Patriot National Bancorp (PNBK)

[Penny Roger$]

Patriot National Bancorp, Inc. (Bancorp) is a bank holding company for Patriot National Bank (the Bank). The Bank offers a range of consumer and commercial banking services to individuals, small and medium-sized businesses and professionals. The Bank offers consumer and commercial deposit accounts that include checking accounts, interest-bearing negotiable order of withdrawal (NOW) accounts, insured money market accounts, time certificates of deposit, savings accounts, individual retirement accounts (IRAs) and health savings accounts (HSAs). Other services include Internet banking, bill paying, remote deposit capture, debit cards, money orders, traveler’s checks and automated teller machines (ATMs). The Bank is a member of certificates of deposit account registry service (CDARS) whereby customers can obtain complete Federal Deposit Insurance Corporation (FDIC) insurance coverage by placing large deposits into smaller-denomination certificates of deposits in multiple institutions.

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