Farmers National Bank Serving Northern Kentucky

FARMERS NATIONAL BANK - Deposit Products
Serving Northern Kentucky

FDIC’s Transaction Account Guarantee Program

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, Money-Market Deposit accounts and Interest on Lawyers Trust Accounts ("IOLTAs").

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

Checking/Savings

Product	Benefits	Service Charge Based on Average Balance	ATM Fee Rebates
Freedom Plus Checking	1 box free checks per year * Electronic or Truncated Statements $400 Overdraft Privilege after 30 days Free Internet Banking Free Bill Pay Unlimited FNB ATM Transactions	No Monthly Service Charge No Minimum Balance Requirement Unlimited Transactions **	Not Applicable
Select Checking	1 box free checks per year * Electronic Statements Available $700 Overdraft Privilege after 30 days Free Internet Banking Free Bill Pay Unlimited FNB ATM Transactions 4 Free Non-FNB ATM Transactions***	No Monthly Service Charge if $1,000 average balance $6.00 per month service charge if less than $1,000 average balance Unlimited Transactions **	***4 Non-FNB ATM fee rebates per statement cycle, up to $2.00 each, $8.00 max. per statement cycle.
Elite 50 Checking Option A (for those age 50 and over)	Interest Bearing 1 box free checks per year * Electronic Statements Available $900 Overdraft Privilege after 30 days Free Internet Banking Free Bill Pay Unlimited FNB ATM Transactions	No Monthly Service Charge No Minimum Balance Requirement Unlimited Transactions **	Not Applicable
Elite 50 Checking Option B (for those age 50 and over)	Interest Bearing 1 box free checks per year * Electronic Statements Available $900 Overdraft Privilege after 30 days Free Internet Banking Free Bill Pay Unlimited FNB ATM Transactions 4 Free non-FNB ATM Transactions ***	No Monthly Service Charge if $1,000 average balance $6.00 per month service charge if less than $1,000 average balance Unlimited Transactions **	***4 Non-FNB ATM fee rebates per statement cycle, up to $2.00 each, $8.00 max. per statement cycle.
ID Money Market	Index Driven tied to the 90 day treasury bill. $10,000 Minimum Deposit required to open the account.	Unlimited over-the-counter withdrawals $15.00 per month service charge if average balance is below $10,000	Not Applicable
Statement Savings Account	Savings is always convenient with over-the-counter and ATM transactions. 5 free withdrawals per month. Full-time student and minor savings accounts available.	No Monthly Service Charge or $2.00 per month if Average Balance falls below $250 (No Service Charge for students or minors)	Not Applicable
Public Funds / Organization Accounts	Interest bearing checking accounts designed specifically to meet the needs of the churches and other non-profit organizations in our community.	Unlimited checking-writing privilege No per item processing fee No average balance requirements No monthly service charge	Not Applicable

* With Direct Deposit or Electronic Statements
** Transactions include checks, DEBIT/ATM, and direct withdrawals
Other restrictions may apply. Stop by any of our convenient locations for details.

CD/IRA’s

Certificates of Deposits
Our certificates are a secure investment with easy access in an emergency.

A small investment: $500 minimum balance requirement
Various Terms: range from 91 days to 60 months
Convenience: automatic renewals at the best current rate posted by us for the same term.
Safety: deposits are insured by the Federal Deposit Insurance Corporation

IRA’s
"IRA" is an acronym for Individual Retirement Account. IRA's are often the best alternatives when saving for retirement. Most IRA's offer varying tax benefits, whether you need a traditional IRA, or a Roth IRA. Contact Us for more information. We're glad to assist you in determining the best account for you!

Save for retirement
Defer taxes
Earn tax-free interest in a Roth IRA
$50.00 minimum for an IRA savings plan
$500 minimum for an IRA certificate of deposit
FDIC insured

* October 3, 2008 FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013.

Calculators
All financial calculators are for estimation purposes only. Your actual payment may vary.

USA Patriot Act

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license and other identifying documents.