RATE SHEET

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					                                                     RATE SHEET
                                          Effective: November 17, 2009
Certificates of Deposit
A minimum opening deposit and minimum daily balance of $10,000.00 is required to obtain the disclosed annual percentage
yield. The term shown below, along with each applicable corresponding interest rate and annual percentage yield, will apply to
IRA CDs with a minimum opening deposit of $4,000.00.


                   Account Term                       Interest Rate                Annual Percentage Yield
                     6 Mo CD                                1.49%                               1.50%
                     9 Mo CD                               1.59%                                1.60%
                     12 Mo CD                              1.73%                                1.75%
                     18 Mo CD                              1.79%                                1.80%
                     24 Mo CD                              1.88%                                1.90%
                     30 Mo CD                             1.985%                                2.00%
                     36 Mo CD                              2.48%                                2.50%
                     48 Mo CD                              2.96%                                3.00%
                     60 Mo CD                             3.595%                                3.65%

    The annual percentage yield assumes interest remains on deposit until maturity. A withdrawal will reduce earnings.
    Certificates of Deposit are fixed rate accounts. Upon opening you will be paid the offered rate until the maturity date of
    the certificate. If the certificate is automatically renewed, it will be renewed at the interest rate on the date of maturity. A
    penalty could be imposed for early withdrawal. Fees could reduce earnings. Call or visit for complete details, terms and
    conditions.


Transaction & Savings Accounts
                                 Minimum                Minimum Balance*                                   Annual
           Account                                                                     Interest
                                 Deposit                 to Obtain Annual                                Percentage
            Type                                                                        Rate**
                             to Open Account            Percentage Yield                                    Yield
             NOW                 $1,000.00                   $1,000.00                   .50%                .50%
                                                             $2,500.00                   .798%                .80%
            Money                                           $25,000.00                   .946%                .95%
                                 $2,500.00
            Market                                          $50,000.00                  1.045%               1.05%
                                                            $100,000.00                 1.445%               1.45%
           Savings                 $500.00                     $500.00                   .74%                 .75%
            IRA
                                   $500.00                     $500.00                   .74%                 .75%
           Savings
    * Daily balance (the amount of principal in the account each day)
    ** Rates are subject to change without notice except where required by law.
    A penalty could be imposed for early withdrawal. Fees could reduce earnings. Call or visit for complete details, terms
    and conditions.

      Merritt Island 321.452.0011                  Longwood 407.830.4404                   Port Richey 727.868.0484

                  Check out our most current rates at www.FidelityBankofFlorida.com