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You have direct access to your bank accounts 24 hours a day, 7 days a week with Online Banking. This service is "FREE" with your American Sterling Bank account.

COMMERCIAL CHECKING ACCOUNT

Limitations: You must deposit $250.00 to open this account. Account Fees: Monthly maintenance fee of $10.00; $.20 for each debit ledger entry and $.20 for each credit ledger entry; $.11 for each item deposited drawn on other banks; $5.00 for each deposited item returned; Credit of $.25 per $100.00 average monthly collected balance less 10% Federal Reserve requirement; FDIC Assessment of $.16 per $1,000 average monthly collected balance less 10% Federal Reserve requirement. A fee equal to the Bank's best commercial rate plus 3% will be assessed for those days the average daily collected balance is negative. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

COMMERCIAL NOW ACCOUNT

Commercial interest bearing checking account for business accounts meeting the requirements under eligibility for NOW accounts.

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Current interest rates and annual percentage yields are available at any American Sterling Banking Center. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information. We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $250.00 to open this account.

Account Fees: Monthly maintenance fee of $10.00; $.20 for each debit ledger entry and $.20 for each credit ledger entry; $.11 for each item deposited drawn on other banks.

COMMERCIAL MONEY MARKET

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Current interest rates and annual percentage yields are available at any American Sterling Banking Center. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain $1,000.00 in the account to obtain the APY.

Limitations: You must deposit $250.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Three (3) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees: If the monthly average collected balance falls below $1,000, the following service will be assessed: $0 - $749 - $12.00 service charge; $750 - $1,000 - $10.00 service charge; Over $1,000 - no service charge. A $10.00 per item charge will be assessed for all checks, drafts or similar devices drawn by the depositor to third parties in excess of the maximum allowed. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

STERLING MONEY MARKET ELITE

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield will depend upon the daily balance in the account as shown on the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Current interest rates and annual percentage yields are available at any American Sterling Banking Center. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum average daily balance of $2,000.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Limitations: You must deposit $10,000.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Three (3) of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees: If the monthly average collected balance falls below $2,000; a $12.00 service charge will be assessed and no interest will be paid. A $10.00 per item charge will be assessed for all checks, drafts or similar devices drawn by the depositor to third parties in excess of the maximum allowed. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

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COMMERCIAL SAVINGS

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Current interest rates and annual percentage yields are available at any American Sterling Banking Center. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded semi-annually and will be credited to the account semi-annually. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum average daily balance of $100.00 to obtain the disclosed annual percentage yield. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Limitations: You must deposit $250.00 to open this account. You may make six (6) transfers from your account each six month (6) or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Three (3) of these transfers may be made by draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Account Fees: If the average collected balance falls below $250.00 during the statement cycle, the account will be charged $5.00 per statement cycle. The account must be open on the interest paying dates of May 31 and November 30 to receive the interest due. Six withdrawals are allowed in a six month period; and there will be a $2.00 fee per withdrawal in excess of six.

CHRISTMAS CLUB

Limitations: You must deposit $10.00 to open this account. You may not make withdrawals from your account until the maturity date.

 Account Fees: If granted, any withdrawal of funds from this account prior to maturity will result in a $10.00 fee.

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Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield for available certificates are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account.  Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will not be compounded on the account. Interest will be credited at maturity or earlier if specified for the certificate. We will mail the interest in a check to you or deposit the interest in an account that you designate.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain the required minimum balance, specified for your certificate, in the account each day to obtain the disclosed annual percentage yield.

Limitations. You must deposit the required minimum amount, specified for your certificate, to open this account. You may not make additional deposits into this account. You may not make withdrawals from this account until the maturity date.

Time Account Information: Your account will mature on the date specified for the term of your specific certificate. If you withdraw any of the principal before the maturity date, we may impose a penalty of an amount equal to the number of days, specified for your certificate, of simple interest that could have been earned on the deposit had the funds remained on deposit until maturity and may require a reduction in the principal sum of this deposit. This account will automatically renew. If there is a grace period following the maturity of this account, it will be specified for your certificate.

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