Important Information about Your Account

Electronic Transfers
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Funds Availability
Truth-in-Savings
Other Fees / Services

TERMS AND CONDITIONS OF YOUR ACCOUNT AGREEMENT

EffectIVE Date – [Feb 7, 2009]

This Agreement, along with any other documents we give you pertaining to your account(s), is a contract that establishes rules which control your account(s) with us, as well as our relationship with any other owners or signers on the account(s). Please read this carefully and retain a copy for your records. If you sign the signature card or open or continue to have your account with us, you agree to these rules. Our deposit relationship with you is that of debtor and creditor, and neither this Agreement nor our deposit relationship create any fiduciary, quasi-fiduciary or special relationship. You will receive a separate schedule of rates, qualifying balances, and fees if they are not included in this Agreement. If you have any questions, please call us.

Your account(s) with us and this Agreement are subject to applicable federal laws and, to the extent applicable and not otherwise preempted by federal law, the laws of the state of Illinois (except to the extent that this Agreement can and does vary such laws). The body of state and federal law that governs our relationship with you, however, is too large and complex to be reproduced here. The purpose of this Agreement is to:

Summarize some laws that apply to common transactions, account maintenance and usage;
Establish rules to cover transactions or events which the law does not regulate;
Establish rules for certain transactions or events which the law regulates but permits variation by agreement; and
Give you disclosures of some of our policies to which you may be entitled or in which you may be interested.

If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. We may permit some variations from our standard agreement, but we must agree to any variation in writing either on the signature card for your account or in some other document.

As used in this Agreement the words "we," "our," and "us" mean the American Home Bank, a federal savings bank (and, as appropriate, its affiliates), and the words "you" and "your" mean the account holder(s) and anyone else with the authority to deposit, withdraw, or exercise control over the funds in the account. The headings in this Agreement are for convenience or reference only and will not govern the interpretation of the provisions. Unless it would be inconsistent to do so, words and phrases used in this Agreement should be construed so the singular includes the plural and the plural includes the singular.

LIABILITY - You agree, for yourself (and the person or entity you represent if you sign as a representative of another) to the terms of this Agreement, the Disclosures, and the Other Services/Fees Services as it may be amended herein or as provided under separate cover (“Fee Schedule”). You authorize us to deduct these charges consistent with this Agreement and the Fees Schedule directly from the account balance as accrued. Additionally, you will pay any additional reasonable charges for services you request which are not covered by this Agreement or the Fee Schedule.

Whether or not such fees are reflected in this Agreement or the Fee Schedule, some business accounts may be charged a Federal Deposit Insurance Corporation assessment based on the rate charged to us by the Federal Deposit Insurance Corporation. Such assessment may include deposit insurance charges, financial corporation bond interest and other charges provided by law.

If the account is a joint account, each of you also agrees to be jointly and severally (individually) liable for any account shortage resulting from charges or overdrafts, whether caused by you or another with access to this account. This liability is due immediately, and can be deducted directly from the account balance whether or not sufficient funds are available. You have no right to defer payment of this liability, and you are liable regardless of whether you signed the item or benefited from the charge or overdraft. This includes liability for our costs to collect the deficit including, to the extent permitted by law, our reasonable attorneys' fees.

CONTROLLING TERMS - If there is a conflict between information stated in any of our agreements or documents (including this Agreement) and something said by one or more of our employees, we will adhere to the written information. We may refuse to follow any instructions from you that we believe will expose us to potential liability under law or regulations. We may require adequate security to protect us from any potential loss and expense or actual loss and expense incurred in following any instructions from you.

WAIVER - We may, in our sole discretion, waive any of rules set forth in this Agreement. However, such waiver will only apply to that occasion and will not bind us in the future.

NOTICES AND CHANGE OF ADDRESS - Any notice that you want to provide to us should be in writing and signed with the same signature that we have on file for you. You may deliver such notice in person or by mail.

The following terms apply to notices relating to your account. You must mail, or deliver during normal business hours all notices that are requested by this Agreement or by law to us at the branch or office that holds your account and any other address we specify. If you have multiple accounts or services, you may have to send notices to more than one branch or office address. You agree that the terms and conditions of this Agreement, including without limitation all rates, fees, and charges set forth in the Fee Schedule, may be periodically amended by us. We will notify you of amendments as required by applicable law or this Agreement. We may include notices with your account statements and may post notices online or at any of our branches or offices.

Mail addressed to you at the address shown in our records shall be deemed properly addressed and effective three business days after mailing. Your continued use of the account also evidences your agreement to any amendment. It is your responsibility to notify us of any change in your address or name. With respect to joint accounts, notice from us to any one of you is notice to all of you.

DEPOSITS - We will give only provisional credit until collection is final for any items, other than cash, we accept for deposit (including items drawn "on us". Actual credit for deposits of, or payable in, foreign currency will be at the exchange rate in effect on final collection in U.S. dollars. We are not responsible for transactions by mail or outside depository until we actually record them. We will treat and record all transactions received after our “daily cutoff time” on a normal business day (defined as Monday through Friday, 9 am to 5 pm, excluding holidays as defined by the Federal Reserve Bank), or received on a day we are not open for business, as if initiated on the next business day that we are open. We reserve the right to charge back your account for any item returned to us unpaid. If an item is returned to us unpaid due to an unauthorized endorsement or alteration, we may place a hold on your account until we make final determination as to that claim.

DIRECT DEPOSITS - If, in connection with a direct deposit plan, we deposit any amount in an account which should have been returned to the Federal or State Government for any reason, you authorize us to deduct the amount of our liability to the Federal or State Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability. We do not charge for direct deposits to any type of account.

WITHDRAWALS - Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs in the space designated for signatures on the signature card may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each other person signing the signature card to endorse any item payable to you or your order for deposit to this account or any other transaction with us. We may charge your account for a check even though payment was made before the date of the check (a.k.a. “postdating”). We may refuse any withdrawal or transfer request which you attempt on forms not approved by us, by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. Even if we honor a nonconforming request, we may treat continued abuse of the stated limitations (if any) as your act of closing the account. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. The fact that we may honor withdrawal requests that overdraw the available account balance does not obligate us to do so later. See the funds availability policy disclosure for information about when you can withdraw funds you deposit. For those accounts for which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. We may refuse a withdrawal request if we have received a court order or if the law prohibits withdrawal, if there is a dispute concerning the account, if the account owner owes us money that is due and payable, if the account is security for a debt or if a problem occurs with our equipment.

We may require 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Federal Reserve Board Regulation D. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to penalty. See your notice of penalty for early withdrawal. Certain cash withdrawals may be subject to Bank Secrecy Act reporting provisions. We may take as much time as necessary to determine the validity of any withdrawal request or order to pay and identify the person presenting it.

WRITING CHECKS AND POST-DATED CHECKS – You agree not to write postdated checks (a check that is dated in the future) on your account. We can assume that all checks presented are payable on demand and we will not be liable to you for paying a postdated check prior to its date. If you provide your account number and our routing number to someone for the purchase of goods or services and they use that information to withdraw funds from your account, we will deem that withdrawal authorized by you. If you authorize someone else to withdraw funds from your account, by check or otherwise, we will not be liable to you for paying these withdrawals even if the amount of any withdrawal or number of withdrawals exceeds your authorization.

STALE DATED CHECKS – We are not obligated to, but may, in our sole discretion, pay a check, other than a certified check, presented for payment more than six months after its date. If you do not want us to pay a stale-dated check, you must place a stop-payment order on the check in the manner we have described elsewhere in this Agreement.

PAYMENT ORDER OF ITEMS - The law permits us to pay items (such as checks or drafts) drawn on your account in any order. To assist you in handling your account with us, we are providing you with the following information regarding how we process the items that you write. When processing items drawn on your account, our policy is to pay them according to the dollar amount. We pay high items first and low items last. The order in which items are paid is important if there is not enough money in your account to pay all of the items that may result in an overdraft or NSF fee. If an item is present without sufficient funds in your account to pay it, we may, in our sole discretion, pay the item (creating an overdraft) or return the item as NSF. A fee will be assessed for each day your account remains overdrawn, this charge is in addition to any insufficient or unavailable funds fees assessed. The amounts of the overdraft and NSF fees are disclosed in this Agreement or separately in the Fee Schedule. We encourage you to maintain careful records and practice good account management. This will help you to avoid writing checks or drafts without sufficient funds and incurring the resulting fees.

OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds. We may determine ownership of accounts from information in our records and may rely on information you give us. Changes you ask us to make to your account are not effective until we have had reasonable time to act on your instructions. Ownership of an account cannot be changed by will.

Individual Account - is an account in the name of one person.
Joint Account - With Survivorship (And Not As Tenants In Common) - is an account in the name of two or more persons. Each of you intend that when you die the balance in the account (subject to any previous pledge to which we have agreed) will belong to the survivor(s). If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common.
Joint Account - No Survivorship (As Tenants In Common) - is owned by two or more persons, but none of you intend (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the "number of signatures" necessary for withdrawal.
Revocable Trust or Pay-On-Death Account - Pay-On-Death accounts may be created only if the account is owned by one person. Revocable Trust accounts may be created as accounts with one or more owners. If two or more of you create a Revocable Trust account, you own the account jointly with survivorship. Beneficiaries of either of these account types cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of the owner(s) of the account, such beneficiaries will own this account in equal shares, without right of survivorship. The person(s) creating either a Pay-On-Death or Revocable Trust account reserves the right to: (1) change beneficiaries, (2) change account types, and (3) withdraw all or part of the account funds at any time.

BUSINESS ACCOUNTS - Earnings in the form of interest, dividends, or credits will be paid only on collected funds, unless otherwise provided by law or our policy. We may require the governing body of the legal entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf. We will honor the authorization until we actually receive written notice of a change from the governing body of the legal entity.

STOP PAYMENTS - You must make any stop-payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. To be effective, your stop-payment order must precisely identify the number, date and amount of the item, and the payee. We may, in our sole discretion, honor any payment that does not meet the exact information set forth in your stop payment order.

You may stop payment on any item drawn on your account whether you sign the item or not, if you have an equal or greater right to withdraw from this account than the person who signed the item. A release of the stop-payment request may be made only by the person who initiated the stop-payment order.

Our stop-payment cutoff time is one hour after the opening of the next banking day after the banking day on which we receive the item. Additional limitations on our obligation to stop payment are provided by law (e.g., we paid the item in cash or we certified the item). You may only stop payment on a cashiers check if it has been lost, stolen or destroyed. Stop payments take effect when imposed on your account and are in effect for six months. There will be a service charge for every stop payment request received, consistent with the Fee Schedule.

TELEPHONE TRANSFERS - A telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. Unless a different limitation is disclosed in writing, we restrict the number of transfers from a money market deposit account or savings account to another account or to third parties, to a maximum of six per statement cycle (less the number of "preauthorized transfers" during the statement cycle). Other account transfer restrictions may be described elsewhere in this Agreement or other materials provided to you in reference to your account.

AMENDMENTS - We may change any term of this Agreement or the Fee Schedule. If a change will reduce the annual percentage yield on your account or adversely affect you, we will generally give you notice before the effective date of the change. This notice requirement does not apply to a charge in the interest rate and annual percentage yield on variable rate accounts. Any such notification will be effective if mailed to the address of the account in our records. You agree to provide us a current address to which all correspondence will be addressed. If any notice is returned to us as undeliverable, the changes described in that notice are still binding on you. When there is any other change to the information disclosed in this Agreement, we may post a notice online or in our branches or we may notify you by mail.

If you disagree with any change to this Agreement, whether subject to specific notice or not, you may terminate your account. If you continue to use the account, however, you accept and agree to the change. The current version of this Agreement, as it may be amended from time to time, supersedes all prior versions.

TERMINATION – You may close your account at any time by notifying us in writing during normal business hours and by no longer using your account, provided the funds on deposit are not being held as a result of legal action or uncollected deposited checks. If the account is a time deposit account, there may be a penalty for withdrawals made prior to the maturity date.

We may terminate this Agreement and close your account at any time by giving you notice a reasonable time before the effective date of such termination and closure. Notwithstanding the foregoing, you agree that we may close your account without advance notice under certain circumstances such as, for example, we believe in good faith that your account is being used to facilitate a fraud or other crime. Regardless of the manner in which an account is closed and by whom, account closing will not affect your obligations under this Agreement even if we allow any transactions to be completed after the account has been closed and this Agreement has been terminated. You will remain responsible for any fees you incur on your account and any outstanding items and overdrafts. If you close your account during a statement period, you may not receive interest that has accrued but has not been credited, if any.

STATEMENTS -You must examine your statement of account with " reasonable promptness." If you discover (or reasonably should have discovered) any unauthorized signatures or alterations, you must promptly notify us of the relevant facts. As between you and us, if you fail to do either of these duties, you will have to either share the loss with us, or bear the loss entirely yourself (depending on whether we used ordinary care and, if not, whether we substantially contributed to the loss). The loss could be not only with respect to items on the statement but other items with unauthorized signatures or alterations by the same wrongdoer.

You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 30 days from when the statement is first sent or made available to you. You further agree that if you fail to report any unauthorized signatures, alterations, forgeries, or any other errors in your account within 60 days of when we first send or make the statement available, you cannot assert a claim against us on any items in that statement, and as between you and us the loss will be entirely yours. This 60-day limitation is without regard to whether we used ordinary care.

For accounts with American Home Online Banking access, online statements are available for up to 12 months of account activity. For all other accounts, monthly hard copy (paper) statements are available. American Home Online Banking customers may also choose to have statements mailed each month. There may be a charge of $5.00 to have hard copy (paper) statements mailed each month, depending on the type of account. There is no charge for online statements, if you are an American Home Online Banking customer. Please refer to Truth-In-Savings disclosure for the types of statements available and the charges on your account.

ACCOUNT TRANSFER - This account may not be transferred or assigned without our prior written consent.

TEMPORARY ACCOUNT AGREEMENT - If this option is permitted in our soul discretion, this Agreement is a temporary account agreement. This means that all account owners have not yet signed the signature card or that some other account opening requirement has not been completed. We may give you a duplicate signature card so that you can obtain all of the necessary signatures and return it to us. Each person who signs in the space designated for signatures on the signature card (except as indicated to the contrary) may transact business on this account. However, we may at some time in the future restrict or prohibit further use of this account if you fail to comply with the requirements we have imposed within a reasonable time.

SET OFF - We may (without prior notice and when permitted by law) set off the funds in this account against any due and payable debt you owe us now or in the future, including overdrafts, by any of you having the right of withdrawal, to the extent of such persons' or legal entity's right to withdraw. If the debt arises from a note, " any due and payable debt " includes the total amount of which we are entitled to demand payment under the terms of the note at the time we set off, including any balance the due date for which we properly accelerate under the note.

This right of setoff does not apply to this account if: (a) it is an IRA or other tax-deferred retirement account, or (b) the debt is created by a consumer credit transaction under a credit card plan (but this does not affect our rights under any consensual security interest), or (c) the debtor's right of withdrawal only arises in a representative capacity, (d) it is a tenant security account, or (e) it is any other account exempted by law. We will not be liable for the dishonor of any check when the dishonor occurs because we set off a debt against this account. You agree to hold us harmless from any claim arising as a result of our exercise of our right of set off.

LEGAL CLAIMS – If you or your account become involved in a legal proceeding, access to the account may be restricted, and we will impose a fee for responding to legal orders. In the event of a dispute over access to or ownership of your account, we may choose not to act until we receive a court order, indemnification acceptable to us, or a release acceptable to us signed by all parties to the dispute. We may deduct from your account any expenses (including attorneys’ fees) which we incur as a result of such proceeding or dispute.

ATTORNEYS’ FEES – We may recover attorney fees and expenses (including appeal fees) from you in connection with any account litigation or attempts to collect overdrafts or any matter arising out of the operation of your account.

AUTHORIZED SIGNER (Individual Accounts only) - A single individual is the owner. The authorized signer is merely designated by you to conduct transactions on your behalf. We undertake no obligation to monitor transactions by an authorized signer to determine that they are on your behalf.

RESTRICTIVE LEGENDS - We are not required to honor any restrictive legend on checks you write unless we have agreed in writing to the restriction. Examples of restrictive legends are "must be presented within 90 days" or "not valid for more than $1,000.00."

USE OF STAMP OR FACSIMILE SIGNATURE – - If you use a stamp or other device to imprint a facsimile of an authorized signature on a check or any other debit form, you are fully responsible for the use of the stamp or device and for payments made by us in reliance upon the presence of the facsimile signature on any item presented for payment. If you fax any document to us signed, you agree that it was your intention that: (a) your fax signature is an electronic signature under applicable federal and state law; (b) the fax be an original document; (c) you intend on conducting business with us by electronic records and electronic signatures, and (d) your consent be electronically given under applicable federal and state law.

ACH AND WIRE TRANSFERS - This Agreement is subject to Article 4A of the Uniform Commercial Code - Fund Transfers as adopted in the state in which you have your account with us. If you originate a fund transfer for which Fedwire is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. You agree to be bound by automated clearing house association rules. These rules provide, among other things that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403 (a) of the Uniform Commercial Code. If we receive a credit to an account you have with us by wire or ACH, we are not required to give you any notice of the payment order or credit. You also authorize us to convert your check to an electronic funds transfer or an imaged replacement document, and you agree that such imaged replacement document shall have the same validity as the original check.

PRIVACY

CONFIDENTIALITY

Information about your account is private. Our management and staff are concerned about and respect your privacy. We will not release account information unless requested to by an account owner or a legal representative of an account owner or under certain other circumstances permitted by law or regulation. If we receive an order for such information from a court or an authorized government agency, we will comply by releasing account information.

Please refer to our separate "Privacy Statement" for additional information.

THE U.S.A. PATRIOT ACT – To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions, including us, to obtain, verify and record information that identifies each person who opens an account or creates a new customer relationship with us. Accordingly, when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Consistent with the U.S.A. Patriot Act, we reserve the right to refuse to open an account for you or provide service to you if we are unable to adequately identify you or verify your identity.

ACCOUNT VERIFICATION AND CREDIT REPORTING – We may make any inquiries that we consider appropriate to determine if we should open and maintain your account. This may include obtaining information from financial institutions or other third parties about your checking or savings accounts or a credit report on you, any other signer on the account, or your business. If we, in our sole discretion, decline to open an account or provide any services based on the credit information we receive we will, if required by law, provide you with the name and address of the company that provided the information.

If you do not satisfactorily maintain your account, or if we close your account for any reason including, without limitation, insufficient funds activity, fraud or attempted fraud, this may be reported to a credit reporting agency. Information we report may include your name, address, taxpayer identification number, and the date and reason the account was closed. A credit reporting agency may supply this information to others. An adverse report to a credit agency may affect your ability to open another deposit account at other financial institutions.

CREDIT REPORTS – We may request credit history, employment history and background verification on you (or any other authorized signers of your account) at the time of account opening, from time to time when your account is open and as a result of any subsequent event which may create liability for us (i.e., overdrawn balance, affidavit of forgery, undeliverable mail, etc.).

FRAUD DETECTION AND DETERRENCE; SAFEGUARDING YOUR ACCOUNT – There are several precautions that you can and should take to decrease the risk of unauthorized transactions from your account. Such precautions include, but are not limited to:

1. 1. Calling us immediately at (888) AHBank9 (888-242-2659) or 312-706-0700 if you suspect problems with your account or unauthorized activity, or your account materials, such as checkbooks, unused checks, credit cards or ATM cards are lost, stolen or misplaced;

2. 2. Safeguarding and not disclosing to third parties (i) information about your account, such as your account numbers and personal identification numbers; (ii) information which can be used to access your account including, such as your checkbook, blank or unused checks, electronic access devices and any passwords or other access-related information; and (iii) facsimile signature devices, if any;

3. 3. Reviewing carefully your statements and account balance for unauthorized activity;

4. 4. Closing your account immediately upon discovery of any known or suspected unauthorized activity;

5. 5. Recognizing that wireless and cellular telephone calls are more susceptible to unauthorized access and interception, limiting your telephone transactions with us to landline telephones;

6. 6. Drafting written checks in a manner that limits or avoids the potential for alteration or forgery (recommended precautions include (i) using dark, permanent ink; (ii) confirming that the numeric and written amounts match and are readable; and (iii) ensuring that there are no blank spaces in the check)

We may also issue certain recommendation or precautions or make certain products or services available to you in our efforts to detect and deter fraud. While no precautions, products or services can be assumed to be completely effective in this regard, you are expected to make all efforts designed to detect and deter fraud against your account. If you fail to follow these and other precautions that are reasonable for, and applicable to, your particular account and circumstances or fail to implement any products or services made available to you by us, you will be precluded from asserting any claim against us for payment of an unauthorized or fraudulent item if such fraud would have likely been detected or deterred had you followed the precaution or used the product or service. We will not re-credit your account or otherwise have any liability for such unauthorized or fraudulent items.

ADVERSE CLAIMS – In response to notice of any adverse claim to you regarding your account or the funds in your account (including but not limited to any notice concerning any claim by you of forged, unauthorized, or missing endorsement or drawer’s signature, or alteration on, or any other claim of improper deposit or cashing by you of any checks or other items) we may, in our sole discretion, refuse to pay out any money from your account or charge any of your accounts in the amount of the claim and may hold this amount in a separate or commingled account pending resolution of the claim and may act as otherwise permitted by law. If we decide to charge your account, we will notify you in a timely manner. As permitted by law, we may exchange information with others concerning any adverse claim made.

SUBACCOUNT ORGANIZATION (Checking and NOW Accounts only) – We have organized your account in a nontraditional way. Your account consists of two subaccounts. One of these accounts is a transaction subaccount (e.g., a checking subaccount). You will transact business in this subaccount. The other subaccount is a nontransaction subaccount (e.g., a savings account). You cannot directly access the nontransaction subaccount, but you agree that we may automatically, and without a specific request from you, initiate individual transfers between subaccounts from time to time at no cost to you. This account organization will not change the amount of federal deposit insurance available to you, your available balances, the information on your periodic statements, or the interest calculation, if this is an interest-bearing account. You will not see any difference between the way your account operates and the way a traditionally organized account operates, but this organization makes us more efficient and helps to keep costs down.

IMPORTANT INFORMATION ABOUT YOUR ACCOUNT – SUBSTITUTE CHECKS AND YOUR RIGHTS

WHAT IS A SUBSTITUTE CHECK - To make check processing faster, federal law permits banks to replace original checks with “substitute checks”. These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of the substitute check states: “This is a legal copy of your check. You can use it the same way you would use the original check”. You may use a substitute check as proof of payment just like the original check.

Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to the original check.

WHAT ARE MY RIGHTS REGARDING SUBSTITUTE CHECKS - In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you thing that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).

The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.

If you use this procedure, you may receive up to 100% of your refund (plus interest if your account earns inters) within 10 business days after we received your claim.

We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account.

HOW DO I MAKE A CLAIM FOR A REFUND - If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at:

American Home Bank

Attn: Deposit Operations

220 West Huron Street

Chicago, IL 60654

You must contact us within 30 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.

Your claim must include:

A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect),
An estimate of the amount of your loss,
An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss, and
A copy of the substitute check.

ELECTRONIC FUND TRANSFERS – YOUR RIGHTS AND RESPONSIBILITIES

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.

Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s).

Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s).

American Home Bank Customer Service Center Telephone Transfers. You may access your account by telephone 24 hours a day at 866-234-7636 using your personal identification number, a touch tone phone, and your account numbers(s), to:

Transfer funds from checking to checking
Transfer funds from checking to savings
Transfer funds from savings to checking
Transfer funds from savings to savings
Transfer funds from line of credit to checking
Transfer funds from line of credit to savings
Make payments from checking to loan accounts with us
Make payments from savings to loan accounts with us
Get information about:
The account balance of checking accounts
The last 10 deposits to checking accounts
The last 10 withdrawals from checking accounts
The account balance of savings accounts
The last 10 deposits to savings accounts
The last 10 withdrawals from savings accounts

ATM Transfers - types of transfers, dollar limitations, and charges. You may access your account(s) by ATM using your ATM Card and personal identification number or VISA® Debit Card and personal identification number, to:

Get cash withdrawals from checking or savings account(s) with an ATM card
You may withdraw no more than $500.00 per day
Get cash withdrawals from checking or savings account(s) with a Debit card
You may withdraw no more than $500.00 per day
Transfer funds from savings to checking account(s) with an ATM card
Transfer funds from savings to checking account(s) with a Debit card
Transfer funds from checking to savings account(s) with an ATM card
Transfer funds from checking to savings account(s) with a Debit card
Get information about:
The account balance of your checking accounts
With an ATM card
With a Debit card
The account balance of your savings accounts
With an ATM card
With a Debit card
Please refer to Truth-In-Savings disclosure for ATM and Debit card charges on your account.

Some of these services may not be available at all ATM terminals.

Types of VISA® Debit Card Point-of-Sale Transactions. You may access your checking account(s) to purchase goods (in person, by telephone or via the Internet), pay for services (in person, by telephone or via the Internet), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that can be done with a credit card (that a participating merchant will accept with a credit card).

Point-of-Sale Transactions - frequency and dollar limitations and charges. Using your Debit card:

You may make no more than five transactions per day
You may not exceed $2,000.00 in transactions per day
You may make no more than one cash advance per day
You may not obtain a cash advance for more than $500.00 per day
Please refer to Truth-In-Savings disclosure for Debit card charges on your account

Types of ATM Card Point-of-Sale Transactions -You may access your checking account(s) or savings account(s) to purchase goods (in person), pay for services (in person), and get cash from a merchant, if the merchant permits, or from a participating financial institution.

Point-of-Sale Transactions - frequency and dollar limitations and charges. Using your ATM card:

You may make no more than five transactions per day
You may not exceed $500.00 in transactions per day
Please refer to Truth-In-Savings disclosure for ATM card charges on your account

American Home Bank Computer Transfers - types of transfers and charges. You may access your account(s) by computer using your personal identification number, security code and your account number(s), to:

Transfer funds from checking to checking
Transfer funds from checking to savings
Transfer funds from savings to checking
Transfer funds from savings to savings
Transfer funds from line of credit to checking
Transfer funds from line of credit to savings
Make payments from checking to loan accounts with us
Make payments from checking to third parties
Make payments from savings to loan accounts with us
Get information about:
The account balance of checking accounts
The last 60 days deposits to checking accounts
The last 60 days withdrawals from checking accounts
The account balance of savings accounts
The last 60 days deposits to savings accounts
The last 60 days withdrawals from savings accounts
Please refer to Truth-In-Savings disclosure for charges on your account

FEES - We do not charge for direct deposits to any type of account. Except as indicated elsewhere, we do not charge for the above electronic fund transfers.

NOTICE REGARDING ATM FEES BY OTHERS. . If you use an automated teller machine (ATM) that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network.

TERMINAL TRANSFER DOCUMENTATION - You can get a receipt at the time you make any transfer to or from your account using one of our ATMs or point-of-sale terminals. You may not receive a receipt for some transactions under $15.

NOTICE REGARDING PREAUTHORIZED CREDITS - If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (888) AHBank9 (888-242-2659) or 312-706-0700, or access your account statement online at www.AHBank.com, or e-mail us at contactus@AHBank.com, or refer to your monthly statement to find out whether or not the deposit has been made.

STATEMENTS - For accounts with American Home Online Banking access, online statements are available for up to 12 months of account activity. For all other accounts, monthly hard copy (paper) statements are available. American Home Online Banking customers may also choose to have statements mailed each month. There may be a charge of $5.00 to have hard copy (paper) statements mailed each month, depending on the type of account. There is no charge for online statements, if you are an American Home Online Banking customer. Please refer to Truth-In-Savings disclosure for the types of statements available and the charges on your account.

STOPPING PREAUTHORIZED PAYMENTS - If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Call or write us at the telephone number or address listed in this Agreement in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing. We will charge you $25.00 for each stop-payment order you give.

NOTICE OF VARYING AMOUNTS. If regular preauthorized payments vary in amount or timing, the person you are going to pay will tell you 10 days before each payment when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)

YOUR AND OUR LIABILITY -

LIABILITY FOR FAILURE TO STOP PAYMENT OF PREAUTHORIZED TRANSFER. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

If, through no fault of ours, you do not have enough money in your account to make the transfer.
If you have an overdraft line and the transfer would go over the credit limit.
If the automated teller machine where you are making the transfer does not have enough cash.
If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
There may be other exceptions stated in our agreement with you.

UNAUTHORIZED TRANSFERS.

(a) Consumer liability. Tell us AT ONCE if you believe your card and/or code has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days, you can lose no more than $50 if someone used your card and/or code without your permission. (If you believe your card and/or code has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your card and/or code without your permission.)

If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, or made available online, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Additional Limit on Liability for Visa®-branded Card. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Visa®-branded Card. This additional limit on liability does not apply to ATM transactions, to transactions using your Personal Identification Number which are not processed by VISA®, or to commercial cards.

(b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed in this brochure.

ELECTRONIC CHECK CONVERSION -When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction.

When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution.

ERROR RESOLUTION NOTICE - In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent or made available online the FIRST statement on which the problem or error appeared.

Tell us your name and account number (if any).
Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days (5 business days for Visa®-branded Card point-of-sale transactions and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for Visa®-branded Card point-of-sale transactions and 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation.

AMERICAN HOME BANK
220 W. HURON STREET
CHICAGO, ILLINOIS 60654

Business Days: Monday through Friday, Excluding Federal Holidays

Phone: (888) AHBank9 (888-242-2659)

MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST

NOTICE OF ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS

As with all financial transactions, please exercise discretion when using an ATM or night deposit facility. For your own safety, be careful. The following suggestions may be helpful.

Prepare for your transactions at home (for instance, by filling out a deposit slip) to minimize your time at the ATM or night deposit facility.
Mark each transaction in your account record, but not while at the ATM or night deposit facility.
Always save your ATM receipts. Don't leave them at the ATM or night deposit facility because they may contain important account information
Promptly compare your records with the account statements you receive.
Don't lend your ATM or Debit card to anyone and do not leave it at the ATM or deposit facility. Treat your card as if it were cash.
Protect the secrecy of your Personal Identification Number (PIN). Don't tell anyone your PIN. Don't give anyone information regarding your ATM or Debit card or PIN over the telephone. Don't write your PIN where it can be discovered. For example, don't keep a note of your PIN in your wallet or purse.
Prevent others from seeing you enter your PIN by using your body to shield their view.
If you lose your ATM or Debit card or if it is stolen, promptly notify us at (888) AHBank9 (888-242-2659) or 312-706-0700. You should consult the other disclosures you have received about electronic fund transfers for additional information about what to do if your card is lost or stolen.
When you make a transaction, be aware of your surroundings. Look out for suspicious activity near the ATM or night deposit facility, particularly if it is after sunset. At night, be sure that the facility (including the parking area and walkways) is well lighted.
Consider having someone accompany you when you use the facility, especially after sunset. If you observe any problem, go to another ATM or night deposit facility.
Don't accept assistance from anyone you don't know when using an ATM or night deposit facility.
If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want to cancel the transaction, pocket your card and leave. You might consider using another ATM or coming back later.
Don't display your cash; pocket it as soon as the ATM transaction is completed and count the cash later when you are in the safety of your own car, home, or other secure surrounding.
At a drive-up facility, make sure all the car doors are locked and all of the windows are rolled up, except the driver's window. Keep the engine running and remain alert to your surroundings.

We want the ATM and night deposit facility to be safe and convenient for you. Therefore, please tell us if you know of any problem with a facility. For instance, let us know if a light is not working or there is any damage to a facility. Please report any suspicious activity or crimes to both the operator of the facility and the local law enforcement officials immediately. You can call us at (888) AHBank9 (888-242-2659) or 312-706-0700 or e-mail us at contactus@AHBank.com.

YOUR ABILITY TO WITHDRAW FUNDS

SAVINGS, MONEY MARKET, AND CERTIFICATED OF DEPOSIT ACCOUNTS

This policy statement applies to all Freedom Savings, Certificate of Deposit, and Money Market deposit accounts. Deposits to your account(s) may only be made by electronic direct deposit, via a wire transfer, via the mail, via an authorized ATM that accepts deposits, or in person at one of our branch locations.

Our policy is to make funds available as rapidly as possible while safeguarding customers’ accounts from fraudulent transactions. In order to safeguard your funds, you may not be able to immediately withdraw the funds from your cash, electronic, and check deposits. During the delay, you may not withdraw the funds in cash and we will not use the funds to pay checks that you have written. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

DETERMINING THE AVAILABILITY OF A DEPOSIT - In general, deposits to a savings, certificate of deposit, or money market account will be made available no later than the 5^th business day after the banking day on which we receive your deposit.

The period before your funds will be available for withdrawal is counted in business days from the day of your deposit. Every day is a business day except Saturdays, Sundays, and holidays as defined by the Federal Reserve Bank. If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after closing or on a day when we are not open, we will consider that the deposit was made on the next business day we are open.

If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited them.

SPECIAL RULES FOR NEW ACCOUNTS - For new customers, the following special rules will apply during the first thirty (30) days an account is open. During the first thirty (30) days, funds from all deposits will be generally be available on the 10^th business day after the banking day on which we receive your deposit.

CHECKING AND NOW ACCOUNTS

This policy statement applies to all Checking and Negotiable Order Withdrawal (NOW) deposit accounts. Deposits to your account(s) may only be made by electronic direct deposit, via a wire transfer, via the mail, via an authorized ATM that accepts deposits, or in person at one of our branch locations.

DETERMINING THE AVAILABILITY OF A DEPOSIT - The period before your funds are available is counted in business days from the day of your deposit. Every day is a business day except Saturdays, Sundays, and holidays as defined by the Federal Reserve Bank. If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after closing or on a day when we are not open, we will consider that the deposit was made on the next business day we are open. The length of the delay varies depending on the type of deposit and is explained below.

SAME-DAY AVAILABILITY. Funds from electronic direct deposits to your account will be available on the day we receive the deposit.

NEXT-DAY AVAILABILITY. Funds from the following deposits are available on the first business day after the day of your deposit:

U.S. Treasury checks that are payable to you
Wire transfers
Checks drawn on American Home Bank
Cash
State and local government checks that are payable to you
Cashier's, certified, and teller's checks that are payable to you
Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you

OTHER CHECK DEPOSITS. The delay for other check deposits depends on whether the check is a local or a non-local check. To see whether a check is a local or a non-local check, look at the routing number on the check:

If the first four digits of the routing number (The routing number is the series of nine numbers at the lower left-hand corner of the check) are 0710, 2710, 0711, 2711, 0712, 2712, 0719, 2719, 0750, 2750, 0759, or 2759 then the check is a local check. Otherwise, the check is a non-local check. Some checks are marked "payable through" and have a four- or nine-digit number nearby. For these checks, use the four-digit number (or the first four digits of the nine-digit number), not the routing number on the bottom of the check, to determine if these checks are local or non-local. Our policy is to make funds from local and non-local checks available as follows:

Local checks. The first $100 from a deposit of local checks will be available on the first business day after the day of your deposit. The remaining funds will be available on the second business day after the day of your deposit. For example, if you deposit a local check of $700 on a Monday, $100 of the deposit is available on Tuesday. The remaining $600 is available on Wednesday.
Non-local checks. The first $100 from a deposit of non-local checks will be available on the first business day after the day of your deposit. The remaining funds will be available on the fifth business day after the day of your deposit. For example, if you deposit a $700 non-local check on a Monday, $100 of the deposit is available on Tuesday. The remaining $600 is available on Monday of the following week.
Local and non-local checks. If you deposit both categories of checks, $100 from the checks will be available on the first business day after the day of your deposit, not $100 from each category of check.

LONGER DELAYS MAY APPLY. Funds you deposit by check may be delayed for a longer period under the following circumstances:

We believe a check you deposit will not be paid.
You deposit checks totaling more than $5,000 on any one day.
You redeposit a check that has been returned unpaid.
You have overdrawn your account repeatedly in the last six months.
There is an emergency, such as failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the tenth business day after the day of your deposit.

SPECIAL RULES FOR NEW ACCOUNTS. For new customers, the following special rules will apply during the first thirty (30) days an account is open.

Funds from electronic direct deposits to an account will be available on the date of receipt of the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's checks, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of deposit if the deposit meets certain conditions. For example, the checks must be payable to the customer. The excess over $5,000 will be available on the ninth (9th) business day after the day of deposit. If a deposit of these checks (other than a U.S. Treasury check) is not made in person to one of American Home Bank’s employees, the first $5,000 will not be available until the second business day after the day of deposit.

Funds from all other check deposits will be available on the tenth (10th) business day after the day of deposit.

DEPOSITS AT AUTOMATED TELLER MACHINES. Funds from any deposits (cash or checks) made at ATMs we do not own or operate will not be available until the fifth business day after the day of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines.

TRUTH-IN-SAVINGS DISCLOSURE

AMERICAN HOME CHECKING

Minimum balance to open the account -You must deposit $50.00 to open this account.
An excess payment fee of $.35 will be charged for each Online Bill Payment in excess of 10 during a statement cycle (available only if account is accessible via the American Home Bank Online). See American Home Bank Online Banking Agreement for details.

AMERICAN HOME FREEDOM NOW^SM

Rate Information – See rate disclosure for current interest rates and APY below.
The interest rate and APY may vary based on the location and/or method of account opening. For example, accounts opened via our website may earn a different rate than accounts opened in person or by mail. Special promotional offers may not apply to all locations or methods of account opening.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - AAt our discretion, we may change the interest rate on your account.
Compounding and crediting frequency -Interest will be compounded daily.
Interest will be credited to your account every month.
Effect of closing an account -If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account - You must deposit $50.00 to open this account.
Minimum balance to avoid imposition of fees - A minimum balance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $2,500.00 any day of the cycle.
Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method -We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits - Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
Fees: An excess payment fee of $.35 will be charged for each Online Bill Payment in excess of 10 during a statement cycle (available only if account is accessible via the American Home Bank Online). See American Home Bank Online Banking Agreement for details.
Fees may reduce earnings.

AMERICAN HOME FREEDOM SAVINGS^SM

Rate Information - See rate disclosure for current interest rates and APY below.
The interest rate and APY may vary based on the location and/or method of account opening. For example, accounts opened via our website may earn a different rate than accounts opened in person or by mail. Special promotional offers may not apply to all locations or methods of account opening
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded daily. Interest will be credited to your account every month.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account - You must deposit $50.00 to open this account.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Transaction limitations: This is an internet only account. Deposits and withdrawals can only be made via American home Banking Online. Therefore, a “home” account must be specified at the time of account opening. Transfers from a Money Market account to another account or to third parties by preauthorized or computer transfer are limited to six per statement. An excessive transfer fee of $10.00 will be charged for each transfer in excess of six during a statement cycle.

AMERICAN HOME MONEY MARKET

Rate Information - See rate disclosure for current interest rates and APY below.
The interest rate and APY may vary based on the location and/or method of account opening. For example, accounts opened via our website may earn a different rate than accounts opened in person or by mail. Special promotional offers may not apply to all locations or methods of account opening.
Frequency of rate changes - We may change the interest rate on your account at any time.
Determination of rate - At our discretion, we may change the interest rate on your account.
Compounding and crediting frequency - Interest will be compounded daily. Interest will be credited to your account every month.
Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account - You must deposit $50.00 to open this account.
Minimum balance to avoid imposition of fees - A minimum balance fee of $10.00 will be imposed every statement cycle if the balance in the account falls below $500.00 any day of the cycle.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits - Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
Transaction limitations: Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per statement cycle with no more than three by check, draft, debit card, or similar order to third parties. An excessive transfer fee of $10.00 will be charged for each transfer in excess of six during a statement cycle.
Fees may reduce earnings.

AMERICAN HOME CERTIFICATES OF DEPOSIT

This is a fixed rate account. See rate disclosure for current interest rates and APY below.
The interest rate and Annual Percentage Yield (APY) will not change for the term of the account.
In order to earn a specified APY, you must deposit a dollar amount within the range specified. Current interest rate and APY information may be obtained by calling our Customer Care Center at (888) AHBank9 or by visiting a financial center location and asking for the current Rate Sheet.

Compounding frequency - For CDs with a term of less than 1 year, interest will not be compounded. For CDs with a term of 1 year or more, interest will be compounded every day.
Crediting frequency – For CDs with a term of less than 1 year, interest will be credited to your account at maturity. For CDs with a term of 1 year or more, interest will be credited to your account every quarter.
Minimum balance to open the account -You must deposit $1,000.00 to open this account.
Minimum balance to obtain the annual percentage yield disclosed -You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on non-cash deposits - IInterest begins to accrue on the business day you deposit non-cash items (for example, checks).
Transaction limitations: You may make deposits into your account before maturity up to 50% of the original CD balance.
You can withdraw on a one-time basis up to 25% of the original CD during the term of the CD. You can withdraw interest any time during the term of crediting after it is credited to your account.
Early withdrawal penalties (a penalty may be imposed for withdrawals in excess of the one-time 25% of original CD balance before maturity) -
- If your account has an original maturity of less than one year: The fee we may impose will equal three months interest on the amount withdrawn subject to penalty.
- If your account has an original maturity of one year or more: The fee we may impose will equal six months interest on the amount withdrawn subject to penalty.
In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty.
See your plan disclosure if the account is part of an IRA or other tax qualified plan. Withdrawal of interest prior to maturity - The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Automatically renewable time account - This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity.
Each renewal term will be the same as the original term, beginning on the maturity date.
The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit.
You will have ten calendar days after maturity to withdraw the funds without a penalty.

CURRENT INTEREST RATES AND ANNUAL PERCENTAGE YIELDS
Effective Date – Feb 7, 2009

American Home Freedom Savings^SM

Daily Balance	Rate	APY*
$0.00 - $999.99	0.20%	0.20%
$1,000.00 - $49,999.99	0.20%	0.20%
$50,000.00 - $99,999.99	0.20%	0.20%
$100,000.00 - $2,499,999.99	0.20%	0.20%
$2,500,000.00 and over	0.20%	0.20%

American Home Money Market

Daily Balance	Rate	APY*
$0.00 - $999.99	0.20%	0.20%
$1,000.00 - $49,999.99	0.20%	0.20%
$50,000.00 - $99,999.99	0.20%	0.20%
$100,000.00 - $2,499,999.99	0.20%	0.20%
$2,500,000.00 and over	0.20%	0.20%

American Home Certificates of Deposit

Term	Rate	APY*
3 Months	0.20%	0.20%
6 Months	0.20%	0.20%
12 Months	0.20%	0.20%
18 Months	0.20%	0.20%
24 Months	0.20%	0.20%
30 Months	0.20%	0.20%
36 Months	0.20%	0.20%
48 Months	0.20%	0.20%
60 Months	0.20%	0.20%

American Home Traditional and Roth IRA CDs

Term	Rate	APY*
12 Months	0.20%	0.20%
18 Months	0.20%	0.20%
24 Months	0.20%	0.20%
30 Months	0.20%	0.20%
36 Months	0.20%	0.20%
48 Months	0.20%	0.20%

* APY means Annual Percentage Yield

All Interest Rates and Annual Percentage Yields (APY) are accurate as of the date shown above and subject to change without notice.

For additional information regarding our deposit accounts, click here.

OTHER SERVICES/FEES

Mail deposits - FREE, except $2.00 fee for mail-in deposit without a deposit slip.
Direct deposit - FREE
ATM deposits - FREE
American Home Bank Online banking - FREE. Must specify at time of account opening.
Debit card/POS transactions - FREE
Online transfers - FREE. Available only if account is accessible via American Home Bank Online.
Check writing capability (subject to account disclosures) - FREE (unlimited)
Check orders - First box of 50 FREE; then prices vary. We have the capability for on-line check re-orders.
Statements - If account is accessible via American Home Bank Online, $5.00 per month fee to receive paper statement, and online statements available with no fee. Online statements are available 24 hours a day, 7 days a week and include up to 12 months of account activity. For CD accounts, online account access will allow you to review your principal balance and interest posted to your account. CD notices will be mailed at maturity.
On-line Check Images - FREE. Available only if account is accessible via American Home Bank Online.
Online images available for revolving 60 days.
Checks are available online within 48 hours after check is posted.
Telephone transfers and inquiries (subject to account disclosures) - FREE
Fax statement request (over the telephone) - $1.50
ACH Items
Incoming deposits - FREE
Outgoing withdrawals - FREE
Quicken and MS Money - FREE - unlimited monthly downloads if account is accessible via American Home Bank Online
Online Bill Payment Services - See Truth-in-Savings for account details. Available only if account is accessible via American Home Bank Online.
Incoming wire transfers - FREE
Outgoing wire transfers
Domestic - $20.00
International - $40.00
Cashier's (Bank) check (over the telephone, via facsimile or via American Home Bank Online) - $10.00
Cashier's (Bank) check (in person at a branch location) - $2.00
Replacement (Lost) ATM Card - First one free, then $5.00 each
Deposited items returned unpaid - $20.00
NSF item - $35.00
Stop payment – Paper check - $25.00. If e-pay sent, but not cleared - $25.00. If e-pay pending – None.
Requires notice in writing at least 3 business days before; may issue over phone verbally at Bank's discretion, but reserve right to request in writing.
Verification of deposit - $5.00
Transfer for overdraft protection - $5.00 per transfer. Transfer in $100.00 increments.
Minimum payment auto-debited monthly from checking account
Wire transfer of CD funds at maturity - $25.00
Photocopy (of checks, etc.) - $10.00 per check (60 days of FREE revolving check archival available online, if account is accessible via American Home Bank Online)
Copies of statements - $10.00 per statement (12 months of FREE archival available online, if account is accessible via American Home Bank Online)
Garnishment, Attachments and Levies – Minimum fee is $75.00 per garnishment, attachment or levy. Customer is responsible for any charges American Home Bank incurs in complying with such legal service.
Items sent for collection - $40.00 per item
Inactivity fee (after 6 months) - $5.00 per month
Dormant account fees (after 12 months) - $5.00 per month
Account research - $50.00 per hour
Overnight delivery (e.g. Federal Express) - $25.00
Account cancellation fee (if closed within 180 days of opening) - $30.00

American Home Bank
220 West Huron Street
Chicago, Illinois 60654
Telephone: (312) 706-0700
E-Mail: contactus@AHBank.com
www.AHBank.com