Regulation E Disclosure

Financial Institution: Amarillo National Bank
Main Bank P.O. Box 1
Amarillo, TX 79105

Electronic Funds Transfer Agreement and Disclosures

This Agreement and Disclosure is made in compliance with federal law regulating electronic funds transfer (EFT) services. Electronic funds transfers are electronically initiated transfers of money involving an account at the Financial Institution. The following disclosures set forth your and our rights and responsibilities concerning the electronic funds transfers. In this Agreement, the words "you" and "your" mean those who sign as applicants or any authorized user(s). The words "we", "us" and "our" mean the Financial Institution. The abbreviation "PIN" or word "code" means a personal identification number.

Automatic Teller Machine (ATM) Services

Types of Transfers: You may use the automated teller machine (ATM) card and personal identification number (PIN) issued to you to initiate transactions at ATMs of ours, ATMs within the networks identified on your card and such other facilities as we may designate from time to time. Unless you specify a different account during Automated Teller Machine (ATM) transactions, your Primary Account will be used for your transactions. Your Primary Account number and information may be obtained from the ATM Request Form. At present you may use your card to (some of these services may not be available at all ATMs):

Withdraw cash from your checking account.
Withdraw cash from your savings account.
Transfer funds between your checking and savings accounts.
Obtain balance information on your deposit accounts.
Make deposits at designated ATMs with a cut-off time of 3:00 p.m. and with verification of deposits it will be posted the following business day.
Obtain checking account statements at designated ATMs.

Limitations on Frequency and Amount:

You may withdraw up to a maximum of $500.00 (if there are sufficient funds in your account) per day.
IN ADDITION: (1) The limitations for ATM withdrawals described above are on a business day basis. For purposes of ATM withdrawal limitations, non-business days (holidays and/or weekends) and the immediately following regular business day are considered one business day. (2) For purposes of ATM withdrawal limitations, "Sufficient funds" will include overdraft protection (if any). Please see your Customer Service Representative for further explanation.

Your account may limit the maximum - Rate and Fee Schedule.

Fees and Charges for ATM Transactions:

There is no charge for ATM withdrawals at machines owned by us.
There is a $1.25 charge for each ATM withdrawal at machines we do not own.
The fee for ATM Withdrawals from machines not owned by us may vary according to the policy of the bank that owns the ATM.
There is a Replacement Card Fee of $4.00 per card.
Overdraft charges may apply - Rate and Fee Schedule.

ATM Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Pre-authorized Debits

Types of Pre-authorized Transfers: You may arrange for us to complete the following pre-authorized transfers to or from your deposit accounts:

Pay certain recurring bills from your checking or savings account.
Electronic Bill Pay, including person to person payments. See Terms and Conditions for dollar amounts and frequency limits.

Fees and Charges:

We do not charge for pre-authorized EFTs. Overdraft charges may apply. Overdraft privileges may not apply to your account. See your Customer Service Representative.

Charges will apply for each stop-payment order for preauthorized transfers. Rate and Fee Schedule.

Govt Direct Deposit

Types of Pre-authorized Transfers: You may arrange for us to complete the following pre-authorized transfers to your deposit accounts:

Accept direct deposits from the U.S. Treasury Department to your checking or savings account.

Fees and Charges:

We do not charge for any pre-authorized EFTs.

Other Direct Deposit

Types of Pre-authorized Transfers: You may arrange for us to complete the following pre-authorized transfers to your deposit accounts:

Accept direct deposits from your employer or other financial institutions to your checking or savings account.

Fees and Charges:

We do not charge for any pre-authorized EFTs.

Point of Sale Services

Types of Transactions: You may use the card and PIN issued you to pay for purchases from merchants who have agreed to accept the card at Point of Sale (POS) terminals within the networks identified on your card and such other terminals as the Bank may designate from time to time. Point of Sale (POS) transactions will be deducted from your Primary Account. Point of Sale (POS) transactions involving a refund will be credited to your Primary Account. Your Primary Account number and information may be obtained from the POS Request Form.

Limitations on Frequency and Amount:

You may purchase up to a maximum of $4000.00 worth of goods and services per day, exclusive of ATM withdrawals.

Your account may limit the maximum - Rate and Fee Schedule.

Fees and Charges:

Overdraft charges may apply - Rate and Fee Schedule.

Check Card

Limitations on Frequency and Amount:

You may purchase up to a maximum of $4000.00 worth of goods and services per day, exclusive of ATM withdrawals.
Your CHECK CARD may be used to purchase goods or services at those business establishments, and for cash withdrawals at those banks and other financial institutions, which accept VISA. Such purchase and cash withdrawal transactions will be deducted from your deposit account(s) upon receipt by the Bank. If your card is LOST, STOLEN OR SUBJECT TO ANY UNAUTHORIZED USE you may contact Amarillo National Bank during business hours at (806) 378-8100 or 1-800-ANB-FREE (1-800-262-3733)or contact VISA, 24 hours a day - seven days a week, at (800) 472-3272; these phone numbers are in addition to those listed elsewhere in this Agreement. You shall be liable to and shall pay the Bank in accordance with the terms hereof for all transactions made through authorized use of the Card by you or any other person. Check Card transactions are accepted solely at the option of individual business establishments, banks and other financial institutions, and the Bank shall not be liable to you for refusal by any such business, bank or financial institution to honor the Card. You may not stop payment on an authorized use of the Card. For security purposes, there are limits on the frequency and amount of transfers you may make with your Card. The maximum "pin purchase" limit of $1,000.00 per day (described above) includes cash back Check Card transactions. The daily period to which the "pin purchase" limitation applies shall commence at 12 midnight (Central Time Zone) on each day and end at 12 midnight on the following day. Also, for security reasons there is a daily authorization limit of $3,000.00 for Check Card transactions conducted through the VISA network at business establishments, banks, and other financial institutions. The daily period to which the authorization limit applies commences at 12 midnight each day and ends at 12 midnight on the following day. Foreign Exchange / Currency Conversion: If you use your Card for transactions in a currency other than U.S. dollars, the transactions will be converted to U.S. dollars, generally using either a (i) government-mandated rate or (ii) wholesale market rate in effect the day before the transaction processing date, increased by one percent (1%). If a credit is subsequently given for a transaction, it will be decreased by one percent (1%). If the credit has a different processing date, then the exchange rate of the credit can be greater/less than that of the original transaction. The currency conversion rate on the day before the transaction processing date may differ from the rate in effect at the time of the transaction or on the date the transaction is posted on your Account. You agree to accept the converted amount in U.S. dollars.

Your account may limit the maximum - Rate and Fee Schedule.

A PHOTO CARD replacement can be used in place of the CHECK CARD. There is a $5.00 fee per card. The same restrictions apply.

Fees and Charges:

There is a Replacement Card Fee of $4.00 per card. Overdraft charges may apply - Rate and Fee Schedule.

There is a PHOTO CARD Replacement Card Fee of $5.00 per card. Overdraft charges may apply - Rate and Fee Schedule.

Real Account - Point of Sale Services

Limitations on Frequency and Amount:

You may purchase up to a maximum of $6000.00 worth of goods and services per day, exclusive of ATM withdrawals.
You may make up to a maximum of $500.00 in ATM withdrawals per day.

Your account may limit the maximum - Rate and Fee Schedule.

Fees and Charges:

Overdraft charges may apply - Rate and Fee Schedule.

Telephone Access

Types of Audio Response Services: You may access your deposit accounts by using a separate personal identification number (PIN) assigned to you and your account number in our audio response system. At the present time you may use the system to:

Transfer funds between your deposit accounts.
Obtain balance information on your deposit accounts.
Determine if a particular check has cleared your account.
Checks Cleared Information: The item number and amount for each of the last six items to clear is available. NOTE: Any Bank-by-Phone transfers made after 2:30 p.m. daily will not be processed until the following business day.

Limitations on Frequency and Amount:

You are limited to the following number of inquiries, transfers or withdrawals: There are no withdrawal options available.
You are limited to the following dollar amount for transfers or withdrawals: There are no withdrawal options available.

Fees and Charges for Audio Response Transactions:

We do not charge for Audio Response Transactions.

Other EFT Transactions

You may access certain account(s) you maintain with us by other EFT transaction types as described below.

Electronic Check Conversion

You may authorize a merchant or other payee to make a one-time electronic payment from your account using information from your check to pay for purchases or pay bills. Electronic check conversion is a payment process in which a merchant or other payee (after obtaining your authorization) uses your check to gather routing, account, and check number information to initiate a one-time EFT. When information from your check is used to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment. This type of EFT transaction involving a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. A description of the transaction will appear on your statement.

Re-presented Check Transactions and Fees

You may authorize a merchant to electronically collect a fee associated with the re-presentment of a check that is returned due to insufficient or unavailable funds. The resulting fee transaction if debited as an EFT from a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. When a merchant re-presents a check electronically, that transaction is not covered by the Electronic Funds Transfer Act or this disclosure. A description of the transaction will appear on your statement.

The following limitations may be applicable to your accounts, except as provided by law:

Liability for Unauthorized VISA Point of Sale Debit Card Transactions

Tell us, AT ONCE, if you believe your VISA point of sale debit card has been lost or stolen or of any unauthorized transactions. Your liability for unauthorized VISA point of sale debit card transactions that take place on the VISA system is Zero dollars ($0.00). We may require you to provide a written statement regarding claims of unauthorized VISA point of sale debit card transactions.These provisions limiting your liability do not apply to VISA commercial credit cards, ATM transactions, or PIN transactions not processed by VISA; and apply only to cards issued in the United States. With respect to unauthorized transactions, these limits may be exceeded to the extent allowed under applicable law (see Liability for Unauthorized Transfers paragraph below) only if we determine that you were grossly negligent or fraudulent in the handling of your account or point of sale debit card. For specific restrictions, limitations, and other details see your Cardholder Agreement. To notify us of lost or stolen cards, or of unauthorized transactions, call or write to us at the telephone number or address set forth below. This will help prevent unauthorized access to your account and minimize any inconvenience.

VISA is a registered trademark of Visa International.

In addition to the limitations set forth above, the following limitations may be applicable to your accounts:

Liability for Unauthorized Transfers

Tell us AT ONCE if you believe your card, ATM PIN, POS card or PIN, or Audio Response PIN has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. 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 you tell us within two (2) business days after you learn of the loss or theft of your card or code, you can lose no more than $50.00 if someone used your card or code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card or code, and we can prove that we could have stopped someone from using your card or code 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, including those made by card code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (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. If you believe that your card or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (806) 378-8100 or 1-800-ANB-FREE (1-800-262-3733), or write us at AMARILLO NATIONAL BANK,PO BOX 1, AMARILLO, TX 79105. You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permission.

Illegal Transactions

You may not use your ATM, POS, or Debit Card, or other access device for any illegal or unlawful transaction, and we may decline to authorize any transaction that we believe poses an undue risk of illegality or unlawfulness. Notwithstanding the foregoing, we may collect on any debt arising out of any illegal or unlawful transaction.

Business Days

For purposes of these electronic funds transfer disclosures, our business days are Monday through Friday. Holidays are not included.

Stop Payments on ATM, POS, or Debit Card Transactions

You may not place a stop payment order on any ATM, POS, or debit card transaction.

Documentation

Periodic Statement

You will get a monthly account statement from us, unless there are no transactions in a particular month. In any case you will get a statement quarterly. You will get a quarterly statement from us on your savings account if this is the only account you maintain and the only possible electronic transfer to or from the account is a pre-authorized deposit.

Terminal Receipt

You can get a receipt at the time you make a transfer to or from your account using an ATM or a POS terminal. However, receipts for transactions of $15.00 or less may not always be available.

Direct Deposits

If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, you can call us at (806) 378-8000 or 1-800-ANB-FREE (1-800-262-3733) to find out whether or not the deposit has been made.

Our Liability for Failure to Make Transfers

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:

If, through no fault of ours, you do not have enough money in your account to make the transfer.
If the money in your account is subject to legal process or other claim restricting such transfer.
If the transfer would go over the credit limit on your overdraft line.
If the ATM where you are making the transfer does not have enough cash.
If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken.
There may be other exceptions stated in our agreement with you.

In Case of Errors or Questions About Your Electronic Transfers

Telephone us at (806) 378-8100 or 1-800-ANB-FREE (1-800-262-3733), or write us at AMARILLO NATIONAL BANK, PO BOX 1, AMARILLO, TX 79105 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared.

Tell us your name and account number (if any).
Describe the error or the 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.
Tell us the dollar amount of the suspected error.

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

We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 within ten (10) business days, we may not credit your account.

If a notice of error involves an electronic fund transfer that occurred within thirty (30) days after the first deposit to the account was made, the error involves a new account. For errors involving new accounts, point of sale debit card transactions, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error.

We will tell you the results within three (3) 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 a notice of error involves unauthorized use of your point of sale debit card with the VISA logo when it is used as a VISA point of sale debit card, we will provide provisional credit within five (5) business days after you notify us instead of within ten (10) or twenty (20) business days. We may withhold providing this accelerated provisional credit, to the extent allowed under applicable law, if the circumstances or account history warrants the delay.

In Case of Errors or Questions About Your Internet or Bill Pay Electronic Transfers

Telephone us at (806) 378-8000 or 1-800-ANB-FREE (1-800-262-3733), or write us at AMARILLO NATIONAL BANK, PO BOX 1, AMARILLO, TX 79105 as soon as you can.
Confidentiality. We will disclose information to third parties about your account or the transfers you make:

To complete transfers as necessary;
To verify the existence and condition of your account upon the request of a third party, such as a credit bureau or merchant; or
To comply with government agency or court orders; or
If you give us your written permission.

Personal Identification Number (PIN)

The ATM PIN, POS PIN or Audio Response PIN issued to you is for your security purposes. The numbers are confidential and should not be disclosed to third parties or recorded on the card. You are responsible for safekeeping your PIN(s). You agree not to disclose or otherwise make your ATM PIN, POS PIN or Audio Response PIN available to anyone not authorized to sign on your accounts.

Notices

All notices from us will be effective when we have mailed them or delivered them to your last known address on our records. Notices from you will be effective when received by us at the telephone number or the address specified in this Agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least twenty one (21) days before the effective date of any change, as required by law. Use of this service is subject to existing regulations governing your account and any future changes to those regulations.

Enforcement

In the event either party brings a legal action to enforce this Agreement or collect amounts owing as a result of any Account transaction, the prevailing party shall be entitled to reasonable attorneys' fees and costs, including fees on any appeal, subject to any limits under applicable law.

Termination of ATM, POS and Audio Response Services

You agree that we may terminate this Agreement and your use of the ATM Card, POS or Audio Response services, if:

You or any authorized user of your ATM PIN, POS card or PIN or Audio Response PIN breach this or any other agreement with us;
We have reason to believe that there has been an unauthorized use of your ATM PIN, POS card or PIN or Audio Response PIN;
We notify you or any other party to your account that we have cancelled or will cancel this Agreement. You or any other party to your account can terminate this Agreement by notifying us in writing.

Termination of service will be effective the first business day following receipt of your written notice. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination.

Pre-authorized Electronic Fund Transfers

Stop Payment Rights

If you have told us in advance to make regular electronic fund transfers out of your account(s), you can stop any of these payments. Here's how: Call us or write to us at the telephone number or address set forth above, in time for us to receive your request three (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 fourteen (14) days after you call. We will charge you $ 19.00 for each stop payment order you give.

Notice of Varying Amounts

If these regular payments may vary in amount, the person you are going to pay will tell you, ten (10) 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 differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.

Liability for Failure to Stop Payment of Pre-authorized Transfers

If you order us to stop one of these payments three (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.

Other Provisions

There may be a delay between the time a deposit is made and when it will be available for withdrawal. You should review our Funds Availability Policy to determine the availability of the funds deposited at ATMs. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account.

ATM Safety Precautions

As issuers of Automated Teller Machine (ATM) access devices, we have provided for your information a list of safety precautions regarding the use of automated teller machines. Please read the following safety precautions:

Be aware of your surroundings, particularly at night.
Consider having someone accompany you when the automated teller machine is used after dark.
Refrain from displaying your cash at the ATM. As soon as your transaction is completed, place your money in your purse or wallet. Count the cash later in the safety of your car or home. Do not leave your receipt at or near the ATM.
It is appropriate to politely ask someone who is uncomfortably close to you to step back before you complete your transaction.
Consider using another automated teller machine or coming back later if you notice anything suspicious. If you are in the middle of a transaction and you notice something suspicious, cancel the transaction, pocket your ATM access device and leave.
Go to the nearest public area where people are located if you are followed after making a transaction.
Do not reveal your Personal Identification Number (PIN) to others. Avoid allowing others to view your PIN entry into an ATM. Memorize your PIN and do not write your personal identification number or code on your ATM access device.
Report all crimes to law enforcement officials immediately.