Lynnville National Bank

Current CD Specials*
Product	Minimum Deposit	Interest Rate	APY**
84 Month CD	$500.00	1.25	1.25
A penalty may be imposed for early withdrawal. *APY � Annual Percentage Yield Rates are effective as of January 30, 2012, and are subject to change without notice.

Current Loan Specials
Product	Structure	Term	APR*
Home Equity Loan	70% LTV and Less	Up to 60 Months	6.75
*Rates are for owner occupied second mortgages. Assumes 70% loan to value or less and minimum balance of $50,000. Other rates and terms are available. Normal closing costs apply. Subject to credit approval. Rates are effective as of January 30, 2012, and are subject to change without notice.

Deposit Accounts
Product	Minimum Deposit	Interest Rate	APY*
Savings	$100.00	0.10	0.10
Christmas Club**	$1.00	0.25	0.25
Vacation Club**	$1.00	0.25	0.25
Now	$1,000.00	0.05	0.05
Super Now	$2,500.00	0.10	0.10
Super Now	$25,000.00	0.10	0.10
Money Market	$2,500.00	0.05	0.05
Super Money Market	$25,000.00	0.05	0.05
Super Money Market	$50,000.00	0.10	0.10
Super Money Market	$100,000.00	0.15	0.15
Bravo Checking	$2,500.00	0.05	0.05
Bravo Checking	$10,000.00	0.10	0.10
Bravo Checking	$25,000.00	0.15	0.15
Fees could reduce earnings on the account. APY � Annual Percentage Yield * .01% if no other deposit account at Lynnville National Bank Rates are effective as of January 30, 2012 and are subject to change without notice.

Certificates of Deposit*
Term	Minimum Deposit	Interest Rate	APY**
3 Months	$2,500.00	0.05	0.05
5 Months	$500.00	0.05	0.05
6 Months (<$10M)	$2,500.00	0.05	0.05
6 Months ($10M or >)	$10,000.00	0.05	0.05
7 Months	$500.00	0.05	0.05
9 Months	$500.00	0.05	0.05
11 Months	$500.00	0.05	0.05
12 Months	$500.00	0.10	0.10
15 Months	$500.00	0.10	0.10
18 Months	$500.00	0.15	0.15
18 Months (TDOA - Var)	$100.00	0.15	0.15
24 Months	$500.00	0.20	0.20
30 Months	$500.00	0.30	0.30
36 Months	$500.00	0.50	0.50
42 Months	$500.00	0.50	0.50
48 Months	$500.00	0.75	0.75
60 Months (< $10M)	$500.00	1.00	1.00
60 Months ($10M and>)	$10,000.00	1.00	1.00
84 Months	$500.00	1.25	1.25

A penalty may be imposed for early withdrawal. *APY � Annual Percentage Yield IRA Certificates are available at the same rate and terms as Certificates of Deposit. Rates are effective as of January 30, 2012 and are subject to change without notice.

Home Equity / Second Mortgage Loans
Product	Structure	Term	Annual Percentage Rate*
Home Equity Loans	Fixed	1-3 Years	7.00
Home Equity Loans	Fixed	4-5 Years	8.00
Home Equity Loans	Fixed	6-7 Years	8.75
Home Equity Loans	Fixed	8-10 Years	10.25
HELOC**	Adjustable		Prime-Floating
Rates are for owner occupied second mortgages. Assumes 80% loan to value or less. Other rates and terms are available. Normal closing costs apply. Subject to credit approval. *HELOC rate will not fall below 4.99% Rates are effective as of January 30, 2012 and are subject to change without notice.

Consumer Loans*
Product	Structure	Term	Annual Percentage Rate*
-	Year of Auto	-	-
Automobile	2009-2010	36 Months or Less	6.25
Automobile	2007-2008	36 Months or Less	6.75
Automobile	2005-2006	36 Months or Less	7.50
Automobile	2003-2004	24 Months or Less	8.25
Automobile	2002 and Older	18 Months or Less	9.00
LNB Savings Instrument Secured	$2,500.00 or Less	Matures with CD	CD Rate + 4% 7% Min
LNB Savings Instrument Secured	$2,500.00 - $7,499.00	Matures with CD	CD Rate + 2% 6% Min
LNB Savings Instrument Secured	$7,500.00 - 19,999.00	Matures with CD	CD Rate + 2% 5% Min
LNB Savings Instrument Secured	$20,000.00 or More	Matures with CD	CD Rate + 2% 3% Min
Personal Secured**	Fixed	< 36 Months	8.000
Personal Secured**	Fixed	42 to 60 Months	8.250
Personal Secured**	Fixed	66 to 120 Months	9.250
Personal Secured**	Fixed	> 120 Months	10.250
Other rates and terms are available. Down payment may be required reducing loan to value to 80% or less. Normal closing costs apply. Subject to credit approval, Credit Score and loan to value. *Rates are also subject to the age of the collateral Rates are effective as of January 30, 2012 and are subject to change without notice.