First National Bank of Midland

Deposit Rate Sheet

June 30, 2008

Checking/Savings Account Rates

This Rate chart contains information about interest rates and annual percentage yields for some of the accounts we offer.

Account Product Name

Minimum Opening Deposit

Minimum Balance to Obtain Annual Percentage Yield

Interest Rate

Annual Percentage Yield

Gold Eagle Club Account b

$100.00

$0.01c

0.25%

0.25%

First Interest Checking b

$100.00

$0.01c

0.25%

0.25%

Platinum Checking b

$50,000.00

$50,000.00c

 

  

$50,000.00 to 99,999.99

    

0.25%

0.25%

$100,000.00 and up

    

1.25%

1.26%

IOLTA (Interest on Lawyers' Trust Accounts) b

$0.01

$0.01c

2.55%

2.58%

First Regular Savings b

$100.00

$0.01c

0.50%

0.50%

First Student Savings b

$25.00

$0.01c

0.50%

0.50%

First Money Market Account b

$100.00

$100.00c

0.75%

0.75%

First Money Market Index Account b

$15,000.00

$100.00c

    

$100.00 to 14,999.99

    

0.25%

0.25%

15,000.00 to 99,999.99

    

0.75%

0.75%

$100,000.00 and up

    

1.25%

1.26%

First Money Market IRA b

$100.00

$0.01c

0.75%

0.75%

First Business Savings b

$100.00

$0.01c

0.50%

0.50%

First Business Money Market Index Account b

  

$100.00c

 

 

$100.00 to $14999.99

    

0.25%

0.25%

15,00.00 to 99,999.99

    

0.75%

0.75%

100,000.00 and up

    

1.25%

1.26%

Certificate of Deposit Rates

Account Product

Minimum Opening Deposit

Min. Bal. to Obtain Annual Percentage Yield

Interest Rate

Annual Percentage Yield

30 to 59 days CDa

$500.00

$500.00c

 

  

Up to $99,999.99

    

2.00%

2.02%

$100,000.00 and up

    

2.00%

2.02%

60 to 89 days CDa

$500.00

$500.00c

    

Up to $99,999.99

    

2.00%

2.02%

$100,000.00 and up

    

2.00%

2.02%

90 to 179 days CDa

$500.00

$500.00c

Up to $99,999.99

    

3.00%

3.03%

$100,000.00 and up

    

3.00%

3.03%

180 to 364 days CDa

$500.00

$500.00c

    

Up to $99,999.99

    

3.10%

3.12%

$100,000.00 and up

    

3.10%

3.12%

12 to 17 Months CDa

$500.00

$500.00c

    

Up to $99,999.99

 

  

3.20%

3.25%

$100,000.00 and up

 

  

3.20%

3.25%

18 to 23 Months CDa

$500.00

$500.00c

  

 

Up to $99,999.99

    

3.25%

3.30%

$100,000.00 and up

    

3.25%

3.30%

24 Months CDa

$500.00

$500.00c

    

Up to $99,999.99

    

3.25%

3.30%

$100,000.00 and up

    

3.25%

3.30%
24 Months Bump CD        

Up to $99,999.99

    

3.20%

3.25%

$100,000.00 and up

    

3.20%

3.25%

30 Months CDa

$500.00

$500.00c

    

Up to $99,999.99

    

3.25%

3.30%

$100,000.00 and up

    

3.25%

3.30%

36 Months CDa

$500.00

$500.00c

    

Up to $99,999.99

    

3.75%

3.82%

$100,000.00 and up

    

3.75%

3.82%

48 Months CDa

$500.00

$500.00c

    

Up to $99,999.99

    

4.00%

4.07%

$100,000.00 and up

    

4.00%

4.07%

60 Months CDa

$500.00

$500.00c

    

Up to $99,999.99

 

  

4.25%

4.33%

$100,000.00 and up

  

 

4.25%

4.33%

IRA Certificate of Deposit Rates

Account Product

Minimum Opening Deposit

Min. Bal. To Obtain Annual Percentage Yield

Interest Rate

Annual Percentage Yield

180 to 364 days IRA CDa

$500.00

$500.00c

 

  

Up to $99,999.99

 

 

3.10%

3.12%

$100,000.00 and up

 

 

3.10%

3.12%

12 to 23 Month IRA CDa

$500.00

$500.00c

  

 

Up to $99,999.99

 

 

3.25%

3.30%

$100,000.00 and up

 

 

3.25%

3.30%

24 Month IRA CDa

$500.00

$500.00c

 

 

Up to $99,999.99

 

 

3.20%

3.25%

$100,000.00 and up

    

3.20%

3.25%
24 Month Bump IRA CDa        

Up to $99,999.99

    

3.20%

3.25%

$100,000.00 and up

 

 

3.20%

3.25%

a) A penalty will be imposed for early withdrawal.
b) The interest rate and annual percentage yield may change after account opening.
c) Daily balance. The amount of the principal in the account each day

Fees could reduce the earnings on the account. For current rate information call (432) 686-0044