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

PERSONAL CHECKING:  Limitations: You must deposit $100.00 to open this account. Account Fees: If your average daily balance falls below $500.00, your account will be charged $8.00. 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.

FREE AND EASY:  Limitations: You must deposit $100.00 to open this account. Account Fees: No monthly service charge.

PATRONS CLUB NOW ACCOUNT:  A special checking account for members of American Sterling Bank's Patrons Club which draws interest and allows funds to remain available to our members. Numerous benefits are associated with this account. Ask your Personal Banker Representative for full details.

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 average daily balance of $500.00 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 $100.00 to open this account. Account Fees: No service charge when $5,000 deposit relationship is maintained at American Sterling Bank. If your deposit relationship falls below the minimum, we may automatically convert your primary checking account to the Sterling Club account at the applicable fee schedule.

PERSONAL 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 daily balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open this account. Account Fees: Average Monthly Collected Balance over $1,000 - No Service Charge; If the average monthly collected balance falls below $1,000, the following service charge will be assessed: $750 - $1,000 $ 8.00 service charge; $500 - $749 - $10.00 service charge; $0 - $499 - $12.00 service charge

PERSONAL MONEY MARKET:  Sterling Money Market account is restricted to a maximum of six transfers per month, three of which may be made by check, draft or similar device drawn by the depositor to a third party.

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 $100.00 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 charge will be assessed: $0 - $749 - $12.00 service charge; $750 - $1,000 - $10.00 service; 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.

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PERSONAL 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 semiannually. 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 $100.00 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.

Account Fees: If the average collected monthly balance falls below $100.00 during any month in the statement cycle, the account will be charged $5.00 each month in which the condition existed. The account must be open on the interest paying dates of May 31 and November 30 to receive the interest due. While six withdrawals are allowed in a six month period; there will be a $2.00 fee per withdrawal in excess of six.

JUNIOR SAVINGS (Minor Account) 18 and under

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 $25.00 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 $25.00 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.

Account Fees:  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.

DOLLAR EXPRESS (ATM) SAVINGS ACCOUNT

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 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 $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 $100.00 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. Account must be linked to an American Sterling Checking Account.

Account Fees: Dollar Express Savings will allow one over-the-counter withdrawal per statement cycle, and there will be a $2.00 fee per withdrawal in excess of one. There is no limit or charge for withdrawals made with your ATM card at ATMs owned and operated by American Sterling Bank. If the average collected daily balance falls below $100.00, the account will be charged $5.00 per statement cycle. The account must be open on the interest paying date to receive the interest due.

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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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