Reacting to the Challenges: Business Strategies for Future Success. Todd S. Adams, Chief Executive Officer Adams Bank & Trust Ogallala, Nebraska

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1 Reacting to the Challenges: Business Strategies for Future Success Todd S. Adams, Chief Executive Officer Adams Bank & Trust Ogallala, Nebraska

2 Adams Bank & Trust Family Owned for 95 Years $525 Million 15 Branches

3 Challenges for the Future Net Interest Margin Compression Declining Non Interest Revenue Basic Business Model Shifts

4 Net Interest Margin Compression Record Low Interest Rates Uncertainty = Low Loan Demand Profitability in Agriculture Overhead Coverage

5 Non Interest Revenue Decline Economic Conditions ATM vs. Debit Cards 24/7 Account Access Mobile Banking Alerts

6 Shifts in Our Basic Business Model Higher Capital Ratios Higher Loan Loss Reserves Loan / Investment Opportunities

7 Shifts in Our Basic Business Model Regulatory Changes Free Checking Need for Efficiency

8 Strategies and Action Steps Proactively Moving Forward

9 Electronic Statements Customer Incentives Plant a Tree Employee Incentives Penetration

10 E-Statement Penetration E-Statements ~ Only Open Accounts Adams Bank & Trust 6,100 5,100 4,100 4,925 4,971 5,046 5,066 5,105 5,128 5,171 3,974 4,098 3,888 4,241 4,345 4,454 4,538 3,334 3,394 3,483 3,548 5,255 4,640 4,723 4,782 4,8354,864 3,712 3,854 3,952 4,044 3,100 2,100 1,100 1,646 1,997 2, JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC # of E-Statements '09 # of E-Statements '10 # of E-Statements '11

11 Rewards Checking Incenting Customer Behavior E-Statement Direct Deposit Debit Card Usage Rate Reward ATM Usage Reward

12 Free Checking Shift Debit Card Interchange Fees Overdraft Fees FDIC Insurance Increases

13 Free Checking Shift Processing Costs Regulatory Costs Personnel Costs

14 Analysis of Consumer Checking Account Profitability Additional Income Source Increased Efficiency

15 Objectives: More Profitable New Customers No Free Checking Earn a Waived Service Charge

16 Objectives: Migrate Unprofitable Free Consumer Checking Households to a Value Account.

17 Initial Action Steps: Strategy Corps analyzed our existing consumer DDA portfolio and determined household profitability.

18 Initial Action Steps: Profitability Indicators: Debit Card Usage Per Month estatement Enrollment Average Balances Fee Income (Service Charge & Loan) Lending Relationships

19 Initial Action Steps: Households were considered unprofitable if they generated less than $250 in income to the bank per year.

20 Initial Action Steps: Focus on only unprofitable free households as the other account types were at least earning some type of service charge.

21 Initial Action Steps: Unprofitable Free Accounts Were Migrated: Proper Notification Value Account $6 / Month Additional Benefits Opportunity to Earn a Free Account

22 Follow-Up on Action Steps: New Consumer Checking Account Line up Sun-setting of Free Checking Addition of e-checking

23 E-Checking is Basic Account: Free Initial Checks Free Debit Card Free Online Banking w/billpay No Minimum Balance Unlimited Check Writing

24 E-Checking is Basic Account: $4 / Month Service Charge UNLESS Customer has e-statement Potential for Account to be Free

25 Our Thinking: Only affect the unprofitable customer base. Why upset free profitable customers?

26 Our Thinking: Create potential to EARN a free account. Service charge for receiving a paper statement. Value of additional benefits.

27 Our Thinking: Not just a checking account: Online Shopping Travel Insurance Identity Protection Sight and Hearing Savings Prescription Discounts.

28 Feedback: 1013 consumers were notified of migration to AB&T s Best account. Letter outlined the benefits and that there would be a $6 / month charge. Letter included Gold Card.

29 Feedback: In the first four weeks, of the 1013 accounts: 41 were revised to another account type at AB&T (4%) 27 were closed all were dormant accounts with returned mail (2.6%) 2 were closed by customer request (both accounts were dormant) (.20%)

30 Feedback: Between the 15 branches: 56 phone in regards to the migration 18 people walked into a physical branch with questions The migration process was a non-event

31 Don t Forget to Have Fun Celebrate Successes Recognize Group Achievements

32

33 BRANCHES OF THE FUTURE WILL BE PLACES WHERE WE EDUCATE, INFORM AND SELL BY DELIVERING VALUE TO OUR CUSTOMERS AS FINANCIAL PROFESSIONALS.

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