Certificate Term	Simple Rate	Annual Percentage Yield	Minimum Balance Requirement	Early Withdrawal Penalty	Compounding Period
1 Month	1.75%	1.76%	$2,500.00	One Month	At Maturity
3 Month	2.00%	2.02%	$2,500.00	One Month	At Maturity
6 Month	2.25%	2.26%	$1,000.00	One Month	At Maturity
8 Month Large CD	2.75%	2.76%	$10,000.00	Three Months	At Maturity
1 Year	2.35%	2.36%	$1,000.00	Three Months	Semi-Annual
18 Month Small Savers	2.35%	2.36%	$500.00	Three Months	Semi-Annual
2 Year	2.60%	2.62%	$1,000.00	Three Months	Semi-Annual
30 Month Small Savers	2.50%	2.52%	$500.00	Three Months	Semi-Annual
18 Month Large CD	3.00%	3.02%	$10,000.00	Six Months	Semi-Annual
30 Month Large CD	3.15%	3.17%	$10,000.00	Six Months	Semi-Annual
3 Year	3.00%	3.02%	$1,000.00	Six Months	Semi-Annual
4 Year	3.25%	3.28%	$500.00	Six Months	Semi-Annual
5 Year	3.50%	3.53%	$500.00	Six Months	Semi-Annual
IRA 18 Month Variable CD	2.75%	2.77%	$50.00	Three Months	Semi-Annual

**Current rates and APY's are subject to change on a daily basis.  For additional information concerning terms and conditions, please consult with a staff member. Citizens National Bank is a member of the FDIC.  Effective Date of CD Rates & Yields is 2/5/08.