Disclaimer 1) To receive the $500 Account Opening Bonus: Offer available from September 1 – October 31, 2026, and American Bank & Trust (AB&T) reserves the right to withdraw this offer at any time without notice. Accounts are subject to approval. 1) Open a new AB&T checking account in person at an AB&T branch; AND within 90 days of account opening: 2) Have 2 direct deposits made to this account totaling at least $500; AND 3) Enroll in eStatements; AND 4) Have at least 20 debit card transactions on the account. Person to Person payments (such as Zelle) or external bank to bank transfers using the ACH network are not considered a direct deposit. All accounts have a minimum opening deposit of $50 and are subject to applicable terms, fees, and charges. Ask us for details. Bank rules and regulations apply. Other fees such as non-sufficient funds, overdraft, etc. may apply. See fee schedule for details. After the qualifications have been met, we’ll deposit the bonus in your new account within 45 days. If the checking account is closed by the customer within 90 days after opening, the account will be subject to a $25 early closure fee. Eligibility may be limited based on account ownership. Offers not available to existing AB&T checking account customers, those whose accounts have been closed within 6 months or closed with a negative balance within the last 3 years. Limit one new checking account opening related bonus every two years from the last bonus payout date per customer. Limit one bonus per account and per customer. Bonus is considered interest and will be reported on IRS Form 1099-INT. Offer is not available to non-resident aliens or foreign entities. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Eligible Checking Account – Totally Free Checking.

2) The $100 Savings Bonus is available during the promotional period of September 1 – October 31, 2026 and American Bank & Trust (AB&T) reserves the right to withdraw this offer at any time without notice. The Savings Bonus is open to new and current AB&T consumer checking account customers who open a new savings account at AB&T that meets the following requirements: 1) Open a new AB&T Savings account; AND within the promotional period: 2) enroll in the Save Your Change program; AND 3) enroll in eStatements within 30 days of account opening. New savings accounts are subject to approval. All accounts have a minimum opening deposit of $50 and are subject to applicable terms, fees, and charges. Fees may reduce earnings. Bank rules and regulations apply. AB&T savings accounts have a minimum balance required; fees such as service charges will apply if accounts fall below minimum. Other fees may apply; see fee schedule for details. After the qualifications have been met, we’ll deposit the bonus into your new account within 45 days. If the new savings account is closed within 90 days after opening, the account will be subject to a $25 early closure fee. Eligibility may be based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT. Offer is not available to non-resident aliens or foreign entities. Eligible Savings Accounts and Rates – Savings is $100 minimum balance savings account with a quarterly compounding frequency with a minimum daily balance of $0.01 to obtain APY. Account holders with an average account balance of $0.01 – $10,000.00 will receive an APY of 0.01%. Those with an average account balance of $10,000.01 – $25,000.00 will receive an APY range of 0.01% – 0.03%. Those with an average account balance of $25,000.01 – $50,000.00 will receive an APY range of 0.03% – 0.07%. Those with an average account balance of $50,000.01+ will receive an APY range of 0.07% – 0.25%. APY’s are accurate as of 04/01/2026. Rates on variable accounts may change after the account is opened. The bonus is not included in the Annual Percentage Yield (APY). A blended rate is an interest rate applied to an account that reflects a combination of two or more different rates. It typically occurs when different portions of a balance are subject to different interest rates based on predefined tiers. Example Calculation Let’s say an account has two interest rate tiers: Tier 1: Applies up to a certain maximum amount Tier 2: Applies to any amount exceeding Tier 1, up to another maximum Additional Tiers follow the above