Rates

FIRST NATIONAL BANK OF FRIEND
PO Box 198
Friend, NE 68359

RATE SHEET

Member of the Federal Deposit Insurance Corporation

*Rate-Interest Rate *APY-Annual Percentage Yield
Today’s Interest Rate

_______________________                           Rate(s)*               APY(s)*
Super Now Checking                             0.40%                   0.40%
*This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.

_______________________                           Rate(s)*               APY(s)*
Passbook Savings                                   0.45%                   0.45%
*This is a variable rate account; the rate(s) and APY(s) may change after the account is opened.

________________________                          Rate(s)*               APY(s)*
Money Market Savings                          0.55%                   0.55%
*This is a variable rate account; the rate(s) and APY(s) may change after the account is opened. You must maintain a minimum average daily balance of $2,500.00 to obtain the disclosed annual percentage yield.

Product Name                           Term Length Min.                 Opening Deposit
Six (6) Month
Certificate of Deposit               6 month(s)                              $500.00
_______________                            Rate(s)*                                   APY(s)*
_______________                            4.50%                                       4.55%
*A penalty may be imposed for early withdrawal.

Product Name                          Term Length Min.                  Opening Deposit
Twelve (12) Month
Certificate of Deposit              12 month(s)                             $500.00
________________                          Rate(s)*                                    APY(s)*
________________                          4.50%                                        4.55%
*A penalty may be imposed for early withdrawal.

Product Name                          Term Length Min.                  Opening Deposit
Eighteen (18) Months
Certificate of Deposit              18 month(s)                             $500.00
_______________                            Rate(s)*                                    APY(s)*
_______________                            4.75%                                        4.81%
*A penalty may be imposed for early withdrawal.

Product Name                           Term Length Min.                 Opening Deposit
Two Year (24 Months)
Certificate of Deposit               24 month(s)                            $500.00
_______________                            Rate(s)*                                   APY(s)*
_______________                             4.25%                                       4.30%
*A penalty may be imposed for early withdrawal.

Product Name                            Term Length Min.                Opening Deposit
Three Year (36 Months)
Certificate of Deposit                36 month(s)                           $500.00
_______________                             Rate(s)*                                   APY(s)*
_______________                              4.25%                                      4.30%
*A penalty may be imposed for early withdrawal.

Product Name                            Term Length Min.                Opening Deposit
Four Year (48 Months)
Certificate of Deposit                48 month(s)                           $500.00
_______________                             Rate(s)*                                  APY(s)*
_______________                              4.25%                                      4.30%
*A penalty may be imposed for early withdrawal.