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Exhibit 3.1
 AMENDED AND RESTATED ARTICLES OF INCORPORATION
OF
AMERICAN MUTUAL HOLDING COMPANY
 
    ARTICLE I
 NAME
  ARTICLE II
 PLACE OF BUSINESS; REGISTERED OFFICE AND AGENT
  ARTICLE III
 PERPETUAL EXISTENCE




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ARTICLE IV
 PURPOSES
  ARTICLE V
 EXEMPTION OF PRIVATE PROPERTY
  ARTICLE VI
 CAPITALIZATION
 Section 1.
  Section 2.
  Section 3.
  -2-




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Section 4.
  ARTICLE VII
 MANAGEMENT
 Section 1.
  Section 2.
  Section 3.
  -3-




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Section 4.
  ARTICLE VIII
 INDEMNIFICATION
  ARTICLE IX
 -4-




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DIRECTORS NOT PERSONALLY LIABLE
  ARTICLE X
 ADOPTION OF IOWA BUSINESS CORPORATION ACT
  ARTICLE XI
 CORPORATE SEAL
  ARTICLE XII
 TERMS OF SERIES A NON-COMULATIVE PERPETUAL PREFERRED STOCK
     -5-




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NUMBER OF
    
    
    VOTES ENTITLEDMEMBERS
    
    
    TO BE CAST ON
    
    
    VOTESDESIGNATION OF
    
    ENTITLED TO
    
    
    RESTATED
    
    
    REPRESENTED ATGROUP
    
    VOTE
    
    
    ARTICLES
    
    
    MEETINGMembers qualified
to vote
    
    
    295,126
    
    
    
    295,126
    
    
    
    101,837
  VOTING GROUP
    
    VOTES FOR
    
    
    VOTES AGAINSTMembers qualified to vote
    
    
    99,337
    
    
    
    2,500
   -6-




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20th
 American Mutual Holding CompanyBy:
    /s/ Roger K. BrooksRoger K. Brooks, Chairman, Presidentand Chief Executive Officer ATTEST:/s/ James A. Smallenberger

James A. Smallenberger, SecretarySTATE
OF IOWA
                        ))SSCOUNTY OF POLK                      )
 20th
 /s/ Juli L. AldrichNotary Public in and for said State 
 -7-




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Corporation Board of Directors September 15 Resolutions Pricing Committee September Resolutions Preferred Stock
  Pricing Committee
 -8-




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Designation Series A Preferred Stock
 Number of Shares
 -9-




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Definitions
 Business Day
 Clearing Agency
 Clearing Agency Participant
 Common Stock
 Comparable Treasury Issue
 Comparable Treasury Price
 Dividend Parity Stock
 Dividend Payment Date
 Dividend Period
 Dividend Rate per annum
 Independent Investment Banker
 -10-




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Issue Date
 Junior Stock
 Liquidation Preference
 Owner
 Parity Stock
 Person
 Reference Treasury Dealer Primary Treasury Dealer
 Reference Treasury Dealer Quotations
 Securities Exchange Act
 Series A Preferred Stock Certificate
 Treasury Rate
 -11-




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Dividends
 General
 Dividend Payment Dates, Dividend Rate, Etc.
 Business Day Convention
 Day Count Convention
 Non-Cumulative Dividends
 -12-




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Priority of Dividends
 Junior Stock. pari passu
 Parity Stock. pro rata
 Liquidation Rights
 Liquidation
 -13-




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Liquidation Preference
 Partial Payment pro rata
 Residual Distributions
 Merger, Consolidation and Sale of Assets Not Liquidation
 Redemption
 Redemption
 Partial Redemption
 -14-




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pro rata
 Notice of Redemption
 Effectiveness of Redemption pro rata
 Voting Rights
 General
 -15-




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Right to Elect Two Directors Upon Non-Payment of Dividends Dividend Parity Stock
 -16-




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Other Voting Rights
 provided however
   -17-




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provided however
      . Other Rights
 Restatement of Articles
 -18-