MONEY MARKET**

First National Bank Money Market account providing greater earning potential with competitive interest rates

· Minimum to Open….......$100

· Minimum daily balance required for no Service Charge….......$2500

· Account not meeting balance requirements per month….......$10

· Earns interest daily and credited monthly

· Minimum collected daily balance required to earn interest….......$2500

· An excess debit fee of $5 will be charged for each withdrawal which exceeds the federal limitation of six per statement cycle*.

Annual Percentage Yield Tiers (APY)3

Less than $50,000

$50,000 - $99,999

$100,000—$249,999

$250,000 and over

SAVINGS ACCOUNT**

First Saving account providing greater earning potential with competitive interest rates.

· Minimum to Open….......$100

· Minimum daily balance required for no service charge….......$100

· Not meeting balance requirements per statement cycle….......$5

· Minimum collected daily balance required to earn interest….......$100

· Each withdrawal or debit in excess of six ( 6) per quarter….......$5

CERTIFICATES OF DEPOSIT & IRA

• Minimum to Open: $500.00
• Interest can be credited to another account, paid by check or added back to account balance.
• Interest can be paid monthly, quarterly, semi-annually or annually.
• Withdrawals may be subject to penalties.

Terms available:

• 30 days
• 90 days
• 180 days
• 12 months
• 18 months
• 24 months
• 36 months
• 48 months
• 60 months

** Federal regulations limit the number of withdrawals and/or transfers that may be made from a money market/savings account by telephone/PC transfer, pre-authorized transfer, check or debit card. You are limited to six withdrawals and/or transfers from your account each month or statement cycle by pre-authorized transfer, or telephone/PC transfer and if the account permits transfer by check or debit card.

*Interest is subject to change based on market conditions