First National Bank and Trust

First National Bank & Trust Rates
Term & Minimum Deposit	**Minimum Balance to Obtain APY*	Interest Rate	Annual Percentage Yield
31 Day CD (1,000.00)	1,000.00	.30	.30
91 Day CD (1,000.00)	1,000.00	1.70	1.71
182 Day CD (1,000.00)	1,000.00	2.50	2.52
15 Month CD (5,000.00)	5,000.00	2.65	2.68
18 Month CD (1,000.00)	1,000.00	2.75	2.78
30 Month CD (1,000.00)	1,000.00	3.05	3.09
1 Year CD (1,000.00)	1,000.00	2.65	2.68
2 Year CD (1,000.00)	1,000.00	3.05	3.08
3 Year CD (1,000.00)	1,000.00	3.05	3.08
4 Year CD (1,000.00)	1,000.00	3.05	3.08
5 Year CD (1,000.00)	1,000.00	3.05	3.08
*FNB Prime Rate Variable MMA (50,000.00)	50,000.00	1.25	1.26
*FNB Prime Rate Variable MMA (10,000.00	10,000.00	.60	.61
FNB MMA (10.00)	0	.60	.61
FNB NOW (10.00)	0	.50	.51
E-Access Checking	0	1.25	1.26
Statement Savings (10.00)	0	.75	.76
Statement Savings (100,000.00)	100,000.00	1.60	1.61
All Certificates of Deposit eligible for IRA investments. Rates negotiable for Certificates of Deposit $100,000.00 or more A penalty may be imposed for early withdrawals on CDs *APY's on 1 year or greater term CD's assume quarterly compounding.* Rate is based on the New York prime rate as published in the Wall Street Journal and may fluctuate based on market conditions. *Daily balance (the amount of principle in account each day). Rates are subject to change. Fees may reduce earnings.

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