American State Bank and Trust Company: Current Interest Rates

Checking/Savings Accounts

	Interest Rate	APY	Minimum Balance
Partriotic Money Market Checking	.15	.15	2,500-49,999
	.25	.25	50,000-149,999
	.50	.50	150,000+
Presidential Club Account	.10	.10	1,500-24,999
	.25	.25	25,000 - 99,999
	.50	.50	100,000+
Liberty Checking	.10	.10	500
Savings	.10	.10	5 - 24,999
	.30	.30	25,000 - 49,999
	.40	.40	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 credited monthly for all checking accounts and credited quarterly on savings accounts. Interest is calculated on a simple interest basis. Interest on checking accounts is compounded monthly and paid monthly. Interest on savings accounts is compounded quarterly and paid quarterly.

Certificates of Deposit

	Interest Rate	APY	Minimum Balance
7-29 Day	.20	.20	500
30 Day	.20	.20	500
91 Day	.35	.35	500
6 Months	.50	.50	500
12 Months	1.00	1.00	500
18 Months	1.20	1.20	500
24 Months	1.20	1.20	500
30 Months	1.60	1.60	500
36 Months	1.80	1.80	500
48 Months	2.30	2.30	500
60 Months	2.70	2.70	500

Disclosure of Account Terms for Certificate of Deposits: Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. Interest will be compounded and credited at maturity for certificates less than one year. Interest will be compounded and credited annually if certificates are one year or longer. Interest is calculated on a simple interest basis. A Substantial Penalty is Required for Early Withdrawal.

IRA Accounts

	Interest Rate	APY	Minimum Balance
12 Months	1.00	1.00	50
24 Months	1.30	1.30	50
36 Months	1.90	1.90	50
48 Months	2.40	2.40	50
60 Months	2.90	2.90	50

Disclosure of Account Terms for IRA Accounts: Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. Interest will be compounded and credited at maturity for certificates less than one year. Interest will be compounded and credited annually if certificates are one year or longer. Interest is calculated on a simple interest basis. A Substantial Penalty is Required for Early Withdrawal.

Health Savings Accounts

	Interest Rate	APY	Minimum Balance
Tier 1	.30	.30	.00-4,999
Tier 2	.50	.50	5,000-9,999
Tier 3	.80	.80	10,000-24,999
Tier 4	.90	.90	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 for your account depends on the applicable rate tier. At our discretion, we may change the interest rate on your account at any time. Interest will be calculated on a simple interest basis and credited monthly to your HSA account.

Specials

	Interest Rate	APY	Minimum Balance
11 Months	1.10	1.10	500
23 Months	1.50	1.50	500