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RATES

First National Bank & Trust Rates
Annual Percentage Yield as of 4/1/2014
Term & Minimum Deposit to open Interest Rate Annual Percentage Yield**
31 Day CD (1,000.00) .05 .05
91 Day CD (1,000.00) .05 .05
182 Day CD (1,000.00) .20 .20
15 Month CD (1,000.00) .30 .30
18 Month CD (1,000.00) .35 .35
30 Month CD (1,000.00) .50 .50
1 Year CD (1,000.00) .30 .30
2 Year CD (1,000.00) .50 .50
3 Year CD (1,000.00) .60 .60
4 Year CD (1,000.00) .60 .60
5 Year CD (1,000.00) 1.00 1.00
FNB Jump Start CD (250.00) .30 .30
FNB MMA (2,000.00) .25 .25
FNB NOW (2,000.00) .20 .20
e-Access Checking (50.00) - daily balances up to 25,000 1.00 1.01
e-Access Checking (50.00) - daily balances 25,000 and above .25 .25
Statement Savings (50.00) .25 .25
2013 Christmas Club .75 .75

$1,000 initial deposit and balance requirement.  Excludes IRA CDs.

All Certificates of Deposit eligible for IRA investments.
A penalty may be imposed for early withdrawals on CDs.
*Rate is based on the New York prime rate as published in the Wall Street Journal
and may fluctuate based on market conditions.
**APY's on 1 year or greater term CD's assume quarterly compounding.
Rates are subject to change.
Fees may reduce earnings.