Individual Retirement Account

Term: 36 month = APY: 2.17%
Minimum Deposit: $2,500

Certificate of Deposit

Term: 5 Year = APY: 3.00%
Minimum Deposit: $50,000

Certificate of Deposit
with Checking Account

Term: 5 Year = APY: 3.50%
Minimum Deposit: $50,000

Rates are subject to change without notice.
Early Withdrawal Penalties May Apply.
APY = Annual Percentage Yield

Sign up for e-Statements, and have your deposit account statements delivered to you online. It’s safe, secure and free.

Your decision to opt into e-Statement delivery saves us mailing expenses, too! To thank you, we’ll be sending you a complimentary booklet of 10 First Class U.S. Postage Stamps when you enroll. Simplify your life. Sign up for e-Statements. Act soon. Offer expires 3/31/2010.

Visit our FAQ’s for answers to your e-Statement questions. Click here for enrollment instructions.

• Direct
Deposit is the safest way for you to receive your money

• It
is the easiest and most convenient way to access your money

• You
will have more control over your money and your time because it is predictable and dependable

• Direct
Deposit eliminates the risk of stolen checks and reduces fraud

• It’s
fast and it’s free

Simplify your life. Log into www.godirect.org and enroll today!

“More and more people are turning to community banks because they have seen throughout the economic crisis that we are good stewards of our depositors’ money. They’ve seen that in good times and in bad, community bankers make common-sense loans. We stick to the same sound lending principles we always have and only make a loan if it makes sense for the customer,” said David Conrad, President and CEO of The Citizens National Bank. “People also like knowing that their money is being reinvested in their community instead of creating greater profits for some large faceless bank on Wall Street.”

With so many choices available, The Citizens National Bank issued a checklist to inform consumers of the advantages in choosing a community bank.

Community bank advantages include:

• Quality
service. Community banks focus on the needs of local families, small businesses and farmers.

• Local
deposits. Community banks lend in the community where their depositors live and work, keeping local communities vibrant and growing.

• Expertise.
Because community banks are themselves small businesses, they understand the needs of small-business owners. Their core concern is lending to small businesses and farms. In fact, community banks make almost half of all small business loans in cities and towns throughout America.

• Responsive.
Community banks offer nimble decision-making on loans, because decisions are made locally. And community bank decision-makers are accessible to their customers in person.

• Trust.
Because their success depends on establishing long-term relationships, community banks always look out for the best interests of their customers. They work hard to deliver only the financial services and loans their customers truly need and want. Many community banks are willing to consider character, family history and discretionary spending in making loans.

• Civic
loyalty. Community bank officers are typically deeply involved in making their local communities better places to live.

“The community banking industry has been the bright spot in this economy,” The Citizens National Bank said. “We have long differentiated ourselves by the quality of our customer service and our strong local ties. And we’ve become more sophisticated in the services we can offer, including remote deposit capture and mobile banking, to match the larger banks. But the bottom line for us is relationships with people, not just transactions and numbers. The best way for consumers and small business owners to learn about community banks is to visit their local bank and talk with their banker.”

The Citizens National Bank also offers these tips to remember before switching banks.

• Make
sure all outstanding checks have cleared before you close your old checking account.

• Open
an account at your new bank before you leave your old bank.

• Do
not close the old bank account until you are sure any direct deposits or automatic bill payments have transferred to the new account.

For more information on what to look for in a bank, visit FDIC Bankfind .

To find a community bank near you, visit ICBA’s Community Bank Locator . And to learn more about community banks, go to ICBA.org.

The Citizens National Bank is a well capitalized, strong-performing institution with high quality assets in its loan portfolio. We are confident that our company is well positioned to work through the challenges of this difficult economic period. In our opinion, it is clearly in the best interests of our shareholders to continue with our strong, conservative capital management plan, without resorting to the inclusion of government capital."

David L. Conrad, President and Chief Executive Officer