ANB Go Upgrade Guide

Terms and conditions.

Posting Order of Items Amended second paragraph to now read: It is our process to post credits or deposits (transactions where money is added to your account) to your account first. Then, we post debits (transactions where money is deducted from your account based on transactions you have initiated or from fees we assessed). All items presented within a type of transaction described below will be paid in order of lowest dollar amount to highest dollar amount. This means a $3 item will be paid before a $10 item and so on. The only exception to this are the checks you write on your account. These are paid in check number order. If you have more than one transaction on the same day (and do not have sufficient funds in your account) the order we use to post those transactions may affect the number and extent of overdrafts you have on that day. We encourage you to keep careful records and practice good account management to avoid authorizing debits without sufficient funds and incurring the resulting overdraft or return item fee(s) . Amended third paragraph to now read: There are two parts to the processing of transactions, the type of transaction and the order of payment within each type of transaction. These are important as each one impacts your account by either crediting or debiting your balance. Generally, we process debits in the following order: External wires, automatic payments or transfers, checks cashed from your account at one of our locations, Debit Card transactions (non-ATM transactions), telephone transfers, ATM withdrawals from machines we own, ACH (pre-authorized debits for items like life insurance premiums), ATM withdrawals from machines we do not own and physical checks presented to us from other institutions or the Federal Reserve. You understand that the order may change from time to time based on regulatory requirements, technology and industry standards. This may also include different timing for types of transactions based on how the transaction is presented and administered by us and finally, the processing of transactions may vary based on the source and respective cutoff times applicable for the systems utilized. For clients in Nebraska and Iowa: Amended fourth paragraph to now read: If there is not enough money in your account to pay the transactions presented to us, it will impact the amount of overdraft or return item fees you incur. In this situation, we may, at our discretion, either 1) pay the item or 2) we may return the item, both of which results in a fee to you. Regardless of past history, we may change our decision to pay or return at any time. If you chose to opt-in to the payment of ATM and one-time Debit Card transactions (see separate applicable disclosure provided to you), these items will be paid and will result in a fee. If you chose to opt-out of the payment of ATM and one-time Debit Card transactions, these transactions will be declined at the point of sale. You have the right to revoke your opt-in selection at any time by contacting us . The amounts of the fees described here are disclosed in the Additional Products and Services schedule (provided separately to you). For clients in Minnesota: Amended fourth paragraph to now read: If there is not enough money in your account to pay the transactions presented to us, it will impact the amount of overdraft or return item fees you incur. In this situation, we may, at our discretion, either

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