First National Bank of Illinois

Certificate of Deposit*		Minimum⁽⁴⁾	Interest Rate	APY
Interest Rates: Effective As Of DECEMBER 31, 2008
	7 Day⁽¹⁾	$2,500	.30	.30
	31 Day⁽¹⁾	$2,500	.30	.30
	91 Day⁽¹⁾	$2,500	1.10	1.10
	182 Day⁽¹⁾	$2,500	2.00	2.01
	12 Month⁽²⁾	$1,000	2.27	2.29
	18 Month⁽²⁾	$1,000	2.52	2.54
	30 Month⁽²⁾	$1,000	3.36	3.40
	48 Month⁽²⁾	$1,000	3.45	3.49
	60 Month⁽²⁾	$1,000	3.50	3.55
*Certificates less than $100,000
Individual Retirement Accounts		Minimum⁽⁴⁾	Interest Rate	APY
	6 Month⁽²⁾	$1,000	2.00	2.04
	12 Month⁽²⁾	$1,000	2.27	2.32
	18 Month⁽²⁾	$1,000	2.52	2.58
	30 Month⁽²⁾	$1,000	3.36	3.45
	48 Month⁽²⁾	$1,000	3.45	3.54
	60 Month⁽²⁾	$1,000	3.50	3.60
	18 Month Variable IRA^(2,3)**	$100	1.72	1.73
	^{**New Rate Effective 01/01/09}	$100	1.26	1.27



Checking Accounts		Minimum⁽⁴⁾	Interest Rate	APY
	Tiered Money Market^(3,5)	0 up to $ 10,000	1.30	1.31
	(Minimum to open 2,500)	Greater than $10,000 up to $25,000	1.45	1.46
		Greater than $25,000 up to $50,000	1.55	1.56
		Greater than $50,000 up to $100,000	1.68	1.69
		Greater than $100,000 and up to $250,000	1.85	1.87
		Greater than $250,000	2.00	2.02

	First Preferred Checking⁽⁵⁾	$2,500	1.00	1.00
	First Interest Checking⁽⁵⁾	$800	.30	.30
	First Choice Checking⁽⁵⁾	$0	.30	.30

Savings Accounts		Minimum⁽⁴⁾	Interest Rate	APY
	Passbook Savings⁽²⁾
	Adult	$200	.50	.50
	Minor	$25	.50	.50
	Statement Savings⁽²⁾
	Adult	$200	.50	.50
	Minor	$25	.50	.50
APY = Annual Percentage Yield ⁽¹⁾Annual yield assumes compounding at maturity. ⁽²⁾Annual yield assumes quarterly compounding. ⁽³⁾Rates may change after the account is open. ⁽⁴⁾Minimum opening balance and minimum balance to obtain APY. ⁽⁵⁾Annual yield assumes monthly compounding. A substantial penalty is assessed on funds withdrawn prior to maturity on all time deposit accounts. Fees may reduce earnings on account.

Member FDIC Equal Housing Lender

Interest Rates: Effective As Of DECEMBER 31, 2008