Rates

Certificates of Deposit (CDs) and Individual Retirement Account (IRAs)

Product	Interest Rate	APY*
1 Month	0.08%	0.08%
3 Months	0.08%	0.08%
6 Months	0.19%	0.19%
12 Months	0.30%	0.30%
18 Months	0.30% Renewal Only	0.30% Renewal Only
24 Months	0.51%	0.51%
30 Months	0.51% Renewal Only	0.51% Renewal Only
36 Months	0.75%	0.75%
48 Months	1.01%	1.01%
Variable Open End (IRA Only)	0.30%	0.30%

Certificate of Deposit Specials

($5,000 Minimum Deposit)

Product	Interest Rate	APY*
9 Months	0.31%	0.31%
15 Months	0.45%	0.45%
19 Monhs	0.51%	0.51%

Checking Rates

Product	Interest Rate	APY*
Super Plus Checking (NOW)	0.03%	0.03%
Hi –Fi Checking	0.10%	0.10%
Rewards Checking	0.03%	0.03%
E-Free Checking	0.05%	0.05%

Passport Checking (NOW)

Amount	Interest Rate	APY*
0 to $2,499.00	0.00%	0.00%
$2,500 to $24,999.99	0.03%	0.03%
$25,000 to $49,999.99	0.03%	0.03%
$50,000 to $74,999.99	0.08%	0.08%
$75,000 plus	0.10%	0.10%

First Choice Checking

Amount	Interest Rate	APY*
$2,500 to $9,999.99	0.04%	0.04%
$10,000 to $24,999.99	0.12%	0.12%
$25,000 to $49,999.99	0.17%	0.17%
$50,000 plus	0.30%	0.30%

Savings Rates

Product	Interest Rate	APY*
Statement Savings	0.10%	0.10%
Christmas Club	0.15%	0.15%
Piggy Bank Savings	0.10%	0.10%
Key Health Savings	0.10%	0.10%

Investors Choice Savings

Amount	Interest Rate	APY*
0 to $4,999.99	0.00%	0.00%
$5,000 to $24,999.99	0.10%	0.10%
$25,000 to $74,999.99	0.15%	0.15%
$75,000 to $124,999.99	0.17%	0.17%
$125,000 to $199,999.99	0.22%	0.22%
$200,000 plus	0.22%	0.22%

*Rates may change after the account is opened and fees may reduce earnings.

*Note: The interest rate on all time deposits will be 25 basis points less than the current rate to customers who do not meet a combined DDA/Loan Relationship at FNBC.