Debit Card/ATM Changes

New federal regulations will take effect this summer that will prevent financial institutions from
authorizing overdrafts on ATM and one-time debit card transactions without your permission.
Your action may be necessary.

Our goal is to provide important information to assist you in making the best decision. Please review
Understanding the Changes and complete the Authorization Form to notify us of your decision.
Should you need further guidance click on the Guide Me tool, answer a few questions and instantly
know which option is best for you.

Mail the completed Authorization Form by August 1, 2010 to:

American National Bank of Texas
ATTN: B.E.S.T. Dept
P.O. Box 40
Terrell, TX 75160

You may call us at 1-800-837-6584 to provide your Authorization verbally.

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