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+	1.25%	1.26%
	$50,000-$99,999	1.00%	1.00%
	$25,000-$49,999	.75%	.75%
	$10,000-$24,999	0.50%	0.50%
	$1,000 - $9,999	0.25%	0.25%
Unlimited check-writing with no penalty!
Premium MoneyMarket	$100,000+	1.50%	1.51%
	$75,000-$99,999	1.50%	1.51%
	$50,000-$74,999	1.25%	1.26%
	$25,000-$49,999	1.00%	1.00%
	$10,000-$24,999	0.75%	0.75%
	$1,000-$9,999	0.50%	0.50%
*Fees could reduce earnings on these accounts. $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 question, 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!		1.25%	1.26%
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 .5% with no automatic transfer. No service charge unless there is no activity for more than 365 days. Rates on SaverFriendly 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 November 17, 2009 thru November 23, 2009
Account Type	Minimum Deposit to Open Account and to Obtain APY	Interest Rate	Annual Percentage Yield (APY)
Certificate of Deposit Specials
15 Month SPECIAL	$10,000	1.74%	1.75%
27 Month SPECIAL	10,000	2.23%	2.30%
60 Month SPECIAL	10,000	3.20%	3.25%
3 Year Rate Jumper	$10,000	2.33%	2.35%
5 Year Rate Jumper	$10,000	2.79%	2.82%
$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.
New! Pick Your Term on all new CDs! Choose any date up to 3 months before or 3 months after the original maturity date! Receive forty extra basis points (.40%) when you have your interest automatically deposited to your Farmers Bank checking or savings account!
IRA Specials
1-2 Years	$10,000	1.74%	1.75%
2-3 Years	$10,000	2.28%	2.30%
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	.40%	0.40%
6-11 Months	$2,500	0.65%	0.65%
12-23 Months	$2,500	1.00%	1.00%
24-35 Months	$2,500	1.54%	1.55%
36-47 Months	$2,500	1.98%	1.99%
48-59 Months	$2,500	2.22%	2.24%
60 Months Or More	$2,500	2.96%	3.00%
*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.