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| Standard | | Account Type | Current Rate | APY* | | Statement Savings | 0.35% | 0.35% | | Money Market Index Checking-Top Tier | 2.25% | 2.27% | | Common Sense Checking-Top Tier | 1.75% | 1.76% | | IRA 18 Month Variable | 2.97% | 3.00% | | IRA 18 Month Fixed | 2.97% | 3.00% |
| Time Deposits Less Than $100,000 | | Term | Current Rate | APY | | 6 Month Certificate of Deposit | 2.67% | 2.70% | | 12 Month Certificate of Deposit | 2.97% | 3.00% | | 24 Month Certificate of Deposit | 4.20% | 4.27% | | 36 Month Certificate of Deposit | 4.30% | 4.37% |

*APY=Annual Percentage Yield
Other fees, terms and conditions apply.
Rates are subject to change without notice.
Negotiated rates available on Certificates over $100,000. Call 330.533.3341 for information.
Farmers National Bank is a wholly owned banking affiliate
of Farmers National Bank Corp. ©2000-2004 Farmers National Bank Corp. All
Rights Reserved.
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