The Citizens National Bank

May 9, 2008

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The 2008 IRA contribution limit has gone up to $5,000. If you are 50 or older, you can contribute $6,000 for the 2008 tax year.

Rates Effective 05/05/08

Home Equity Line of Credit*

Loan Type Annual Percentage Rate+ Maximum Term Payment per $1000 Financed

First 10 Years - Interest Only 5.00% 240 Months $4.25

* 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 $1000 Financed

1-5 Years 5.700% 60 Months $19.19

5-10 Years 5.990% 120 Months $11.09

10-15 Years 6.490% 180 Months $8.70

*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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Fixed Rate Mortgages*
20% Down Payment

Loan Type Annual Percentage Rate Maximum Term Payment per $1000 Financed

1-10 Years 5.375% 120 Mos. $10.79

11-15 Years 5.875% 180 Mos. $8.37

16-20 Years 6.250% 240 Mos. $7.31

*Application fee may apply.

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Adjustable Rate Mortgages*

Loan Type Annual Percentage Rate+ Maximum Term Payment per $1000 Financed

1/1 ARM (1) 4.750% 360 $5.22

3/1 ARM (2) 5.375% 360 $5.60

5/1 ARM (3) 5.500% 360 $5.68

7/1 ARM (4) 5.875% 360 $5.92

* 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 $1000 Financed

Unsecured (maximum $10,000) 12.99% 48 Months $26.82

Unsecured (maximum $10,000) 13.99% 60 Months $23.26

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Auto Loans

Loan Type Annual Percentage Rate Maximum Term Payment per $1000 Financed

New - 2008-2009 7.00% 60 Months $19.80

New - 2008-2009 6.25% 48 Months $23.60

New - 2008-2009 6.00% 36 Months $30.42

Used - 2007 7.25% 60 Months $19.92

Used - 2007 7.00% 48 Months $23.94

Used - 2007 6.50% 36 Months $30.65

Used - 2006 8.25% 60 Months $20.39

Used - 2006 8.00% 48 Months $24.41

Used - 2006 7.50% 36 Months $31.11

Used - 2005 10.25% 48 Months $25.48

Used - 2005 9.75% 36 Months $32.15

Used - 2004 12.25% 48 Months $26.46

Used - 2004 11.75% 36 Months $33.10

Used - 2003 13.99% 36 Months $34.18

Used - 2002 & older 14.99% 36 Months $34.66

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Overdraft Protection
for checking

Annual Percentage Rate Payment per $1000 Borrowed

13.50% $25.00

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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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