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* Offer available starting March 1, 2023, and American Bank & Trust reserves the right to withdraw this offer at any time without notice. Offer available to new mortgage loans applications after 3/1/2023 and on or before 6/30/2023 – Loan must be originated by 7/31/2023. Loans are subject to approval. The following requirements are listed for the cash offer promotion and are not a requirement of the mortgage loan approval. All primary residence mortgage loan types are eligible for this offer. Terms, conditions and fees for loans, accounts, products, programs, and services are subject to change and may be withdrawn at any time prior to loan opening. 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. Offer is calculated at 50 Basis Points (BPS) times the amount of the qualifying mortgage loan, but not to exceed $1,000 cash. For example, a loan of $100,000 would be eligible for a $500 cash deposit (0.500% x $100,000) whereas any loan of $200,000 or more would be eligible for the maximum $1,000 cash deposit. To receive this offer, you must complete the following – 1) Mortgage loan must be for primary residence; 2) Customer must have a checking account with American Bank & Trust that has direct deposit set up; and 3) Customer must enroll in autopay for the new mortgage loan from their AB&T account. All AB&T checking account types qualify for this offer. Offer is not available to those whose accounts have been closed within 6 months or closed with a negative balance within the last 3 years. Mortgage must be in Good Standing. Good standing means there is no default (or event or occurrence which, with notice or lapse of time or both, if uncured, would constitute a default) under the Mortgage, and all of the following that have become due and payable have been paid: (1) taxes; (2) governmental and other assessments; (3) insurance premiums; (4) water, sewer and municipal charges; (5) lease – hold payments; and (6) ground rents. Checking account must also be in good standing, meaning the account is not overdraw, or has an abundant history of being overdrawn. Offer will be paid out within 90 days of closing on your mortgage loan. Limit one mortgage related bonus every two years from the last bonus payout date. Limit one bonus per account and per customer.

Eligible Checking Accounts and Rates – ¹Relationship Checking is a no minimum balance checking account with a monthly compounding frequency with a minimum daily balance of $0.01 to obtain the APY. Relationship Checking account holders with an average account balance of $0.01 – $10,000.00 will receive an APY of 0.05%. Those with an average account balance of $10,000.01+ will receive an APY of 0.05%. ²Relationship+ Plus Checking is a no minimum balance checking account with a monthly compounding frequency with a minimum daily balance of $0.01 to obtain APY. Account holders with an average account balance of $0.01 – $25,000.00 will receive an APY of 0.05%. Those with an average account balance of $10,000.01+ will receive an APY of 0.05%. ³High Interest Checking is a $1,500.00 minimum balance checking account with a monthly compounding frequency with a minimum daily balance of $0.01 to obtain APY. Account holders with an average account balance of $0.01 – $1,500.00 will receive an APY of 0.01%. Those with an average account balance of $1,500.01 – $15,000.00 will receive an APY range of 0.01% – 0.03%. Those with an average account balance of $15,000.01 – $50,000.00 will receive an APY range of 0.03% – 0.18%. Account holders with an average account balance of $50,000.01 – $100,000 will receive an APY range of 0.18% – 0.42%. Those with an average account balance of $100,000.01 – $150,000.00 will receive an APY range of 0.42% – 0.53%. Those with an average account balance of $150,000.01+ will receive an APY range of 0.53% – 1.11%. APY’s are accurate as of 3/8/23. All accounts have a minimum opening deposit of $50 and are subject to applicable terms, fees, and charges. Fees may reduce earnings. Rates on variable accounts may change after the account is opened.