TERM INTEREST RATE APY
91 DAY COD 2.11 % 2.11 %
182 DAY COD 2.74 % 2.75 %
12 MO QUARTERLY COD 2.83 % 2.85 %
18 MO QUARTERLY COD 2.83 % 2.85 %
24 MO QUARTERLY COD 2.82 % 2.85 %
30 MO QUARTERLY COD 2.82 % 2.85 %
36 MO QUARTERLY COD 2.98 % 3.01 %
48 MO QUARTERLY COD 3.08 % 3.11 %
60 MO QUARTERLY COD 3.27 % 3.31 %

7 MO SPECIAL COD
(CONSUMER) $25,000 MIN REQUIRED 3.45 % 3.46 %
13 MO SPECIAL COD
(CONSUMER/COMMERCIAL)
$10,000 MIN REQUIRED 3.25 % 3.29 %

TERM INTEREST RATE APY
NOW CHECKING .50 % .50 %
FIRST SR PLUS CHECKING .50 % .50 %
REG D CHECKING 1.49 % 1.50 %
TIERED REG D CHECKING 1.39 %
1.74 %
2.13 % 1.40 %
1.75 %
2.15 %

TERM INTEREST RATE APY
REGULAR STATEMENT SAVINGS 1.24 % 1.25 %
CHRISTMAS CLUB SAVINGS 3.00 % 3.00 %
18 MO VARIABLE IRA 2.83 % 2.85 %
30 MO ROTH OR FIXED IRA 2.82 % 2.85 %

PRIME RATE 5.00% Effective 04/30/08

First Bank of Tennessee has service you can bank on!