AMERICAN SAVINGS BANK PRODUCTS

Account Type	Minimum Balance to obtain the APY	Compounding Method	Interest Rate	Annual Percentage Yield (APY)
Passbook Savings	$10	Quarterly	0.50%	0.50%
Statement Savings	$100	Monthly	0.25%	0.25%
NOW Account Checking	$500	Monthly	0.25%	0.25%
Investors Money Market Account (Rates subject to change at any time)	$100 - $24,999 $25,000 - $49,999 $50,000 +	Monthly	0.49% 0.99% 1.49%	0.50% 1.00% 1.50%
Health Savings Account	$100 - $2,499 $2,500 - $9,999 $10,000+	Monthly	1.24% 1.74% 2.23%	1.25% 1.75% 2.25%
Basic Business Checking	$500	Monthly	0.25%	0.25%
Commercial/Business Checking	N/A	N/A	N/A	N/A

Certificates of Deposit	Minimum Balance to obtain the APY	Compounding Method	Interest Rate	Annual Percentage Yield (APY)
3 Month	$2,500	None	1.49%	1.50%
6 Month	$2,500	None	1.49%	1.50%
9 Month	$2,500	None	1.49%	1.50%
12 Month	$500	Semi-Annual	1.49%	1.50%
15 Month Special	$500	Semi-Annual	1.99%	2.00%
18 Month	$500	Semi-Annual	1.74%	1.75%
24 Month	$500	Semi-Annual	1.74%	1.75%
30 Month	$500	Semi-Annual	1.99%	2.00%
3 Year	$500	Semi-Annual	1.99%	2.00%
4 Year	$500	Semi-Annual	2.73%	2.75%
5 Year	$500	Semi-Annual	2.98%	3.00%
Individual Retirement Account	$100	Semi-Annual	2.24%	2.25%
18 Month (Other terms are available)

The APY assumes that interest must remain on deposit until maturity and that a withdrawal will reduce earnings.
There may be a penalty imposed for early withdrawal from Certificates of Deposit.
Depositors insured to $100,000 by FDIC. ($250,000 until 12/31/09)
Certificates with balances greater than $100,000 could receive higher rates. Please call (740) 354-3177 for details.
Fees may reduce earnings on accounts.