Welcome to First National Bank of Pontotoc

Rates Effective as of 04/22/2013
Rates are subject to change after account is opened

Deposit Account Rates
Account Type	Annual Percentage Yield - APY	Interest Rate
xxFirst Fund	0.10%	0.10%
xxFirst Fund 2nd tier under $2500.00	0.10%	0.10%
xxRegular Savings	0.10%	0.10%
xxKids Club Savings	0.10%	0.10%
xxChristmas Club Savings	0.15%	0.15%
xxChoice 55	0.10%	0.10%
xxPERSONAL PLUS	0.10%	0.10%
xxNOW Account Business	0.10%	0.10%
xxSuper NOW Account $100,000.00-over	0.10%	0.10%
xxSuper NOW Account $50,000.00-$99,999.99	0.10%	0.10%
xxSuper NOW Account $10,000.00-$49,999.99	0.10%	0.10%
xxNOW Account Personal	0.10%	0.10%
xx1st Premier Money Market $10,000.00-$49,999.99	0.10%	0.10%
xx1st Premier Money Market $50,000.00-$99,999.99	0.15%	0.15%
xx1st Premier Money Market $100,000.00-over	0.20%	0.20%
*MAX REWARD Balances less than $30,000 if qualifications met	1.00%	1.00%
*Max 2nd tier $30,000 and over if qualifications are met	0.15%	0.15%
*Max 3rd tier If qualifications are not met	0.05%	0.05%
*Click on deposit products link to view qualifications.
xx Click on deposit products tab to review minimum balance requirements. Fees may reduce earnings.

Effective as of 02/26/2013

Certificate of Deposit Rates(with a minimum balance of $1000.00) A penalty may be applied for early withdrawal.
Term	APY	RATE
REGULAR


7 Days	0.05%	0.05%
30 Days	0.10%	0.10%
90 Days	0.10%	0.10%
182 Days	0.20%	0.20%
12 Months	0.40%	0.40%
18 Months	0.40%	0.40%
24 Months	0.50%	0.50%
30 Months	0.50%	0.50%
36 Months	0.65%	0.65%
48 Months	0.75%	0.75%
60 Months	1.00%	1.00%
PRIME
7 Days
30 Days
90 Days
182 Days
12 Months
18 Months
24 Months
30 Months
36 Months
48 Months
60 Months
JUMBO
7 Days
30 Days
90 Days
182 Days
12 Months

IRA Certificate Rates (with a minimum balance of $1000.00)
Term	APY	Rate
6 Month	0.20%	0.20%
12 Month	0.40%	0.40%
18 Month	0.40%	0.40%
24 Month	0.50%	0.50%
30 Month	0.50%	0.50%
36 Month	0.65%	0.65%
48 Month	0.75%	0.75%
60 Month	1.00%	1.00%
*Convenience	.30%	.30%
Preferred	.25%	.25%
A penalty may be applied for early withdrawal
*	$50.00 minimum deposit required

Rates