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Rates Effective 04/18/2006

Minimum Opening Deposit +
Minimum Balance To Obtain APY*
Interest Rate**
Annual Percentage Yield***
Advantage Money Market
$100.00
$0.01
4.60%
4.70%
Regular Money Market
$100.00
$0.01
1.39%
1.40%
Statement / Passbook Savings
$100.00
$0.01
1.00%
1.00%
Interest Checking (Personal/Business)
$100.00
$0.01
0.50%
0.50%
Escrow/Earnest Money Account
$0.00
$0.01
0.50%
0.50%


CERTIFICATES OF DEPOSIT


Regular Certificates
Minimum Balance to Open
$1,000.00
Jumbo Certificates
Minimum Balance to Open
$100,000.00
TERMS
BALANCES FROM
$1,000.00 - $99,999.99
BALANCES FROM
$100,000.00 and over
Interest
Rates
Annual
Percentage Yield***
Interest
Rates
Annual
Percentage Yield***
36 MONTHS
4.09%
4.15%
24 MONTHS
4.09%
4.15%
12 MONTHS
3.89%
3.95%
3.95%
3.95%
11 MONTHS^
3.94%
3.95%
3.94%
3.95%
7 MONTHS^
4.75%
4.75%
4.75%
4.75%
6 MONTHS
3.72%
3.75%
3.72%
3.75%
3 MONTHS
1.84%
1.85%
1.84%
1.85%
2 MONTHS
1.44%
1.45%
1.44%
1.45%
1 MONTHS
1.44%
1.45%
1.44%
1.45%
13 Month Special++
5.00%
5.00%
7 Month Special^
4.75%
4.75%
18 Month Special^^
5.15%
5.25%


Earnings Credit on Business Accounts is currently 4.51%

Call our 24 hour Bank by Phone at 866-727-5628 for current Interest rates

Important Note: This document is to be used in conjunction with other disclosure information about your accounts. Annual Percentage Yield (APY) is a percentage rate reflecting the total amount of interest paid on an account, based on the Interest rate and the frequency of compounding for a 365 day period. Additional Certificate of Deposit terms, corresponding APY's and interest rates are available upon request.

+The stated "Minimum to Open" an account may not meet the minimum balance to waive monthly service charges
*The minimum balance to obtain the APY is determined using the daily balance method. That is,in order to earn the stated rate, the balance amount indicated must be maintained each day during the Interest payment period. **All accounts listed except Certificates are variable rate accounts. As such, the Interest rate may change at any time. Fees could reduce the earnings on these accounts.
***The APY assumes that interest will remain on deposit until maturity. If interest is withdrawn prior to maturity, earnings will be reduced.
For regular Certificates with maturities of less than 1 year, interest is compounded at maturity and paid at maturity.
For regular Certificates with maturities of 1 year or longer, interest is compounded quarterly and paid quarterly and at maturity.
For all Jumbo Certificates with terms of 12 months or less, interest is compounded at maturity and paid at maturity.
For all Jumbo Certificates with terms of more than 12 months, interest is compounded annually and paid annually at maturity
For all Certificates, a substantial penalty will be applied if funds are withdrawn prior to maturity.
^CD will renew at the regular 12-month term and 12-month interest rate and APY. Substantial penalty for early withdrawal of funds. Interest is compounded and paid at maturity. All other certificate terms and conditions apply. Offer applies to new money only.
++CD will renew at the regular 12-month term and 12-month interest rate and APY. Substantial penalty for early withdrawal of funds. Interest is compounded and paid annually and at maturity. All other certificate terms and conditions apply. Offer applies to new money only.
For information on business checking accounts and rates on merchant account credit card services, click here.
^^ New money only. CD will renew at the 12-month term and the correlating 12-month interest rate and APY. $1,000 minimum deposit to open and earn APY. Interest is compounded and paid quarterly and at maturity. All other certificate terms and conditions apply. This offer is subject to change without notice.


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Copyright 2002 First Bank of Oak Park. All rights reserved.