Certificates of Deposit

First Farmers & Merchants Bank offers the most flexible approach to investing with Certificates of Deposit with a minimum of $1,000: First Farmers offers CD's from seven days to five years.

Features:

• Depositors insured by the Federal Deposit Insurance Corporation.
• Principal may be withdrawn before maturity with an interest penalty.
• Interest may be paid to you by check or can be credited to your First Farmers checking or savings account.

Certificate of Deposit Rates

Chairman's Club members receive a higher rate of interest.
*Rates effective July 27, 2010

The minimum balance to open an account and obtain the annual percentage yield is $10,000. A penalty may be imposed for early withdrawal. Annual percentage yields are accurate as of July 27, 2010.

Please contact any Customer Service Representative for all CD terms and rates.

HealthGuard^® Certificates of Deposit

Investors whose health concerns make them hesitant to buy certificates of deposit can purchase HealthGuard^® Certificates of Deposit at First Farmers & Merchants Bank.

HealthGuard^® CD's allow investors to withdraw funds without interest penalty in the event of a medical emergency.

Features:

• Depositors are insured by the Federal Deposit Insurance Corporation.
• HealthGuard^® rates are identical to regular bank CD rates.
• The bank reserves the right to require proof of illness.
• Penalty may be imposed for withdrawals in the first six days.