American State Bank and Trust Company: Current Rates

Checking/Savings Accounts

	Rate	APY	Minimum Balance
Partriotic Money Market Checking	.50	.50	2,500-49,999
	.75	.75	50,000-149,999
	1.00	1.00	150,000+
Presidential Club Account	.25	.25	1,500-24,999
	.40	.40	25,000 - 99,999
	.75	.75	100,000+
Liberty Checking	.15	.15	500
Savings	.25	.25	5 - 24,999
	.50	.50	25,000 - 49,999
	.65	.65	50,000+

You must maintain the minimum balance noted for each tier in order to earn the Annual Percentage Yield 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.

Certificates of Deposit

	Rate	APY	Minimum Balance
7-29 Day	.90	.90	500
30 Day	.90	.90	500
91 Day	1.10	1.10	500
6 Months	1.44	1.45	500
12 Months	1.60	1.60	500
18 Months	2.00	2.00	500
24 Months	1.90	1.90	500
30 Months	2.10	2.10	500
36 Months	2.30	2.30	500
48 Months	2.90	2.90	500
60 Months	3.40	3.40	500

IRA Accounts

	Rate	APY	Minimum Balance
12 Months	1.60	1.60	50
24 Months	1.90	1.90	50
36 Months	2.30	2.30	50
48 Months	2.90	2.90	50
60 Months	3.40	3.40	50

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

Health Savings Accounts

	Rate	APY	Minimum Balance
Tier 1	.90	.90	.00-4,999
Tier 2	1.64	1.65	5,000-9,999
Tier 3	1.88	1.90	10,000-24,999
Tier 4	2.13	2.15	25,000+

Specials

	Rate	APY	Minimum Balance
7 Months	2.15	2.15	500
23 Months	2.40	2.40	500