IMPORTANT DISCLOSURES

Transaction Account Guarantee Program

American Community Bank & Trust is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through June 30, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Our NOW Account is not covered under the program. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

Unlawful Internet Gambling Enforcement Act of 2006 (UIGEA) and Regulation GG Commercial Account Notice

In accordance with the requirements of the Unlawful Internet Gambling Enforcement Act of 2006 (UIGEA) and Regulation GG, this notice is to inform you that restricted transactions are prohibited from being processed through your commercial account with our institution. Restricted transactions are transactions in which a person accepts funds, instruments or other proceeds from another person in connection with unlawful Internet gambling. This regulation becomes effective on June 1, 2010.