Consumer Savings Accounts

American Bank is sure to have an account to fit your individual savings needs.
If you have any questions, please feel free to ask your American Bank representative.

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Interest Advantage
A convenient savings tool for American Bank customers.

Account Fee (1)	Account Features
$4.00/per statement cycle (2)	• Balances can help waive your monthly checking fees • Direct deposit • ATM access • Auto transfer to or from checking • 24 hour telephone banking • Internet banking
Interest Rate (1)	Variable
Interest Compounded	Daily
Minimum Opening Deposit	$25.00
Term	Open

Monthly fee waived with minimum daily balance of $300.00 in an Interest Advantage account or $300.00 daily balance in an American Advantage checking account.

Scholastic Advantage and Senior Interest Advantage
A savings account available to students 22 and under currently in school and our customers age 49 and older.

Account Fee (1)	Account Features
No account fees (2)	• Direct deposit • ATM access • Auto transfer to or from checking • 24 hour telephone banking • No minimum balance • Internet banking
Interest Rate (1)	Variable
Interest Compounded	Daily
Minimum Opening Deposit	$25.00
Term	Open

Performance Advantage
A flexible money market account with limited check writing privileges.

Account Fee (1)	Account Features
$10.00/per statement cycle (2)	• Balances can help waive your monthly checking fees • Direct deposit • ATM access • Auto transfer to or from checking • 24 hour telephone banking • Internet banking
Interest Rate (1)	Variable
Interest Compounded	Quarterly
Minimum Opening Deposit	$1,000.00
Term	Open

Monthly fee waived with minimum daily balance of $1,000.00 in Performance Advantage

Insured Time Deposits
A savings tool which helps you save for specific time periods from 90 days to 3 years.

Account Fee (1)	Account Features
No account fees (3)	• Balances can help waive your monthly checking fees • Short or long term • Auto transfer of interest to savings or checking • 24 hour telephone banking • Internet banking
Interest Rate (1)	Fixed for Term
Interest Compounded	Depends on Term
Minimum Opening Deposit	$500.00
Term	90 Days - 3 Years

Individual Retirement Account
A smart way to save for the future and defer your tax liability.

Account Fee (1)	Account Features
No account fees (3)	• Auto deposit from checking or savings accounts  • 24 hour telephone banking  • Internet banking
Interest Rate (1)	Fixed or Variable
Interest Compounded	Depends on Term
Minimum Opening Deposit	$100.00
Term	90 Days - 3 Years

American Way Savings
Our Premier Savings Account. A market rate savings account that pays a high interest rate (4) and your assets remain liquid. The opening balance requirement for this account is $25,000.00. You may make unlimited deposits and six transfers or withdrawals from your account each monthly statement cycle without incurring an excess withdrawal fee.

Monthly Fee (1)	Account Features
$10.00/ Month (3)	• Competitive variable interest rate  • Interest compounds Monthly  • Direct deposit  • ATM Access and limited auto transfer to or from checking (2)  • Tied to external 5 week average index  • 24 hour telephone banking  • Internet Banking

Monthly fee waived with minimum daily balance of $25,000.00.

Balance APY* $25,000 & Over 1.346%* $0 - $24,999.99 .00%*

*Annual Percentage Yields April 30th, 2008 through May 29th, 2008

Contact a Personal Banker today at any of our locations

 • Annual Percentage Yields are accurate as of 4/30/2008. Call for current rates. These are variable rate accounts and are subject to change without notice. Fees or other conditions may reduce earnings. Minimum opening balance of $25,000. If daily balance falls below $25,000 a monthly service charge of $10 will be assessed to the account. Interest rate is based on the five week moving average auction discount rate on the Thirteen Week Treasury Bill as of the last business day of the preceding month.

• Please see Deposit Account Agreement for additional information.

1. All account fees and interest rates are subject to change.
2. Excess withdrawal fees and fees noted under “Other Account Fees” in the Deposit Account Agreement may apply to this account.
3. Please see the Deposit Account Agreement for more information on applicable penalties.
4. The interest rate is based on the most recent five week moving average auction discount rate on the Thirteen Week Treasury Bill.