CERTIFICATE OF DEPOSITS (CD'S) / INDIVIDUAL RETIREMENT ACCOUNTS (IRA'S)

• $1,000.00 minimum deposit to open this account
• Personal or Business
• Competitive interest rates
• Full range of terms from one month to five years
• See our Interest Rate section for Interest Rates and Term
• Interest Compounded Daily
• Penalty for early withdrawal as follows:
  • 1 - 3 Months – all accrued interest
  • 6 – 12 Months – 3 months interest
  • Greater than 12 Months – 6 months interest

Our interest rates and annual percentage yield information is available to you by contacting American Trust Bank at 678-338-2265 or via www.americantrustbank.us.

Interest rates are subject to change prior to renewal without prior notice during the ten (10) day grace period.

If the Certificate is not renewed interest earned during the ten (10) day grace period will be forfeited.

If the Certificate is renewed interest earned during the ten (10) day grace period will be credited to the Certificate for the new term.