*Pledge of Accountability Fee Refund Rules. You, our Customer, are entitled to have the Annual Fee charged by CNB for management of your CNB Wealth Management Account returned should Canandaigua National Bank & Trust fail to deliver on the "Pledge of Accountability" requirements as described above. The Annual Fee is defined as the then prevailing fee charged by CNB under the terms of your Account Agreement based on the market value of the assets under management as of March 31 of any given calendar year up to $10,000. Our Pledge of Accountability to you will be effective after you have signed and returned the Pledge to your CNB Relationship Manager. Only individual accounts where CNB Wealth Management has full discretion qualify. Custody, Self-Directed and IRA Self-Directed accounts are excluded. To be eligible, your Account must be opened for a minimum of 1 year.