Current Disclosures, Agreements and Notifications

Electronic Banking Disclosures

• Account Services & Transaction Fees
  Notification Date: December 2008 | Date Effective: January 2009 
• Business Internet Banking Service Agreement
  Date Effective: December 19, 2008
• Business Internet Banking Disclosure
  Date Effective: April 2008
• eStatement Agreement
  Date Effective: July 2007
• Electronic Fund Transfer Disclosure and Electronic Fund Services Agreement
  Notification Date: August 2005| Date Effective:September 2005
• Electronic Banking Agreement
  Date Effective: January 10, 2009 
• Statement Reverse - Reporting Errors - Balancing
  Date Effective: March 2010 
• Unlawful Internet Gambling Enforcement Act
  Date Effective: June 2010

Transaction Account Guarantee Program Statement
National Exchange Bank & Trust has elected to participate in the Temporary Liquidity Guarantee Program, which fully guarantees all non-interest bearing accounts for the entire amount of the account. Coverage under this program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules and means that qualified accounts with more than $250,000 would be fully covered through June 30, 2010. 

General Banking Disclosures

• Account Services & Transaction Fees
  Notification Date: December 2008 | Date Effective: January 2009
• Check 21 Disclosure Notice
  Date Effective: October 2004
• Deposit Account Rules & Regulations
  Notification Date: August 2005 | Date Effective:September 2005
• Overdraft Privilege Policy
  Notification Date: July 2010 | Date Effective: August 2010
• Personal Line of Credit Overdraft Protection Agreement and Disclosure
  Notification Date: August 2009 | Date Effective: September 2009
• Privacy Policy
  Notification Date : July 2010 | Date Effective: July 2001
• Verified by Visa Terms of Service Agreement
  Date Effective: October 2003
• Default Card Limits
  Date Effective: May 2008