The Citizens National Bank

May 18, 2012

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Rates Effective 05/17/12

Fixed Rate Mortgages*
20% Down Payment
Actual interest rates and APRs may vary based on credit history, appraised value, determination of mortgage insurance availability and mortgage program. Ask us about mortgage rate buydowns.

Loan Type Maximum Term Annual Percentage Rate Payment per $1,000 financed

10 Year Mortgage 120 Months 3.000% $9.66

15 Year Mortgage 180 Months 3.000% $6.91

20 Year Mortgage 240 Months 3.750% $5.93

30 Year Mortgage 360 Months 3.750% $4.63

*Origination fee may apply. Rates subject to change without notice.

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Home Equity Line of Credit*

Loan Type Maximum Term Annual Percentage Rate+ Payment per $1,000 Financed

First 10 Years - Interest Only 240 Months 3.25% $2.76

*For qualifying properties with loan-to-value of 80% or less, loans of $10,000 or more. Origination fee may apply.

+ Annual Percentage Rate (APR) will vary. APR may increase or decrease after consummation of loan. The maximum APR allowed by law is 18%

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Home Equity Installment Loan*
The Annual Percentage Rate (APR) remains fixed for the term of the loan

Loan Type Maximum Term Annual Percentage Rate Payment per $1,000 Financed

1-5 Years 60 Months 3.690% $18.28

5-10 Years 120 Months 4.500% $10.36

10-15 Years 180 Months 4.990% $7.90

*For qualifying properties with loan-to-value of 80% or less, loans of $5,000 or more. Origination fee of $250 on loan requests under $25,000.

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Adjustable Rate Mortgages*

Loan Type Maximum Term Annual Percentage Rate+ Payment per $1,000 Financed

1/1 ARM (1) 360 2.875% $4.15

3/1 ARM (2) 360 3.125% $4.28

5/1 ARM (3) 360 3.375% $4.42

7/1 ARM (4) 360 3.650% $4.57

* Application fee may apply.

+ Annual Percentage Rate (APR) may increase or decrease after consummation of loan.

(1) Rate adjustment will occur annually.
(2) Rate adjustment will occur annually after the fixed period of 3 years.
(3) Rate adjustment will occur annually after the fixed period of 5 years.
(4) Rate adjustment will occur annually after the fixed period of 7 years.

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Personal Installment Loan

Loan Type Maximum Term Annual Percentage Rate* Payment per $1,000 Financed

Secured Loan 60 Months as low as 7.13% $19.86

48 Months as low as 6.93% $23.91

36 Months as low as 6.73% $30.75

Unsecured Loan 60 Months as low as 8.63% $20.58

48 Months as low as 8.43% $24.62

36 Months as low as 8.23% $31.44

* All consumer loan rates may vary based on credit, loan term, loan to value ratio and age of collateral. All loans are subject to The Citizens National Bank’s credit guidelines. Rates are subject to change without notice. APRs quoted above assume excellent borrower credit history. Your actual APR may vary subject to your individual credit history. Commercial or business loan rate quotes are available from lender.

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Automobile Loan

Loan Type Maximum Term Annual Percentage Rate* Payment per $1,000 Financed

New Auto Loan 60 Months as low as 5.13% $18.93

48 Months as low as 4.93% $23.00

36 Months as low as 4.73% $29.85

Used Auto Loan 60 Months as low as 5.73% $19.21

48 Months as low as 5.53% $23.27

36 Months as low as 5.33% $30.12

* All consumer loan rates may vary based on credit, loan term, loan to value ratio and age of collateral. All loans are subject to The Citizens National Bank’s credit guidelines. Rates are subject to change without notice. APRs quoted above assume excellent borrower credit history. Your actual APR may vary subject to your individual credit history. The rates above are for consumer automobiles registered in individual names. Commercial or business loan rate quotes are available from lender.

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Debt Consolidation Loan

Maximum Term Annual Percentage Rate

60 Months 14.99%

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Overdraft Protection
for checking

Annual Percentage Rate Payment per $1,000 Borrowed

13.50% $25

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All rates and terms are subject to Citizens National Bank underwriting guidelines.
Rates and programs are subject to change without notice.

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