Bank of Jamestown

P.O. Box 6

Jamestown KY 42629

(270) 343-3186 Fax (270) 343-3037

Dear Valued Customer,

If you are one of our customers who sometimes uses your Overdraft Privilege with your Visa Debit and ATM cards, we want you to know that the regulation on how we can handle these has changed.

Effective August 15, 2010, if you want to be able to use your Overdraft Privilege for your everyday Visa Debit card purchases or your ATM card, you must first tell us you want to be able to do this. If you do not tell us you want to be able to do this, you will not be able to use your Visa Debit or ATM card unless you actually have the funds in your account to cover the transaction completely. The transaction will be denied at both the point of purchase and the ATM.

This new regulation has no affect on checks you write or automatic bills that you have set up to come out of your account each month. You can still use your Overdraft Privilege with all checks and electronic transactions whether in person, by phone, or on the internet.

To avoid having your Visa Debit or ATM card transactions denied:

• Fill out the attached opt-in form and either mail it back to us or drop it off at any of our branches, or

• Call us at 270-343-3186 and tell us you want to opt in, or

• You can tell your favorite teller to handle it for you the next time you’re in.

The opt-in will only cover the account numbers you tell us to cover. If you have more than one account, just tell us which account numbers you want to have the privilege.

If you opt in and then change your mind later on, you can also opt out at any time by the same methods you can use to opt in.

Sincerely,

Terry R Cochran, CEO