American Home Bank

MATURITY MONTHS	RATE	APY
3 Month	0.20%	0.20%
6 Month	0.20%	0.20%
12 Month	0.20%	0.20%
18 Month	0.20%	0.20%
24 Month	0.20%	0.20%
30 Month	0.20%	0.20%
36 Month	0.20%	0.20%
48 Month	0.20%	0.20%
60 Month	0.20%	0.20%

What is a CD?

A CD offers low risk at a high return. Interest is compounded daily on our CDs.

Benefits

FDIC insured*
Guaranteed fixed rate
Access to your money available before maturity
Flexibility to choose the term that best suits your financial goals
24/7 access

*On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2009.

Features

Additional deposits up to 50% of the original CD amount allowed
One-time rate increase allowed
One-time withdrawal of up to 25% of the original balance permitted
$1,000 minimum opening deposit
Automatic renewal at maturity with a 10-day grace period
E-statement available at the end of June and December
Bank by phone: toll-free 1-888-242-2659

Terms

3 months
6 months
1 year
18 months
2 years
30 month
3 years
4 years
5 years

Other considerations to the CD Account

Penalty for early withdrawal in excess of one-time 25% of original balance based on CD term.
Allows you investment flexibility in choosing a term that best fits your individual needs.

3-Month CD	Loss of all interest earned
6-Month CD	Loss of 90 days’ interest
1-5–Year CD	Loss of 180 days’ interest

Penalties

Under the certificate agreement, you agree not to withdraw the principal during the certificate term. A withdraw of principal, prior to maturity, will result in a monetary penalty be charged. The penalty applies regardless of the amount of interest earned, and could be more than the interest earned, depending on the length of the investment.

**Note: Penalty may be waived upon the account holder’s death or incompetency (legal documents required).

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