Farmers Bank

Account Type	Minimum Deposit to Open Account and to Obtain APY	Interest Rate	Annual Percentage Yield (APY)
Interest-Bearing Checking Accounts* Great Rates, plus unlimited transactions with no penalty!
Premium SuperNow	$100,000+	.85%	.85%
	$50,000-$99,999	.70%	.70%
	$25,000-$49,999	.55%	.55%
	$10,000-$24,999	.40%	.40%
	$1,000-$9,999	.10%	.10%
Unlimited check-writing with no penalty!
Premium MoneyMarket	$100,000+	1.20%	1.21%
	$75,000-$99,999	1.00%	1.00%
	$50,000-$74,999	.85%	.85%
	$25,000-$49,999	.65%	.65%
	$10,000-$24,999	.35%	.35%
	$1,000-$9,999	.15%	.15%
*Fees could reduce earnings on these accounts. There is a $10 service charge if the balance falls below $1,000. SuperNow and MoneyMarket are variable rates and are subject to change at Farmers Bank's discretion. See further disclosures regarding variable rates below. Product and rate offerings are designed for the local Farmers Bank area. If you have any questions, please contact one of our Customer Service Representatives.

Account Type	Minimum Deposit to Open Account and to Obtain APY	Interest Rate	Annual Percentage Yield (APY)
Saver Friendly!		.70%	.70%
A regular saving account that earns CD rates! Make automatic transfers to Saver Friendly from a Farmers Bank checking account. You will receive the same rate as a time deposit - without tying up your money! Interest rate/APY only available with monthly automatic transfer; rate changes to .25% with no automatic transfer. No service charge unless there is no activity for more than 365 days. Rates on the Saver Friendly account are variable and subject to change without notice at the bank’s discretion. Product and rate offerings are designed for the local Farmers Bank area. If you have any questions, please contact one of our Customer Service Representatives.
Farmers Bank Weekly Specials Starting on July 27, 2010 thru August 2, 2010
Account Type	Minimum Deposit to Open Account and to Obtain APY	Interest Rate	Annual Percentage Yield (APY)
Certificate of Deposit Specials
18 Month SPECIAL	$10,000	1.34%	1.34%
27 Month SPECIAL	$10,000	1.89%	1.90%
60 Month SPECIAL	$10,000	2.72%	2.75%
3 Year Rate Jumper	$10,000	1.74%	1.75%
5 Year Rate Jumper	$10,000	2.33%	2.35%
$10,000 minimum deposit is required to open a CD SPECIAL and maintain the APY.* Product and rate offerings are designed for the local Farmers Bank area. If you have any questions, please contact one of our Customer Service Representatives.
Choose Your Term You may choose your term on all new Certificates of Deposits. Select any date up to 3 months before or 3 months after the original maturity date!
IRA Specials
1-2 Years	$10,000	1.34%	1.34%
2-3 Years	$10,000	1.89%	1.90%
3 Years+	$10,000	2.67%	2.70%
$10,000.00 minimum required to maintain APY.* Product and rate offerings are designed for the local Farmers Bank area. If you have any questions, please contact one of our Customer Service Representatives.

Account Type	Minimum Deposit to Open Account and to Obtain APY	Interest Rate	Annual Percentage Yield (APY)
Regular Certificates of Deposit
Less Than 6 Months	$2,500	.35%	.35%
6-11 Months	$2,500	.50%	.50%
12-23 Months	$2,500	.85%	.85%
24-35 Months	$2,500	1.35%	1.35%
36-47 Months	$2,500	1.74%	1.75%
48-59 Months	$2,500	2.08%	2.10%
60 Months Or More	$2,500	2.72%	2.75%
*APY is Annual Percentage Yield. Substantial penalty for early withdrawal. Availability of products and rates subject to change daily. Product and rate offerings are designed for the local Farmers Bank area. If you have any questions, please contact one of our Customer Service Representatives.