First National Bank of Illinois

Certificate of Deposit*		Minimum⁽⁴⁾	Interest Rate	APY
Interest Rates: Effective As Of August 31, 2010
	7 Day⁽¹⁾	$2,500	.05	.05
	31 Day⁽¹⁾	$2,500	.05	.05
	91 Day⁽¹⁾	$2,500	.12	.12
	182 Day⁽¹⁾	$2,500	.60	.60
	12 Month⁽²⁾	$1,000	.75	.75
	18 Month⁽²⁾	$1,000	.95	.95
	30 Month⁽²⁾	$1,000	1.64	1.65
	48 Month⁽²⁾	$1,000	2.13	2.15
	60 Month⁽²⁾	$1,000	2.53	2.55
*Certificates less than $100,000
Individual Retirement Accounts		Minimum⁽⁴⁾	Interest Rate	APY
	6 Month⁽²⁾	$1,000	.60	.61
	12 Month⁽²⁾	$1,000	.75	.76
	18 Month⁽²⁾	$1,000	.95	.97
	30 Month⁽²⁾	$1,000	1.64	1.67
	48 Month⁽²⁾	$1,000	2.13	2.18
	60 Month⁽²⁾	$1,000	2.53	2.59
	18 Month Variable IRA^(2,3)**	$100	.85	.85
	18 Month Variable IRA^{(2,3)*** (EFFECTIVE 9/1/2010)}	$100	.80	.80



Checking Accounts		Minimum⁽⁴⁾	Interest Rate	APY
	Tiered Money Market^(3,5)	0 up to $ 10,000	0.40	0.40
	(Minimum to open 2,500)	Greater than $10,000 up to $25,000	0.50	0.50
		Greater than $25,000 up to $50,000	0.60	0.60
		Greater than $50,000 up to $100,000	0.70	0.70
		Greater than $100,000 and up to $250,000	0.80	0.80
		Greater than $250,000	0.90	0.90

	First Preferred Checking⁽⁵⁾	$2,500	0.40	0.40
	First Interest Checking⁽⁵⁾	$800	0.20	0.20
	First Choice Checking⁽⁵⁾	$0	0.20	0.20

Savings Accounts		Minimum⁽⁴⁾	Interest Rate	APY
	Passbook Savings⁽²⁾
	Adult	$200	0.40	0.40
	Minor	$25	0.40	0.40
	Statement Savings⁽²⁾
	Adult	$200	0.40	0.40
	Minor	$25	0.40	0.40
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 A substantial penalty is assessed on funds withdrawn prior to maturity on all time deposit accounts.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 August 31, 2010