IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING OR CHANGING AN ACCOUNT WITH AMERICAN BANK AND TRUST COMPANY, N.A.

Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.

What this means to you: when you open an account, we will ask each person for their name, address, date of birth (for individuals), and other information that will allow us to identify them. We may also ask to see each person’s driver’s license (for individuals) or other identifying documents.