CURRENT INTEREST RATES
Effective
Subject to change without notice

CERTIFICATES OF DEPOSIT

CD SPECIALS

IRA CERTIFICATE OF DEPOSIT**
Term	Minimum Deposit	RATE	APY

**Each IRA depositor is insured to $250,000 by the Federal Deposit Insurance Corporation.

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CHECKING AND SAVINGS
Term	Minimum	RATE	APY

The standard FDIC deposit insurance amount of $250,000 per depositor is in effect through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except IRAs and other certain retirement accounts, which will remain at $250,000 per depositor. (First National Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through June 30, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.)

- **Annual Percentage Yields (APY) and rates may change after an account is opened
- Substantial penalty for early withdrawal of Certificates of Deposit
- Fees could reduce the earnings on interest bearing accounts

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