To Our Valued Customers,

In light of unique events in the banking industry over the last few days, I wanted to reinforce that American Momentum Bank is safe, sound, and secure, and so are your accounts at American Momentum Bank.

We work hard to exceed your expectations every day. We are extremely well-capitalized and remain committed to our relationship banking model and maintaining sound credit discipline. We do not have exposure to crypto assets or Silicon Valley tech start-ups. We have a conservative operating philosophy and a diversified portfolio of deposits, which we deploy in loans to businesses and consumers in our communities.

We value your business and respect the trust that you have placed in us. We have, we do, and we will continue to provide safe, secure, and responsible deposit, loan, and cash management products to our customers and work closely with all of you to provide sound financial services.

Thank you for your trust in American Momentum Bank.

Best regards,

Donald A. Adam

CEO and Chairman of the Board