Personal Certificates of Deposit

In today's changing markets, a CD from FirstBank & Trust is the best way to let your money work for you with total peace of mind. As a member of the FDIC, all of our CDs are insured by the FDIC for up to $250,000. And as a member of the CDARS program, we can offer you up to $50 Million in FDIC coverage. Just another reason why FirstBank & Trust is the only bank you'll ever need! We offer three different products that are designed to meet your needs.

Features	Safe & Sound CD	EZ Access CD	Flex Rate CD
30 days - 5 year terms
12 months
18 months
Make up to 4 free withdrawals**
Insured for up to $250,000*
Flexible rates ***
Add funds throughout term of CD
Additional notes	Minimum opening deposit of $1,000 required. Substantial penalty for early withdrawal. The interest will be compounded and credited to your account quarterly. Fees may reduce earnings on the account. Other restrictions may apply.	Minimum opening deposit of $10,000 required. CD term is 12 months. Substantial penalty for early withdrawal. EZ Access CD customers can choose to make additional deposits to the CD in minimum amounts of $1,000. The interest will be compounded and credited to your account quarterly. Fees may reduce earnings on the account. **Four penalty-free withdrawals allowed per one year term. At 5th withdrawal, CD will be closed with a 180 day penalty on closing balance.	Minimum opening deposit of $1,000 required. Substantial penalty for early withdrawal. ***After a specified number of months, Flex-Rate CD customers can choose to voluntarily increase to current rate one time if current rate is higher.  Flex-Rate CD customers may also make additional deposits to the CD in minimum amounts of $1,000. The interest will be compounded and credited to your account quarterly. Fees may reduce earnings on the account.

Rates subject to change without notice.  APY stands for Annual Percentage Yield. The APY reflects the total amount of interest earned based on the interest rate and frequency of compounding for a 365-day period.  Interest is compounded quarterly on CDs, with maturities of six months or more. For CDs with maturities of seven (7) days to three (3) months, interest is not compounded. Interest can be paid monthly, quarterly, semiannually, annually or at maturity.  The balance on which interest is computed for a CD is determined by the daily balance. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (e.g. checks). A CD will automatically renew at maturity. You have ten (10) calendar days after the maturity date to withdraw funds without penalty. If account is closed before interest is credited, accrued interest will be paid.  Except for EZ Access CD's, you may not make withdrawals until maturity.  If you withdraw any funds before maturity, your account may be charged an early withdrawal penalty. A penalty in an amount equal to seven (7) days of interest may be assessed on maturities of thirty (30) days. A penalty in an amount equal to thirty (30) days of interest may be assessed on maturities of ninety (90) days A penalty in an amount equal to ninety (90) days interest may be assessed on maturities of six (6) months to 11 (eleven) months. A penalty in an amount of one hundred eighty (180) days of interest may be assessed on maturities of twelve (12) months or more. This early withdrawal penalty may invade principal.  *Deposits at FDIC-insured institutions are now insured up to at least $250,000 per depositor.