American State Bank and Trust Company: Current Interest Rates

Personal Checking/Savings Accounts

	Interest Rate	APY	Minimum Balance
Money Market	.05	.05	1,000-49,999
	.08	.08	50,000-149,999
	.15	.15	150,000+
Presidential Account	.05	.05	1,500-24,999
	.08	.08	25,000 - 99,999
	.10	.10	100,000+
Interest Checking	.05	.05	500
Personal Savings	.05	.05	100 - 24,999
	.05	.05	25,000 - 49,999
	.10	.10	50,000+

You must maintain the minimum balance noted for each tier in order to earn the Annual Percentage Yield (APY) disclosed. Fees could reduce earnings on the account. Disclosure of Account Terms for Checking and Savings Accounts: The interest rate and annual percentage yield on your checking or savings account may change after the account is opened. Interest will be compounded and credited monthly for all checking accounts and quarterly on savings accounts. Interest is calculated using the daily balance method.

Certificates of Deposit

	Interest Rate	APY	Minimum Balance
6 Months	.06	.06	500
12 Months	.12	.12	500
18 Months	.15	.15	500
24 Months	.25	.25	500
30 Months	.35	.35	500
36 Months	.55	.55	500
48 Months	.75	.75	500
60 Months	1.10	1.10	500

Disclosure of Account Terms for Certificate of Deposits: Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. Interest will be compounded annually unless otherwise agreed at account opening. Interest will be credited annually and at maturity for certificates of one year or more, unless otherwise agreed at account opening. Interest is calculated using the daily balance method. A Substantial Penalty is Required for Early Withdrawal.

Specials

	Interest Rate	APY	Minimum Balance
11 Months	.15	.15	500
23 Months	.30	.30	500

Disclosure of Account Terms for Certificate of Deposits: Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. Interest will be compounded annually unless otherwise agreed at account opening. Interest will be credited annually and at maturity for certificates of one year or more, or at the option selected by the customer. Interest is calculated using the daily balance method. A Substantial Penalty is Required for Early Withdrawal.

IRA Accounts

	Interest Rate	APY	Minimum Balance
12 Months	.12	.12	50
24 Months	.25	.25	50
36 Months	.55	.55	50
48 Months	.75	.75	50
60 Months	1.10	1.10	50

Disclosure of Account Terms for IRA Accounts: Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. Interest will be compounded annually unless otherwise agreed at account opening. Interest will be credited annually and at maturity for certificates of one year or more, unless otherwise agreed at account opening. Interest is calculated using the daily balance method. A Substantial Penalty is Required for Early Withdrawal.

Health Savings Accounts

	Interest Rate	APY	Minimum Balance
Tier 1	.05	.05	.00-4,999
Tier 2	.05	.05	5,000-9,999
Tier 3	.05	.05	10,000-24,999
Tier 4	.05	.05	25,000+

You must maintain the minimum balance noted for each tier in order to earn the Annual Percentage Yield (APY) disclosed. Fees could reduce earnings on the account. Disclosure of Account Terms for Health Savings Accounts (HSA): The interest rate and annual percentage yield on your checking or savings account may change after the account is opened. Interest will be compounded and credited monthly for all checking accounts and quarterly on savings accounts. Interest is calculated using the daily balance method.

Business Checking/Savings Accounts

	Interest Rate	APY	Minimum Balance
Business Money Market	.05	.05	1,000-49,999
	.08	.08	50,000-149,999
	.15	.15	150,000+
Business Presidential Checking	.05	.05	1,500-24,999
	.08	.08	25,000-99,999
	.10	.10	100,000+
Business Interest Checking	.05	.05	250
Non-Profit/Organization Checking	.05	.05	500
Government Checking	.05	.05	500
Business Savings	.05	.05	500-24,999
	.05	.05	25,000-49,999
	.10	.10	50,000+