MCNB Banks

Rates Effective As of November 20, 2008
Account Name	Simple Rate	Annual Percentage Yield	Minimum Balance Required*	Early Withdrawal Penalty
Statement Savings (1,2,3)	1.00%	1.00%	$100.00	-
NOW Accounts (1,2,3)	-	-	-	-
--Tier 1 - $1,000 - $1,999.99	1.00%	1.00%	$1,000.00	-
--Tier 2 - $$2,000 and above	1.25%	1.25%	$2,000.00	-
MMDA (1,2,3)	-	-	-	-
--Tier 1 - $1,000 - $4,999.99	1.00%	1.00%	$1,000.00	-
--Tier 2 - $5,000 and above	1.50%	1.51%	$5,000.00	-
CHOICE Relationship (1,2,3,4)	0.50%	0.50%	-	-

Certificates and IRAs (1,5)	-	-	-	-
--2 Months	2.00%	2.01%	$1,000.00	1 Month's Interest
--3 Months	2.05%	2.06%	$1,000.00	1 Month's Interest
--6 Months	2.50%	2.52%	$1,000.00	1 Month's Interest
--12 Months	3.10%	3.13%	$1,000.00	1 Month's Interest
--18 Months	3.10%	3.13%	$1,000.00	6 Months' Interest
--24 Months	3.40%	3.44%	$1,000.00	6 Months' Interest
--30 Months	3.80%	3.85%	$1,000.00	6 Months' Interest
--36 Months	4.00%	4.06%	$1,000.00	6 Months' Interest
--48 Months	4.50%	4.57%	$1,000.00	6 Months' Interest
--60 Months	4.60%	4.68%	$1,000.00	6 Months' Interest
Jumbo Certificates (1,5)	-	-	-	-
--2 Months	2.00%	2.01%	$100,000.00	1 Month's Interest
--3 Months	2.05%	2.06%	$100,000.00	1 Month's Interest
--6 Months	2.50%	2.52%	$100,000.00	1 Month's Interest
--12 Months	3.10%	3.13%	$100,000.00	1 Month's Interest
--18 Months	3.10%	3.13%	$100,000.00	6 Months' Interest
--24 Months	3.40%	3.44%	$100,000.00	6 Months' Interest
--30 Months	3.80%	3.85%	$100,000.00	6 Months' Interest
--36 Months	4.00%	4.06%	$100,000.00	6 Months' Interest
--48 Months	4.50%	4.57%	$100,000.00	6 Months' Interest
--60 Months	4.60%	4.68%	$100,000.00	6 Months' Interest
Special Term Certificates (1,5,6)	-	-	-	-
--7 Months	3.05%	3.08%	$1,000.00	1 Month's Interest
--17 Months	3.55%	3.59%	$1,000.00	6 Months' Interest
--120 Months	5.00%	5.09%	$1,000.00	6 Months' Interest
RateProtector Certificates (1,5,6)	-	-	-	-
--24 Months	3.30%	3.34%	$1,000.00	6 Months' Interest
--36 Months	3.75%	3.80%	$1,000.00	6 Months' Interest
Listed rates are subject to repricing at the Bank's discretion. Rate commitments for the published rates may only be guaranteed by calling an MCNB office and only at terms currently available to the Bank's local customer base.

Interest begins to accrue on all above accounts on the business day you deposit non-cash items (for example, checks).

If you close your account before Interest is credited, you WILL NOT receive the accrued Interest.

Your Interest rate & annual percentage yield may change at our discretion.

See product description for minimum balance and other details.

Renewal Policy for Certificates: If your certificate is single maturity, NO INTEREST WILL BE PAID AFTER MATURITY DATE. If your certificate will automatically renew, you will have a 10-day grace period to present certificate for payment without penalty. If the certificate automatically renews, IT WILL BE RENEWED AT THE RATE IN EFFECT AT THIS INSTITUTION ON THE DATE OF MATURITY.

Offered as single maturity certificate only. Does not automatically renew.

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* Average daily balance required to obtain interest.

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