The First National Bank And Trust Company

Personal Banking

Checking Accounts Rates

Rates and yields are effective as of Friday, January 2, 2009

Account	Minimum Balance to Obtain Annual Percentage Yield*	Interest Rate	Annual Percentage Yield
Gold Checking	$0 to $2,499	0.10 %	0.10 %
Gold Checking	$2,500 & over	0.15 %	0.15 %
Gold 50	$0 to $2,499	0.10 %	0.10 %
Gold 50	$2,500 & over	0.15 %	0.15 %
Gold 50 Plus	$0 to $2,499	0.10 %	0.10 %
Gold 50 Plus	$2,500 & over	0.15 %	0.15 %
Interest Checking	$0 to $999	0.10 %	0.10 %
Interest Checking	$1,000 & over	0.15 %	0.15 %
Money Market Deposit Account	$0 to $9,999	0.70 %	0.70 %
	$10,000 to $24,999	1.00 %	1.00 %
	$25,000 to $49,999	1.25 %	1.26 %
	$50,000 to $99,999	1.45 %	1.46 %
	$100,000 to $199,999	1.55 %	1.56 %
	$200,000 & over	1.75 %	1.76 %

Account Terms

The following account terms apply to all accounts in this category unless otherwise marked:

Determination of Rate: At our discretion, we may change the interest rate on your account.

Frequency of Rate Changes: We may change the interest rate on your account at any time.

Interest will be calculated on the daily balance method. This method applies a daily periodic rate to the principal in the account each day.

Interest is credited monthly to your account.

Minimum balances must be maintained to avoid maintenance fees.

Interest begins to accrue no later than the business day you deposit non-cash items (i.e., checks).

A minimum deposit of $1 is required to open these accounts.

Effect of Closing an Account: Accrued but uncredited interest under $1 will not be paid.

Fees could reduce earnings.

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