Availability of Deposits | Community Reinvestment | Federal Fair Lending Laws
Financial Disclosures | Home Mortgage | Legal Disclosures | Help Us Prevent Identity Fraud

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and moneymarket deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

Member FDIC

FUNDS FROM DEPOSITS MAY NOT BE AVAILABLE FOR IMMEDIATE WITHDRAWAL. PLEASE REFER TO YOUR INSTITUTION'S RULES FOR GOVERNING FUNDS AVAILABILITY FOR DETAILS.

PINNACLE BANK FUNDS AVAILABILITY POLICY

Under the Federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound
operations The FDIC also takes this record into operations. account when deciding on certain applications submitted by us. Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the FDIC; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comment. You may review this information today.

At least 30 days before the beginning of each quarter, the FDIC publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from the Regional Manager, Division of Compliance and Consumer Affairs, Federal Deposit Insurance Corporation, 10 Tenth Street, North East, Suite 800, Atlanta, GA 30309.

You may send written comments about our performance in helping to meet community needs to:

Ronnie Shaw

PINNACLE BANK
1811 SECOND AVENUE JASPER, AL 35501
AND TO THE
FDIC REGIONAL MANAGER

Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public. You may ask to look at any comments received by the FDIC Regional Manager. You also may request from the FDIC Regional Manager an announcement of our applications covered by the CRA filed with the FDIC.

We are an affiliate of Pinnacle Bancshares, Inc., a bank holding company. You may request from Assistant Vice President, Applications, Federal Reserve Bank of Atlanta, 1000 Peachtree Street, N.E. , Atlanta, GA 30309, an announcement of applications covered by the CRA filed by bank holding companies.

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:

• Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling; or
• Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:
Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing & Urban Development
Washington, D.C. 20410

For processing under the Federal Fair Housing Act and to:
Division of Compliance and Consumer Affairs
Federal Deposit Insurance Corporation
Washington, D.C. 20429-9990

For processing under FDIC regulations

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:

• On the basis of race, color, national origin, religion, sex, marital status, or age,
• Because income is from public assistance, or
• Because a right was exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:
Division of Compliance and Consumer Affairs
Federal Deposit Insurance Corporation
Washington, D.C. 20429-9990

Information about the financial status of Pinnacle Bank for the preceding year may be obtained at no cost on request.

Annual Disclosure Statement Requests may be made in person at the Main Office located at 1811 Second Avenue, Jasper, Alabama, 35501 or by telephone at: (205) 221-4111.

OUR ANNUAL HOME MORTGAGE DISCLOSURE ACT STATEMENT IS AVAILABLE FOR INSPECTION. THIS STATEMENT SHOWS THE GEOGRAPHIC DISTRIBUTION OF OUR RESIDENTIAL MORTGAGE AND HOME IMPROVEMENT LOANS. FOR INFORMATION ON HOW YOU MAY INSPECT THE STATEMENT INQUIRE AT THIS OFFICE.

Information concerning Race, Gender, Income, Loan approvals and denials is available.

A copy of Pinnacle Bank's Mortgage Loan Disclosure Statement, Prepared by The Federal Financial Institutions Examination Council, is available for inspection at our office located at:
1811 Second Avenue
Jasper, AL 35501

According to the Federal Trade Commission, identity theft is the fastest-growing crime in the country. Our ability to feel safe is becoming more difficult with terrorism and crime on a steady increase.

The USA PATRIOT ACT has paved the way for financial institutions to help prevent fraud, identity theft, and the spread of terrorism. It requires financial institutions to obtain more information from an individual or legal entity to help establish identity.

Your cooperation is needed when you open a new account or request a loan. You may be asked more questions to establish and confirm your identity. It may also be required for you to provide one or more forms of identification.

The information contained within this web site is provided “as is” and contains no implied warranties whatsoever – either express or implied – included, but not limited to, warranties regarding the accuracy or completeness of the information contained within this site or in any referenced links. Neither Pinnacle Bank nor it’s officers, directors or representatives, shall be liable for damages, including special and consequential damages, arising out of or in connection with the usage of this site.

The use of materials on this Web site without the prior written permission of Pinnacle Bank is prohibited.