits for your unused HomeTown Bank checks, too!

3 welcome $ $ Welcome to American National Bank & Trust Company. We think you're going to feel right at home! Jeffrey V. Haley American National Bank & Trust Company President & CEO In many ways, HomeTown Bank becoming American National Bank & Trust is a huge change, but in other ways it may be a change that you'll barely notice. When you stop in at your local branch, you'll still see many of the same smiling faces and friendly, helpful people that you've come to know. You'll still experience the same level of world-class banking you've come to expect, too, with all the modern conveniences you're used to. We hope you may even find new perks and benefits, all backed by the strength of a bank with more than 100 years of excellent service. SAY HELLO TO AMERICAN NATIONAL BANK & TRUST THE NEW HOMETOWN BANK WE HOPE YOU'LL LOVE. Most importantly, you'll still be part of a bank that's deeply devoted to making a difference in our community. It's one of the main things that brought HomeTown Bank and American National Bank & Trust together, and is a touchstone that will continue to drive and inspire us every day. We believe that as a community bank, we are only as strong as our communities. Whether we're lending money for a business that creates more jobs or supporting an area non-profit through donations or volunteer service, we never lose sight of our commitment to the communities we serve. As you read through this welcome guide, we hope you'll see how hard we've worked to make this transition as smooth and easy as possible for you. We also hope that you'll be impressed with the new options you'll have, and feel great about being a part of our family. And of course, we hope you'll feel right at home with us, too. So welcome to American National, your new HomeTown Bank. We look forward to serving you. LETTER FROM THE PRESIDENT 1

4 $ $ our story BIGGER. BETTER. STRONGER. TOGETHER. Have you ever met someone and felt like you've known them forever? Someone who understands you, knows where you're coming from and everything just clicks? It sounds crazy, but that's how it was when HomeTown Bank and American National Bank & Trust came together. We knew early on that we had something special and that we could help each other grow bigger, better and stronger together. experience, learned from each other and combined the best of both of our banks. Our new, better bank is truly the ideal combination of what HomeTown Bank and American National Bank & Trust do best. Together we're now BIGGER and HomeTown's footprint has expanded from 6 branches to 28. We also now have the scale required to serve the needs of any business or customer in our communities. We now have a greater range of services to better meet your financial needs, too. Finally, coming together has made us even STRONGER. As a combined bank, we're now one of the largest independent community banks in Virginia with assets of more than $2.5 billion. That means more possibilities, more growth and more support for the communities we love and call home. But bigger isn't everything. Together we're now BETTER as well. We've embraced each other's For us, that's what it's all about. Community. 2 OUR STORY

5 VIRGINIA branches/contact DANVILLE - BANK AND COMPANY HEADQUARTERS Main 628 Main Street Danville, VA Phone: (434) Fax: (434) Nor-Dan 239 Nor-Dan Drive Danville, VA Phone: (434) Fax: (434) Piedmont Drive 445 Mount Cross Road Danville, VA Phone: (434) Fax: (434) Airport 1407 South Boston Road Danville, VA Phone: (434) Fax: (434) BEDFORD 207 North Bridge Street Bedford, VA Phone: (540) Fax: (540) CHATHAM U.S. Highway 29 Chatham, VA Phone: (434) Fax: (434) CHRISTIANSBURG 2950 Market Street Christiansburg, VA (540) GRETNA 109 North Main Street Gretna, VA Phone: (434) Fax: (434) LYNCHBURG Graves Mill 1646 Graves Mill Road Lynchburg, VA Phone: (434) Fax: (434) Timberlake Timberlake Road Lynchburg, VA Phone: (434) Fax: (434) MARTINSVILLE 900 Liberty Street Martinsville, VA Phone: (276) NORTH CAROLINA RIDGEWAY 3810 Greensboro Rd. Ridgeway, VA Phone: (276) ROANOKE - VIRGINIA BANKING HEADQUARTERS 3000 Ogden Road Roanoke, VA Phone: (540) Commercial Banking Office (Limited service branch: night deposit only) Downtown Roanoke 202 South Jefferson Street Roanoke, VA Phone: (540) South Roanoke 3521 Franklin Road, SW Roanoke, VA Phone: (540) Colonial 4225 Colonial Avenue Roanoke, VA (540) ROCKY MOUNT 400 Old Franklin Tnpk., Ste 100 Rocky Mount, VA Phone: (540) Fax: (540) SALEM 852 West Main Street Salem, VA (540) SOUTH BOSTON 3609 Old Halifax Road South Boston, VA Phone: (434) Fax: (434) UNION HALL Southlake 25 Southlake Drive Union Hall, VA (540) WESTLAKE Booker T. Washington Hwy Hardy, VA Phone: (540) Fax: (540) Booker T. Washington Hwy Moneta, VA (540) Note: This branch will be closing. Nearest branch is Hardy location - only 1/4 mile away. BURLINGTON South Church Street 3101 South Church Street Burlington, NC Phone: (336) Fax: (336) Mortgage Fax: (336) Cum Park Plaza 2214 North Church Street Burlington, NC Phone: (336) Fax: (336) GRAHAM 842 South Main Street Graham, NC Phone: (336) Fax: (336) GREENSBORO - NORTH CAROLINA BANKING HEADQUARTERS Green Valley Road 703 Green Valley Road, Suite 101 Greensboro, NC Phone: (336) Fax: (336) Guilford College 5509-A West Friendly Avenue, Suite 102 Greensboro, NC Phone: (336) Fax: (336) MEBANE 1008 Mebane Oaks Road Mebane, NC Phone: (919) Fax: (919) WINSTON-SALEM 110 Oakwood Drive, Suite 520 Winston-Salem, NC Phone: (336) Fax: (336) YANCEYVILLE 173 Main Street Yanceyville, NC Phone: (336) Fax: (336) BRANCHES & CONTACT INFO 3

6 what to expect The most important details about the HomeTown Bank > American National Bank changeover are right here. The information on these two pages is designed to help you navigate the change to American National Bank quickly and easily. Many aspects of your accounts won't change at all. Our goal is to make the transition as smooth as possible, and we're always available by phone if you have any questions. Questions? We re here to make your transition from HomeTown Bank to American National Bank & Trust fast and easy. Call us toll free at M-F 7:00 AM - 11:00 PM Weekends 9:00 AM - 5:00 PM IMPORTANT ACCOUNT DETAILS & CONVERSION INFORMATION ROUTING NUMBERS American National Bank & Trust Company s routing number is The HomeTown Bank routing number will be retired at the end of DIRECT DEPOSIT/ACH Your direct deposits and incoming recurring ACH transactions will not be interrupted and we ll automatically notify each business of the new routing number to use for future transactions. Note: You may be contacted to verify the routing number should be updated. ACCOUNT NUMBERS Your account number(s) from HomeTown Bank will remain the same. CHECKS You may continue to use your HomeTown Bank checks until the end of If you order additional checks through us, they will automatically be converted to American National checks. If you order checks from third-party vendors, please be sure you provide the American National Bank & Trust routing number. NEW ACCOUNTS We have made efforts to convert HomeTown Bank customers to a similar account with American National, and have adopted some of the benefits HomeTown has offered. See checking and savings account charts in this guide as well as the fee schedule for complete details. CDS The interest computation for Certificate of Deposit account(s) including IRAs will change from compounding daily to simple interest. See page 12 for details. STATEMENTS Your final HomeTown Bank statement will include information through April 26. After that, your statements will come from American National and reflect your new account information. Starting Monday, April 29, the HomeTown Bank website will redirect to amnb.com. Online banking login information is on the opposite page. DEBIT & ATM CARDS All HomeTown Bank ATM and debit cardholders who have used their cards within the last year will receive a new American National debit or ATM card in the mail by April 15 with instructions for activating it. Your card will be ready for use once activated on Monday, April 29. All HomeTown Bank ATM and debit cards will be deactivated at midnight on April 28. CREDIT CARDS Credit card service will continue without any changes at this time. LOAN PAYMENTS Beginning Monday, April 29, all loan payments can be made at any American National branch location or mailed to: American National Bank & Trust Company Attention: Loan Operations PO Box 191 Danville, VA TREASURY SERVICE CUSTOMERS You will be personally contacted for information on transferring ACH Credits/ Debits, Remote Deposit, Wire Transfers, and Merchant Services. 4 WHAT TO EXPECT

7 what to do During the weekend of April 26-29, we will move your accounts from HomeTown Bank to American National Bank & Trust Company. Review the checklist below and be sure to perform any of the actions pertaining to your accounts on or before the dates listed. TRANSITION CHECKLIST: IMPORTANT DATES AND ACTION ITEMS SUNDAY, APRIL 21: FINALIZE AND REVIEW YOUR BILL PAYMENTS. Bill Pay through HomeTown Bank will be unavailable beginning 4/22/19. The last day to schedule a payment will be 4/21/19. Any bills scheduled in the Bill Pay system will be paid, but you will not be able to make any changes to them during 4/22/19-4/26/19. You can begin using Bill Pay on Monday, April 29 via Please note, your e-bills will not transfer to the new bill pay system, so they will need to be set up again. THURSDAY, APRIL 25: SAVE YOUR E-STATEMENTS Your statements from HomeTown Bank will not transfer to American National s Online Banking platform. We recommend saving your last 12 months of statement history prior to April 26. After that point, past statements will be available by contacting your local branch. FRIDAY, APRIL 26: WITHDRAW CASH FROM BRANCH OR ATM Withdraw any cash needed for conversion weekend before April 26, MONDAY, APRIL 29: LOG IN TO ONLINE BANKING Beginning on April 29, 2019, please access online banking at You can log in using your HomeTown Bank user ID and the last four digits of your social security number for your password. You will be prompted to update your password upon login. DON'T FORGET Withdraw any cash needed for conversion weekend before April 26, Online and mobile banking will be in view only mode during this time, too. After that, it's back to business as usual! While we convert our systems, online banking will be in view only mode for HomeTown Bank customers beginning at 7:00 pm on April 26 until approximately 8:00 am on April 29. Cash Management customers will log in using your existing HomeTown Bank user ID and the last four digits of your company tax ID. New tokens will be mailed to you by April 20. MONDAY, APRIL 29: ACTIVATE YOUR DEBIT CARD(S) Activate your new American National ATM or Visa debit card on Monday, April 29 and create your new PIN by following the instructions on the front of your card. MONDAY, APRIL 29: UPDATE AUTOMATIC PAYMENTS WITH YOUR CARD Be sure to update any automatic payments that are linked to your debit card with your new card information. MONDAY, APRIL 29: DOWNLOAD OUR MOBILE APP Search American National Bank and Trust Company and for MyCardRules in your device s store. WHAT TO DO 5

8 I PERSONAL BANKING SOLUTIONS I

9 personal banking CONTENTS Personal Checking Account Information 8 Account Changes 9 Personal Savings Account Information 10 Account Changes 12 Explore your new personal banking options at American National Bank & Trust Company The following pages outline some of the personal banking choices at American National Bank & Trust Company, with a comprehensive listing below. We offer account options for all ages and all levels of financial needs, from just-starting-out to seasoned investor. Take a look you're sure to find many of the things you like today and some new options, too. PERSONAL BANKING PRODUCTS & SERVICES BANKING SOLUTIONS: n Checking/Savings Accounts n Round Up Savings n CDs & IRAs n Instant Issue Visa Debit Cards n Overdraft Protection Options n Home Equity Lines n Mortgage Loans n Personal Loans DIGITAL PRODUCTS & SERVICES: n Online Banking with Bill Pay n E-statements & Text/ Alerts n MyCardRules App n 24/7 Telephone Banking n Mobile Banking with Mobile Deposit n Apple Pay, Google Pay, and Samsung Pay INVESTMENT & INSURANCE SOLUTIONS* n Insurance Solutions new! n Trust Services new! n Brokerage Services OTHER PRODUCTS & SERVICES: n Safe Deposit Boxes (subject to availability) n Domestic & International Wire Services n Foreign Currency Exchange n Notary Services n Cashier s Checks n Credit Cards * Investment and Insurance products are not FDIC insured. PERSONAL BANKING 7

10 ACCOUNT INFO I personal checking NEW AMERICAN NATIONAL ACCOUNT OPTIONS NEW ACCOUNT OPTIONS SIMPLE ADVANTAGE PREMIER ACCOUNT DESCRIPTION Checking with no minimum balance requirement Checking that thanks you with interest A fully loaded account MONTHLY PRICING $0 $10 $20 HOW TO AVOID MONTHLY CHARGE n/a $1,000 daily balance OR monthly direct deposit $2,500 daily OR $25,000 combined loan and deposit balance INTEREST BEARING No Yes Yes STATEMENTS e-statement provided at no cost; paper statement available for $3* e-statement provided at no cost; paper statement available for $3 e-statement or paper statement available at no charge ATM WAIVERS 3 per month 3 per month Unlimited ATM waivers CHECKS Unlimited Check Writing Unlimited Check Writing and 1st order of wallet-style checks free or $10 discount on specialty checks Unlimited Check Writing and one order of wallet-style checks provided free each year or $10 discount on specialty checks SAFE DEPOSIT BOX RENT Available for rent $10 discount on standard box rental Complimentary standard size box rental or $20 off per year on a larger box OPENING AMOUNT $50 $50 $50 * HomeTown Bank customers may keep their existing statement preferences without a paper statement fee for an extended period of time. Simple Checking Plus is available for customers 60 and better and provides all the same benefits as Simple Checking but includes free check images on the paper statements. 8 PERSONAL

11 ACCOUNT CHANGES I personal checking What's new in personal checking Use the chart below to compare your current HomeTown Bank checking account(s) with the equivalent American National Account. While many details are the same, some have changed and you may find brand new account features to enjoy! HTB ACCOUNT AMNB ACCOUNT WHAT'S NEW & DIFFERENT FREE HOMETOWN WORK SIMPLE You'll now receive three ATM waivers each month when using other banks' ATMs FREE + PERKS SIMPLE PLUS Customers 60+ can receive paper statements with check images at no extra cost ADVANTAGE ADVANTAGE $1,000 daily balance or a direct deposit each month to avoid $10 monthly charge; e-statements provided at no cost STAR PARTNERS WINNERS CIRCLE STAR PREMIER $2,500 daily balance or $25k combined relationship balance to avoid $20 service charge; more ways to avoid paying a monthly fee; free order of wallet-style checks each year. Customers also receive preferred rates on CD FOUNDERS PRIVATE WEALTH PRIVATE $50,000 combined relationship balance to avoid $25 service charge OR Trust & Investments with $500,000+ PERSONAL 9

12 ACCOUNT INFO I personal savings NEW AMERICAN NATIONAL ACCOUNT OPTIONS EASY SAVE EASY SAVE PLUS UTMA EASY SAVE ACCOUNT DESCRIPTION A savings account that makes it easy to save A savings account that makes it easy for youth and customers over 65 to save Uniform Transfers to Minors Act MONTHLY PRICING $5 $0 $0 ACCOUNT REQUIREMENTS Maintain a $200 daily balance n/a n/a INTEREST Yes, daily credited quarterly Yes, daily credited quarterly Yes, daily credited quarterly STATEMENTS e-statement or paper statement available at no charge e-statement or paper statement available at no charge e-statement or paper statement available at no charge OPENING AMOUNT $50 $10 $100 n No overdraft transfer fee when linked to your AMNB savings account * Children receive a piggy bank and passbook to track savings. When they make a deposit, they receive a mark on their passbook. When passbook is full, they get a prize! n Up to 6 withdrawals per month at no extra charge* n Round Up Savings available n Online and mobile banking n 24-hour telephone banking 10 PERSONAL SAVINGS *per withdrawal fee after that; Christmas Easy Save allows two withdrawals

13 ACCOUNT INFO I personal savings NEW AMERICAN NATIONAL ACCOUNT OPTIONS NEW ACCOUNT OPTIONS MONEY MARKET PREMIUM MONEY MARKET CHRISTMAS EASY SAVE HEALTH SAVINGS ACCOUNT A competitive money market account Money market with high interest An automatic holiday savings account An account that helps you make the most of your high-deductible health insurance plan $15 $20 n/a $2.25/statement cycle; $2,500 daily balance $25,000 daily balance Minimum of a $10 monthly draft from AMNB deposit account $500 daily balance Yes - tiered, credited monthly Yes - tiered, credited monthly Yes, simple interest paid annually on 1st business day in November Yes, credited monthly e-statement or paper statement available at no charge e-statement or paper statement available at no charge e-statement or paper statement available at no charge e-statement or paper statement available at no charge $500 $25,000 $10 $0 New! Check out the new Christmas Easy Save account it's a great way to fuel your holiday savings. Our Health Savings account is another brand new savings option. PERSONAL SAVINGS 11

14 ACCOUNT CHANGES I personal savings What's new in personal savings Use the chart below to compare your current HomeTown Bank savings account(s) with the equivalent American National Bank & Trust Company Account. The far right column details the differences and new features. In many cases there will be little change. HTB ACCOUNT AMNB ACCOUNT WHAT'S NEW & DIFFERENT ACORN AND OAK GOAL SETTER EASY SAVE $200 daily balance to avoid $5 monthly charge TEEN ADVANTAGE HTB KIDS CLUB EASY SAVE PLUS No changes from HTB account PERSONAL MONEY MARKET MONEY MARKET $2,500 daily balance to avoid $15 monthly charge PRIME MONEY MARKET PRIME MONEY MARKET There will be new rate tiers on this account and a $25,000 daily balance to avoid a $20 service charge PRIVATE WEALTH MONEY MARKET PREMIUM MONEY MARKET There will be new rate tiers on this account CDS & IRAS The interest computation for CD account(s) including IRAs will change from compounding daily to simple interest. Interest will be credited quarterly versus annually, and paid by check or direct deposit, as you had previously elected. Note that while the interest rate will remain the same, the annual percentage yield may decrease. All other terms will remain the same. 12 PERSONAL SAVINGS

15 I CHECK OUT OUR ALL NEW KIDS BANKING OPTIONS I

16 I BUSINESS BANKING SOLUTIONS I

17 business banking CONTENTS Business Checking Account Information 16 Account Changes 17 Business Savings Account Information 18 Account Changes 19 Additional Business Information 20 Bring the power of American National Bank & Trust Company to your business Whether you're a sole proprietor or a multinational corporation, you'll appreciate American National Bank & Trust's range of business banking account options. As a cornerstone of our commitment to the communities we serve, we take pride in partnering with our business customers to help them fuel growth and innovation right here at home. BUSINESS BANKING PRODUCTS & SERVICES BANKING SOLUTIONS: n Checking/Savings Accounts n CDs & IRAs n Instant Issue Visa Debit Cards n Commercial Loans n Business Lines of Credit n Cash Management DIGITAL PRODUCTS & SERVICES: n Online Banking with Bill Pay n E-statements & Text/ Alerts n MyCardRules App n 24/7 Telephone Banking n Mobile Banking n Apple Pay, Google Pay, and Samsung Pay INVESTMENT & INSURANCE SOLUTIONS* n Insurance Solutions new! n Trust Services new! n Brokerage Services TREASURY SERVICES: n Remote Deposit Capture n ACH Origination n Wire Processing n Positive Pay n Lockbox Services new! OTHER PRODUCTS & SERVICES: n Safe Deposit Boxes (subject to availability) n Domestic & International Wire Services n Foreign Currency Exchange n Notary Services n Cashier s Checks n Business Credit Cards n Merchant Services * Investment and Insurance products are not FDIC insured. BUSINESS BANKING 15

18 ACCOUNT INFO I business checking NEW AMERICAN NATIONAL BANK ACCOUNT OPTIONS BUSINESS BUSINESS PLUS BUSINESS INTEREST COMMUNITY INTEREST BUSINESS ANALYZED ACCOUNT DESCRIPTION An account perfect for most businesses An account for growing businesses with moderate activity Interest-bearing account for businesses For community non-profits and businesses who manage IOLTA accounts For businesses with complex needs and cash management services MONTHLY PRICING $0 $20 $12 $0 Based on account activity HOW TO AVOID MONTHLY CHARGE n/a $5,000 daily balance $5,000 daily balance n/a Earnings credits will offset all or some portion of service charges INTEREST BEARING No No Yes Yes, on balances greater than $500 Earnings credits TRANSACTION LIMITS 250 free monthly transactions including debits and credits 600 free monthly transactions including debits and credits 250 free monthly transactions including debits and credits Unlimited deposits and check-writing privileges Based on business deposit pricing guide TRANSACTION CHARGES $0.50 for each transaction over 250 $0.50 for each transaction over 600 $0.50 for each transaction over 250 n/a Analysis based COIN & CURRENCY FEES Up to $10,000 coin & currency exchanged for free each month; $1.50 for each additional $1,000 Up to $20,000 coin & currency exchanged for free each month; $1.50 for each additional $1,000 Up to $10,000 coin & currency exchanged for free each month; $1.50 for each additional $1,000 n/a $0.50 for each additional $1,000 deposited, withdrawn, or exchanged OPENING AMOUNT $100 $100 $100 $100 $ BUSINESS

19 ACCOUNT CHANGES I business checking HTB ACCOUNT AMNB ACCOUNT WHAT'S NEW & DIFFERENT FREE BUSINESS BUSINESS You'll receive two ATM waivers each month when you use other banks' ATMs. STAR BUSINESS BUSINESS PLUS $5,000 daily balance to avoid $20 monthly charge; 600 free transactions monthly; you'll now receive two ATM waivers each month when you use other banks' ATMs PREMIER SWEEP ACCOUNTS BUSINESS INTEREST BUSINESS INTEREST $0.50 for each transaction over the 250 free per month COMMUNITY LAWYERS TRUST (IOLTA) COMMUNITY INTEREST No minimum balance requirements and interest is paid on balances greater than $500 COMMERCIAL BUSINESS ANALYZED Please reference the Business Analyzed fee schedule. n E-statements or paper statements available n Debit cards n Online banking and bill pay n Mobile banking n 24-hour telephone banking BUSINESS 17

20 ACCOUNT INFO I business savings NEW AMERICAN NATIONAL BANK ACCOUNT OPTIONS BUSINESS EASY SAVE BUSINESS MONEY MARKET BUSINESS PREMIUM MONEY MARKET ACCOUNT DESCRIPTION Easily stash cash for your business A competitive business money market Money market with high interest MONTHLY PRICING $5 $15 $20 HOW TO AVOID MONTHLY PRICING Maintain a $200 daily balance $2,500 daily balance $25,000 daily balance INTEREST BEARING Yes, compounded daily, credited quarterly Tiered, compounded and credited monthly Tiered, compounded and credited monthly STATEMENTS e-statement or paper statement available at no charge e-statement or paper statement available at no charge e-statement or paper statement available at no charge OPENING AMOUNT $100 $500 $25,000 n No overdraft savings transfer fee n Online & mobile banking n Up to 6 withdrawals per month at no charge n 24-hour telephone banking 18 BUSINESS SAVINGS

21 ACCOUNT CHANGES I business savings Find the perfect savings account for your business The chart below details which American National Bank & Trust Savings account will be the best fit for your business's needs. Whether you're a new startup or an established company, we'll help you find the best account to help keep your business's money growing and bring your financial goals within reach. HTB ACCOUNT AMNB ACCOUNT WHAT'S NEW & DIFFERENT BUSINESS SAVINGS BUSINESS EASY SAVE $200 daily balance to avoid $5 monthly charge BUSINESS MONEY MARKET BUSINESS MONEY MARKET $2,500 daily balance to avoid $15 monthly charge BUSINESS CDS The interest computation for CD account(s) including IRAs will change from compounding daily to simple interest. Interest will be credited quarterly versus annually, and paid by check or direct deposit, as you had previously elected. Note that while the interest rate will remain the same, the annual percentage yield may decrease. All other terms will remain the same. CDARS & ICS No changes New! American National Bank & Trust Company offers a Business Premium Money Market account with attractive rates for those with higher balances. BUSINESS SAVINGS 19

22 BUSINESS BANKING I additional info new Trust Services The Trust professionals of American National have a long legacy of helping people manage their wealth. We offer a full range of trust products and services, including: n Financial Planning n Estate Planning and Settlement Services n Investment Management Services n Business Succession Planning n Trust Administration Services We also have experience in the administration of many types of trusts, including: n Living Trusts n Trusts Under Will n Charitable Trusts n Trusts for children and loved ones n Special Needs Trust Merchant Services We offer the latest payment technology to help your business drive top line revenue, while at the same time lowering costs. Our payment solutions can be customized to your business model whether you re operating in e-commerce, as a non-profit, medical practice or even simple small business retail. If you currently use HomeTown Bank s merchant services, we will reach out to you to see how we can continue to meet your needs. Trust & Investment Services* American National Bank & Trust Company also offers Trust and Investment Services. For over 90 years, generations of families and businesses have entrusted our Trust & Investments team with growing and preserving their assets, planning their futures, protecting their heirs, providing for the charities they care about and ensuring their family and/or business legacy thrives. As a full-service provider of trust, investment and banking services, our team can help manage your investments, create a financial plan, assist with business succession and more. We welcome the opportunity to introduce you to this new service and meet our team of local trust and investment professionals. Insurance Services* American National, as a part owner in Bankers Insurance, provides tailored business insurance solutions for many types of risks, with some more common coverages listed below. n Property n Cyber Liability n General Liability n Professional Liability Premises and Operations Malpractice Personal and Advertising Injury Errors and Omissions Workers Compensation Directors and Officers Liability n Business Income Interruption n Employee Health and Benefits *Investments & Insurance Products Not FDIC Insured Not Bank Guaranteed May Lose Value Not Guaranteed by Any Government Agency Not a Bank Deposit 20 BUSINESS BANKING - ADDITIONAL INFORMATION

23 BUSINESS BANKING I additional info Workplace Benefits We are proud to offer AMNB@Work which offers a range of free and discounted products and services designed for the employees of our business customers. Treasury Services If you currently use HomeTown Bank s Treasury Services, you will be personally contacted by an American National Bank & Trust Treasury Management Officer who will provide information on the following: n Business Online Banking n Remote Deposit Capture and Bill Pay n Wire Transfers n ACH Origination n Positive Pay n Direct Deposit Payroll Wire Transfers & ACH Origination Please note: Your wire transfer information will transfer over to the new system. Your ACH batches will not, and will need to be downloaded by April 22. Additional information will be provided by your Treasury Services Officer. new Lockbox Services Accept payments from customers either by mail or online. Lockbox banking provides companies and municipalities with an efficient, secure way of depositing customer payments if a business is constantly receiving customer payments through the mail. American National Bank & Trust Company is devoted to helping local businesses grow stronger. BUSINESS BANKING - ADDITIONAL INFORMATION 21

24 PERSONAL & BUSINESS I lending Personal & Business Lending Solutions If you have a pre-existing loan with HomeTown Bank, your loan and the Terms & Conditions of your loan will remain the same. Effective April 29, all mail-in loan Local Decision Making payments should be sent to: American National Bank & Trust Company Attention: Loan Operations PO Box 191 Danville, VA We pride ourselves on quick, local decision making. With local relationship managers and bankers in your market and the credit department for the bank located in Roanoke's banking headquarters, loan decisions can't get much closer than that! In need of a loan? American National offers personal loans, business loans, home mortgages, and home equity lines of credits, all provided with quick, local decisions. n Personal Loans: Auto, Boat, and RV Loans ReStart Loan to help build your credit Unsecured and Deposit Secured Loans Marketable Securities Loans Construction Loans Bridge Loans Lot & Land Loans Home Equity Lines of Credit n Home Mortgage Products: Conventional loans Fixed-Term or Adjustable-Term VA, FHA, and USDA loans Construction-to-Permanent loans Jumbo Loans First-time homebuyer loans All loans or offers of credit are subject to credit and underwriting approval. Other fees, conditions and restrictions may apply. n Business Loans: Credit Cards Term Loans Lines of Credit Commercial Real Estate Loans Construction Loans We also offer Visa credit cards for both personal and business customers that have competitive pricing and a full range of reward options. Vehicle and Equipment Financing Small Business Administration Loans 22 PERSONAL & BUSINESS LENDING

25 PERSONAL & BUSINESS I overdraft protection Overdraft Protection If you have overdraft protection with HomeTown Bank, through a linked checking account, savings account, money market or loan, your selection(s) will migrate to American National Bank & Trust Company. Overdraft Express: If you have opted in to HomeTown Bank s overdraft service to have your debit card accepted at retailers and the ATM when the dollar amount exceeds the amount of funds available in your account, this service will continue with American National and is referred to as Overdraft Express and is outlined below: n You will have a $500 limit of overdraft privilege available n Overdrafts created by checks, recurring debits, and ACH transactions will also be covered n You will be charged the standard $36 each time we pay an overdraft n The maximum number of overdraft fees that you will be charged per day is limited to six or $216 Please reference our personal and business account disclosures for a complete schedule of fees. Other Overdraft Services Other overdraft protection services are available to personal and business customers by linking your checking account(s) to a line of credit, savings, money market, or secondary checking account. When necessary, we will automatically transfer funds to your checking account when an overdraft occurs at no cost to you. Other Questions: What if my account is overdrawn by just a few dollars? We will waive any overdraft fees you would have incurred from transactions for underlying transaction amounts of $5 or less or for transactions of any amount that overdraw your account by $5 or less. Is there a charge to transfer money from a savings account to a checking account? We do not charge for this service and you can link a checking account to up to four other deposit accounts. Will my credit limits on my overdraft line change? No, any amount you have on an existing loan product, including HomeTown Reserve, will transfer as is. Balance Alerts! Get an alert any time the balance on your account drops below an amount you want to watch to prevent overdrawing your account. Or sign up for text banking and text BAL to our short code for instant balance updates. PERSONAL & BUSINESS OVERDRAFT PROTECTION 23

26 I DIGITAL BANKING I

27 digital banking Start with Online Banking & Bill Pay: AMNB s online banking with bill pay platform is designed for use from a personal computer. Online Banking with bill pay allows you to: n View account balances, deposits, and other transactions n Stop payments n Transfer funds to other AMNB accounts n Bank to Bank transfers n Make person to person payments using only the recipient s name and address n Pay bills and receive e-bills n Enroll in e-statements n Send a secure message n Create alerts n AND MORE! Refer to page 5 for initial online banking log-on instructions. Please note your existing e-bills and any alerts that have been set up with HomeTown Bank will not transfer to American National s online banking system and will need to be set up again. Also note a slight change to how bills are paid within Bill Pay. Currently, HomeTown Bank debits your account the day bills are scheduled to be paid. However, American National debits your account the day before it s scheduled to be paid, so please ensure the necessary funds are in your account. Mobile Banking with Mobile Deposit For smartphone and tablet users, our mobile banking app allows all the convenience of online banking from your mobile device but also includes the ability to deposit checks using your device s camera. Search American National Bank & Trust Company in your device's store and begin using after April 29. HomeTown Bank customers that have enrolled in mobile deposit today will automatically be set up for this service with American National Bank. MyCardRules MyCardRules is a mobile app available in Google Play or the App Store for fraud protection, card management and alerts. American National Bank customers can set a variety of customized controls and alerts including: n Turn the card on and off n Set spending limits based on various factors such as dollar amount, transaction type, or merchant type n Receive alerts on all transaction attempts declined n Set other instant alerts on all or specific transactions like those at a gas station n Set a location boundary where the card can be used n Set parental or employer controls Search for MyCardRules in your device s store and enroll your card for added protection and oversight! DIGITAL BANKING 25

28 digital banking Mobile Payments: We all know that our phone is becoming more of a wallet these days and we are pleased to offer mobile payments through Apple Pay, Samsung Pay, and Google Pay. Not an app user? We offer mobile web and mobile text services as well. Please log in to online banking and visit Personal Settings, then Mobile Settings to enroll. Mobile web enables you access to your online banking via Mobile texts allow you quick access to your account information with abbreviated text commands. Keep it simple and secure with e-statements. E-statements allow you to receive account statements the day after a statement cycle ends, giving you immediate access in a more secure environment. You ll receive an prompt once your statements are available and they can be downloaded, saved or printed for future reference. QuickBooks and Quicken Integration: American National s online banking is integrated with Intuit QuickBooks and Quicken. To continue using these tools with American National, it will be necessary to download the QFX/QBO file of your transaction activity from HomeTown Bank prior to April 26! Connection services will be interrupted during the weekend of conversion. We will provide instructions on our website at for how to reestablish your QuickBooks and Quicken Web Connect or Direct Connect connections. new Open an Account Online! Many accounts offer paper statements for an additional $3 if you prefer that option. HomeTown customers receiving e-statements today will continue to receive e-statements with American National. Save time going to the branch and open a new checking or savings account from anywhere. Just go to 26 DIGITAL BANKING

29 additional information Debit Cards Your new American National ATM or debit card will be mailed to you around the 10th of April. Please note the following information regarding your new card: n Your new ATM or debit card(s) may be activated on or after Monday, April 29, 2019 by calling the number on the sticker on the front of the card(s). n Your HomeTown Bank card(s) will not work after midnight on Sunday, April 28, n Once you have activated your new debit card(s), stop using and destroy your old debit card(s). n When you activate your new card(s), you will be asked to set up your PIN. n Upon activation, your new debit card(s) will be linked to the same accounts as your previous debit card(s). n If you have automatic recurring debits tied to your debit card(s), please contact the Merchant or Biller to provide your new card information. If you don t receive a debit card prior to April 22, please contact your local branch. FDIC Insurance Under FDIC rules, funds on deposit at HomeTown Bank and American National at the time of the merger will continue to be separately insured by the FDIC as if the funds were still held in separate banks. This special treatment will continue for six months after the merger or the first maturity date after the merger for Certificates of Deposit (CDs). CDs that mature during the first six months following the legal merger date that are renewed for the same dollar amount and term will continue to be separately insured until the first maturity date after the six-month period. CDs that mature during the six-month period and are renewed on any other basis (different term or for a different amount) will only be separately insured through the six-month period after the merger. This six-month period allows you the opportunity to examine and restructure your accounts to meet FDIC insurance guidelines, if needed. If you have questions about your FDIC Insurance coverage, contact your local branch or visit fdic.gov. Safe Deposit Boxes Safe deposit boxes will remain the same until the time of renewal. Please refer to the schedule of fees for any changes to your box rental rate. For customers at HomeTown Bank s Westlake branch, we have space available at American National s Westlake location to relocate your safe deposit box. We will be reaching out to each of these customers personally to discuss the handling of your box prior to moving it. If you have questions, please contact us at (540) ADDITIONAL INFORMATION 27

30 additional information Wire Information: Beginning April 29, 2019, please use the following wire transfer instructions: Incoming Domestic Wire Transfers (United States) Wire to: American National Bank & Trust Company Routing Number (ABA): For Credit: Customer Name Customer Account Number Incoming International Wire Transfers: Wire To: PNC Bank, NA 249 Fifth Avenue Pittsburgh, PA Bank Routing Number: Bank Swift Code: PNCCUS33 Beneficiary Name: American National Bank & Trust Company 628 Main Street PO Box 191 Danville, VA Beneficiary Account Number: Payment Details: Final Credit To (Account Name at American National Bank and Account Number, or at least the last 4 digits of the Account Number) The wire cut-off time is 5:00 p.m. each day for incoming wire transfers. The outgoing wire transfer cut-off time will be 4:00 p.m. each day. Note: the existing HomeTown Bank ABA # will not work for incoming wires as of May 31, /7 TELEPHONE BANKING: Use your account number and PIN to: n Check account balances n Request stop payments n Verify deposits n Verify debits posted to your account n Transfer funds n Make loan payments 28 WIRE TRANSFERS

31 we're here to help! We included many necessary details and information in this Welcome Guide but we understand you still might need some assistance. If you have any questions regarding the transition of your account(s) to American National Bank & Trust Company or need further clarification, please do not hesitate to contact your local branch. We also offer these customer service channels as well. General Questions: Contact your primary branch all phone numbers are listed on page 3 of this Welcome Guide or you can contact (800) Customer Support Center (After Hours) (844) Support info@amnb.com Treasury Support Contact your treasury officer 24/7 Automated Telephone Banking (877) /7 Online Banking

32 628 MAIN STREET DANVILLE, VA Proud to call the Roanoke Valley home Privileged to serve you, your family and your business Bigger. Better. Stronger. Together.