The First National Bank of Ogden

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582-BANK (2265)

Transaction Account Rates Effective as of May 20, 2013
Type and Tier	Minimum to Open	Rate*	APY**
NOW Account	$500.00	0.08%	0.08%
Public NOW
--- $0 - $4,999.99	$500.00	0.05%	0.05%
--- $5,000.00 - $24,999.99	$500.00	0.10%	0.10%
--- $25,000.00 or more	$500.00	0.15%	0.15%
Advantage Checking	$2,500.00	0.15%	0.15%
* Rate = Interest Rate ** APY = Annual Percentage Yield; NOW and Advantage accounts are compounded monthly. Fees may reduce earnings. Rates and fees are subject to change at the bank's discretion and may change after the account has been opened.

Savings Account Rates Effective as of May 20, 2013
Type and Tier	Minimum to Open	Rate*	APY**
Statement Savings¹	$100.00	0.10%	0.10%
Christmas Club	$5.00	0.20%	0.20%
--- w/Recurring Transfer	$5.00	0.35%	0.35%
Vacation Club	$5.00	0.20%	0.20%
--- w/Recurring Transfer	$5.00	0.35%	0.35%



Freedom Savings	$0	0.15%	0.15%

Freedom Money Mkt
--- Tier 1: $0 - $19,999.00	$2500	0.10%	0.10%
--- Tier 2:$20,000 & over	$2500	0.15%	0.15%
* Rate = Interest Rate ** APY = Annual Percentage Yield; Assumes quarterly compounding and the interest remains on deposit. ¹ No minimum balance is required on Young Americans below the age of 23. Fees may reduce earnings. Rates are subject to change at the bank's discretion and may change after the account has been opened.

Certificates of Deposit Rates Effective as of May 20, 2013
Term	Minimum to Open	Rate*	APY**
3 Month¹	$1,000.00	0.15%	0.15%
6 Month¹	$1,000.00	0.20%	0.20%
9 Month'	$1,000.00	0.25%	0.25%
12 Month	$1,000.00	0.35%	0.35%
15 Month¹	$1,000.00	0.40%	0.40%
18 Month¹	$1,000.00	0.40%	0.40%
24 Month¹	$1,000.00	0.55%	0.55%
30 Month¹	$1,000.00	0.65%	0.65%
36 Month	$1,000.00	0.75%	0.75%
48 Month	$1,000.00	1.00%	1.00%
60 Month	$1,000.00	1.25%	1.26%
* Rate = Interest Rate ** APY = Annual Percentage Yield; Assumes quarterly compounding and the interest remains on deposit. ¹ Hometown Club members receive a 0.05% bonus to the Interest Rate and APY listed above. Penalty for early withdrawal. Rates are subject to change at the bank's discretion.

Individual Retirement Account Rates Effective as of May 20, 2013
Type	Minimum to Open	Rate*	APY**
Traditional IRA fixed	$500.00	0.45%	0.45%
Traditional IRA variable	$500.00	0.55%	0.55%
Roth IRA fixed	$500.00	0.45%	0.45%
Roth IRA variable	$500.00	0.55%	0.55%
Educational IRA fixed	$500.00	0.45%	0.45%
Educational IRA variable	$500.00	0.55%	0.55%
* Rate = Interest Rate ** APY = Annual Percentage Yield Penalty for early withdrawal. Rates are subject to change at the bank's discretion.

The First National Bank of Ogden is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

Logos for FNB Ogden branches, Royal Bank and St. Joseph First

	The First National Bank of Ogden • 102 S. East Avenue • P. O. Box 47 • Ogden, IL 61859 • Ph: 217.582.2175 • Fax: 217.582.2176
	St. Joseph First • 220 E. Grand • P. O. Box 198 • St. Joseph, IL 61873 • Ph: 217.469.8866 • Fax: 217.469.8917
	Royal Bank • 102 N. Park • P. O. Box 10 • Royal, IL 61871 • Ph: 217.583.3101 • Fax: 217.583.3102

Member FDIC

THE FIRST NATIONAL BANK OF OGDEN

Equal Housing Lender

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