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Account Type	Product	Min. Opening	Int. Rate	APY
Interest Checking	NOW Account	50.00	0.10	0.10
Interest Checking	Money Market	50.00	0.45	0.45
Interest Checking	T-Bill Money Market	50,000.00	0.40	0.40
Savings	Regular Savings	50.00	0.50	0.50
Savings	Minor Savings	25.00	0.50	0.50
Savings	Christmas Club Savings	10.00	0.00	0.00
Savings	Business Savings	50.00	0.50	0.50
Time Deposits	90 Day	1,000.00	0.05	0.05
Time Deposits	Six (6) Months	1,000.00	0.75	0.75
Time Deposits	Twelve (12) Months	1,000.00	1.60	1.61
Time Deposits	Eighteen (18) Months	1,000.00	1.65	1.66
Time Deposits	Twenty-Four (24) Months	1,000.00	1.75	1.76
Time Deposits	Thirty (30) Months	1,000.00	2.05	2.07
Time Deposits	Thirty-Six (36) Months	1,000.00	2.00	2.02
Time Deposits	Forty-Eight (48) Months	1,000.00	2.50	2.53
Time Deposits	Sixty (60) Months	1,000.00	3.15	3.20

*APY = Annual Percentage Yield
Rates are effective as of January 25, 2010(subject to change without notice). Fees could reduce earnings. For information on variable rate products or any other products not listed, please contact us.

Florida Citizens Bank is participating in the FDIC's Transaction Account Guarantee Program (TAG). Under that program, through December 31, 2010, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

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