RATE CHART

The Annual Percentage Yield (APY) reflects the interest rate with the interest compounding semi-annually. The APY assumes interest will remain on deposit until maturity. If you receive an interest check or have interest posted to another account your APY will be less. 

Account Product Name	Minimum Opening Deposit	Minimum Balance To Obtain APY**	Daily Balances	Interest Rate	APY**
Certificates of Deposit
6 month	$500.00	$500.00	$500.00 - $99,999.00	2.15%	2.16%
			$100,000.00 and up	2.20%	2.21%
1 year	$500.00	$500.00	$500.00 - $99,999.00	2.48%	2.50%
			$100,000.00 and up	2.50%	2.52%
2 year	$500.00	$500.00	$500.00 - $99,999.00	2.35%	2.36%
			$100,000.00 and up	2.40%	2.41%
3 year	$500.00	$500.00	$500.00 - $99,999.00	2.75%	2.77%
			$100,000.00 and up	2.80%	2.82%
4 year	$500.00	$500.00	$500.00 - $99,999.00	2.80%	2.82%
			$100,000.00 and up	2.85%	2.87%
5 year	$500.00	$500.00	$500.00 - $99,999.00	3.00%	3.02%
			$100,000.00 and up	3.10%	3.12%
Individual Retirement Accounts
1 year IRA  Certificate of Deposit	$250.00	$250.00	N/A	2.75%	2.77%
2 year IRA  Certificate of Deposit	$250.00	$250.00	N/A	2.85%	2.87%
3 year IRA  Certificate of Deposit	$250.00	$250.00	N/A	2.95%	2.97%
5 year IRA  Certificate of Deposit	$250.00	$250.00	N/A	3.05%	3.07%
Interest Bearing Accounts
Citizens Preferred*	$1,000.00	$1,000.00	N/A	1.00%	1.01%
Citizens NOW*	$900.00	$900.00	N/A	0.13%	0.13%
Citizens Passbook*	$25.00	$25.00	N/A	0.25%	0.25%

Canadian Exchange Rate

Canadian to U.S. rate of exchange: .76

For CD deposits a penalty may be imposed for early withdrawal. *The interest rate and annual percentage yield may change after account opening. Daily balance:  The amount of the principal in the account each day. **Annual Percentage Yield

Fees could reduce the earnings on the account. Interest Rates and Annual Percentage Yields are current as of 10-08-2008. For current rate information, exact rate amounts, additional terms and conditions, contact your nearest Citizens State Bank - Midwest Branch Office.