Before using EXPRESS PHONE BANKING, make sure you have your account number(s) handy. Also, have your Personal Identification Number (PIN) available. The first time you call, your PIN# will be the last four digits of your social security number (For joint accounts, use the social security number of the first person named on the account). You will then be instructed to change your PIN# to a new four digit number that only you know.

The terms set forth in the "Rules & Regulations Governing Accounts" covers the operation of deposit accounts at Brenham National Bank. This disclosure is available from any Banker.