The Citizens National Bank

March 10, 2010

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The Citizens National Bank, Always a Better Way!

Rates Effective 03/9/10

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

10 Year Mortgage 4.500% 120 Months $10.36

15 Year Mortgage 4.500% 180 Months $7.65

20 Year Mortgage 4.875% 240 Months $6.53

30 Year Mortgage 5.125% 360 Months $5.44

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

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Home Equity Line of Credit*

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

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

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

1-5 Years 5.250% 60 Months $18.99

5-10 Years 5.625% 120 Months $10.91

10-15 Years 6.375% 180 Months $8.64

*For qualifying properties with loan -to-value of 80% or less, loans of $5,000 or more. Application fee of $100 on loan requests under $10,000.

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Adjustable Rate Mortgages*

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

1/1 ARM (1) 3.825% 360 $4.67

3/1 ARM (2) 4.000% 360 $4.77

5/1 ARM (3) 4.125% 360 $4.85

7/1 ARM (4) 4.375% 360 $4.99

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

Unsecured (maximum $10,000) 12.00% 48 Months $26.33

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Auto Loans

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

New - 2009-2010-2011 5.89% 60 Months $19.28

New - 2009-2010-2011 5.69% 48 Months $23.34

New - 2009-2010-2011 5.49% 36 Months $30.19

Used - 2009 6.49% 60 Months $19.56

Used - 2009 6.29% 48 Months $23.62

Used - 2009 6.09% 36 Months $30.46

Used - 2008 6.69% 48 Months $23.80

Used - 2008 6.49% 36 Months $30.64

Used - 2007 7.29% 48 Months $24.08

Used - 2007 7.09% 36 Months $30.92

Used - 2006 7.99% 48 Months $24.41

Used - 2006 7.79% 36 Months $31.24

Used - 2005 9.99% 48 Months $25.36

Used - 2005 9.79% 36 Months $32.17

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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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