| CHECKING ACCOUNTS |
VEHICLE LOANS |
| * Blue Ribbon Checking |
* New & Used Car, Truck, Van |
| * Freedom Classic Checking |
* Recreational Vehicle |
| * First Choice Student Checking |
* Boat & Motorcycle Loans |
| * AOD Gold Checking |
* On The Spot Dealer Loans |
| * Plus Checking |
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| SAVINGS ACCOUNTS |
SHARE CERTIFICATES |
| * Regular Share (Savings) |
* Maturities up to 60 Months |
| * Individual Retirement Accounts |
* Dividends deposited monthly to savings |
| * Christmas Club Accounts |
* IRA Offerings |
| * Kids Club |
* Outstanding Rates |
| |
| VISA CHECK CARD |
MORTGAGE LOANS |
| * Worldwide Acceptance |
* Home Equity Lines of Credit |
| * Convenient & Secure |
* Fixed & Variable Rate First Mortgage |
| * Accepted at 1000's of ATM's |
* Investment Property Loans |
| * Payments Deducted from Checking |
* Second Mortgage Loans |
| * AOD's Most Popular Checking Product |
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