Rates

Rates as of February 7, 2012.

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

ProductInterest RateAPY*
1 Month0.10%0.10%
3 Months0.15%0.15%
6 Months0.47%0.47%
12 Months0.62%0.62%
18 Months0.62%

Renewal Only

0.62%

Renewal Only

24 Months0.83%0.83%
30 Months0.77%

Renewal Only

0.77%

Renewal Only

36 Months1.00%1.00%
48 Months1.13%1.14%
Variable Open End (IRA Only)0.65%0.65%

Certificate of Deposit Specials

($5,000 Minimum Deposit)

ProductInterest RateAPY*
15 Months0.72%0.72%

Checking Rates

ProductInterest RateAPY*
Super Plus Checking (NOW)0.10%0.10%
Hi –Fi Money Market0.20%0.20%
Rewards Checking0.10%0.10%
E-Free Checking0.15%0.15%

Passport Checking (NOW)

AmountInterest RateAPY*
0 to $2,499.000.00%0.00%
$2,500 to $24,999.990.10%0.10%
$25,000 to $49,999.990.10%0.10%
$50,000 to $74,999.990.15%0.15%
$75,000 plus0.20%0.20%

First Choice Money Market

AmountInterest RateAPY*
$2,500 to $9,999.990.10%0.10%
$10,000 to $24,999.990.25%0.25%
$25,000 to $49,999.990.50%0.50%
$50,000 plus0.55%0.55%

Savings Rates

ProductInterest RateAPY*
Statement Savings0.20%0.20%
Christmas Club1.50%1.50%
Piggy Bank Savings0.20%0.20%
Key Health Savings0.20%0.20%

Investors Choice Savings

AmountInterest RateAPY*
0 to $4,999.990.00%0.00%
$5,000 to $24,999.990.20%0.20%
$25,000 to $74,999.990.25%0.25%
$75,000 to $124,999.990.35%0.35%
$125,000 to $199,999.990.40%0.40%
$200,000 plus0.40%0.40%

*Annual Percentage Yield

*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.