CERTIFICATES OF DEPOSIT

If you have long-term investment goals or carry a large balance in your savings account, a Certificate of Deposit (CD) might be for you. One of our highest yielding FDIC-insured investments, you can select a principal amount and term that's best for you.

Features:

• Choose an initial deposit amount under $100,000 or $100,000 and over (Jumbo CD)
• Terms range from 7 days to 5 years
• Fixed interest rate
• Minimum deposit amounts as low as $1,000
• At maturity, most CDs renew automatically for the same term at the then-current rate for that CD
• On CDs with balances of $10,000 or more, interest can be transferred to a savings account monthly or quarterly
• For current interest rates, contact First Bank's Telephone Banking Center at 800-760-BANK (2265)

*We will mail you a pre-renewal notice on any CDs that are eligible for automatic renewal. For non-renewable CDs a final maturity notice will be mailed prior to the maturity date. There are substantial penalties for early withdrawal.

*If you want to change terms (e.g. make additional deposits, change the term, revise the interest payment method or payment frequency) on a renewing First Bank CD, complete a Reinvestment Request. Simply bring your completed request into your nearest First Bank location or contact 1-800-760-BANK (2265).

To find out more about our Certificates of Deposit, call or visit the First Bank location nearest you.