DEPOSIT INTEREST RATES

Checking Accounts

Account Name                             
Minimum Opening
Deposit
Interest Rate
Annual Percentage
Yield
First NOW



Daily balances of:


Up to $2,499.99 $1,000.00 .75% .75%
$2,500.00-4,999.99 $1,000.00 1.00% 1.00%
$5,000.00 and up $1,000.00 1.24% 1.25%
The interest rate and annual percentage yield may change after account opening.
The minimum balance required to obtain the APY is $1,000.




Prime 55 GOLD



All balances $5,000.00 1.49% 1.50%
The interest rate and annual percentage yield may change after account opening.
The minimum balance required to obtain APY is $5,000.00


Savings Accounts

Account Name                             
Minimum Opening
Deposit
Interest Rate
Annual Percentage
Yield
Statement Savings



All balances $25.00 1.00% 1.00%
The interest rate and annual percentage yield may change after account opening.




Christmas Club



All balances $10.00 1.00% 1.00%


Certificates of Deposit
Account Name                             
Minimum Opening
Deposit
Interest Rate
Annual Percentage
Yield
3-Month Certificate of Deposit*



All balances $1,000.00 1.74% 1.75%
The minimum balance required to obtain the APY is $1,000.




6-Month Certificate of Deposit*



All balances $1,000.00 1.99% 2.00%
The minimum balance required to obtain the APY is $1,000.




12-Month Certificate of Deposit*



All balances $1,000.00 2.73% 2.75%
The minimum balance required to obtain the APY is $1,000.




24-Month Certificate of Deposit*



All balances $1,000.00 3.22% 3.25%
The minimum balance required to obtain the APY is $1,000.




36-Month Certificate of Deposit*



All balances $1,000.00 3.47% 3.50%
The minimum balance required to obtain the APY is $1,000.




48-Month Certificate of Deposit*



All balances $1,000.00 3.72% 3.76%
The minimum balance required to obtain the APY is $1,000.

* A penalty may be imposed for early withdrawal.
Fees could reduce the earnings on the account.
Interest Rates and Annual Percentage Yields are current as of March 19, 2008
For current rate information call (502) 732-4406




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First National Bank of Carrollton, Kentucky