DEPOSIT QUESTIONS

1. Over $100,000   What if I have more than $100,000 in my accounts at Ameribank, Inc.?
2. Account Hold   I have been advised there is a hold on my account.  What does that mean?
3. ATM/Debit Card/Checks  Can I continue to write checks or use my ATM/Debit card?
4. Automatic Payments/Online Bill Pay  Will my automatic payments through online Bill Pay continue?
5. Brokered Deposits/Deposit Broker   I am a deposit broker or I have a deposit through a broker.  What do I need to do?
6. Checks not Honored  A merchant will not honor my check.  What can I do?
7. Claim Account(s)  How do I claim my account(s)?
8. Customer Impact  How does this action affect me?
9. Deposits Existing at Pioneer Community Bank, Inc.  I already have other deposit accounts with Pioneer Community Bank, Inc.  When combined with balances at Ameribank, Inc., my deposits exceed $100,000.  Are all of my funds from both banks insured?
10. Direct Deposits - Social Security, etc.  What will happen to my direct deposits?
11. Early Withdrawal Penalty   Will I incur an early withdrawal penalty if I close my CD before maturity?
12. Final Statement   How will I get my final account statement(s) from Ameribank, Inc.?
13. Interest  Will I continue to earn interest at the same rate?
14. Interest Check/Cashier's Checks  Can I cash my interest check or cashier's check?
15. Internet Connection   Will my Internet connection to Ameribank, Inc. still work?
16. IRAs   What if I have an Individual Retirement Account (IRA)?  Will my savings still be insured?
17. Outstanding Checks   What will happen to the checks which have not cleared my account?
18. Records/Account Histories  What if I need information regarding my account during the time Ameribank, Inc. was in business?
19. Tax Reporting - 1098/1099s   Who will send my 1098 and/or 1099 information after the end of the year?
20. Wire Transfer   Can funds be wired to me?

LOAN QUESTIONS

21. Automatic Payments  Will my automatic transaction payment still occur on its assigned date?
22. Construction Loan Draws  Will construction draws continue?  Will my project be completed?
23. Construction Loan Voucher Control  Will my subcontractors be paid as before?
24. Escrows  Will you continue to pay my escrows?
25. Fees  Are there any changes to fees or charges due to this event?
26. Lender and Contact Names  Who is my lender and has my loan contact changed?
27. Loan Sales  Will my loan be sold?
28. Line of Credit Advances - Home Equity Lines  Can I continue to draw on my Home Equity Line of Credit (HELOC)?
29. Loan in Process  I have a loan currently in process.  How is my loan impacted?
30. Loan Sweeps  Will my loan sweep be discontinued?
31. Overdraft Line of Credit  Will the overdraft arrangement tied to my savings account continue to stay in place?
32. Payments  How and where do I make my payments?  Can I still pay by phone or at the branch?
33. Pre-payment Penalty  If I refinance with another lender, will my pre-payment penalty be waived?
34. SBA Application in Process  What will happen to my SBA loan application in process?
35. What Happens Now  What will happen to my loan?

GENERAL QUESTIONS

36. All Deposit Transfer versus Insured Deposit Transfer  Why do all deposits, insured or not, pass in some transactions but not in others?
37. FDIC Insurance  Where can I find out more about Federal Deposit Insurance rules?
38. Media   I represent a TV/Newspaper/Radio and would like some information.
39. New Bank Insured   Is Pioneer Community Bank, Inc. insured by the FDIC?
40. Safe Deposit Boxes   How can I claim the contents of my safe deposit box?
41. Shareholder  I am a shareholder of Ameribank, Inc.  What happens to my shares?
42. Unpaid Bill   I did some work for Ameribank, Inc. and have not yet been paid.  What should I do?
43. What Happened?  What happened, why did the bank fail?
44. Work for FDIC - Contract or Employment   How can I apply to work for FDIC as a contractor or employee?

As an All-Deposit Transfer transaction, the total of all deposit accounts in West Virginia branches, whether within FDIC insurance limits or not, have been assumed by Pioneer Community Bank, Inc. and will be available for transactions.

If you had a loan with Ameribank, Inc., please continue to make your payments to the same address as you have in the past until you are instructed otherwise.  Continue to make your checks payable to Ameribank, Inc.

The former Ameribank, Inc. locations will reopen for normal business hours on Monday, September 22, 2008.  You will have continued access to your money through your ATM/debit card and by writing checks.

Can Ameribank, Inc. customers use Pioneer Community Bank, Inc. branches?
No, not at this time.  During the transition of Ameribank, Inc. West Virginia records to Pioneer Community Bank, Inc. systems, Ameribank, Inc. customers should continue to conduct their banking business at former Ameribank, Inc. branches.  You will be notified when you can use Pioneer Community Bank, Inc. branches.

Similarly, existing customers of Pioneer Community Bank, Inc. cannot use former Ameribank, Inc. branches and should continue to conduct their business at Pioneer Community Bank, Inc. branches.

Are My Deposits Insured? (www.fdic.gov/deposit/deposits/index.html)

You may continue to make your payments at the branch or by phone via check or credit card.

If your loan has been approved by the SBA, but is not yet funded, please contact your loan officer.  He will direct you to the proper SBA contact to help you locate another approved lender.

If your loan is in process, but is not yet approved by the SBA, we will release your SBA package on file with us to you, and you will need to apply with another SBA-approved lender.  Please contact your loan officer to make arrangements to retrieve your application from the bank.

The FDIC is required by law to employ the least-cost resolution measure for each failed financial institution.  The most frequent result is for the FDIC to transfer only the insured deposits in a merger transaction.  The FDIC is only able to transfer all deposits if the uninsured amounts are covered by the premium.  The FDIC has been able to transfer all deposits in about 25% of the failures over the past 15 years.

You must also register in the Central Contractor Registration database at www.ccr.gov.

To review positions currently available at the FDIC, visit Careers at FDIC (www.fdic.gov/about/jobs/index.html).