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Rates for Citizens State Bank effective as of:
April 16, 2008.

Rates Subject to change without notice.

NOW ACCOUNT

FEES COULD EFFECT EARNINGS ON ACCOUNT.

This is a variable rate account; rate(s) and APY(s) may change after account is opened. You must maintain a minimum daily balance of $1,500.00 to obtain disclosed annual percentage yield.

Rate Annual Percentage Yield Minimum Opening Deposit Mimimum to Obtain Yield
0.650% .650% $1,500.00 $1,500.00


SUPER NOW ACCOUNT

FEES COULD EFFECT EARNINGS ON ACCOUNT.

This is a variable rate account; rate(s) and APY(s) may change after account is opened. You must maintain a minimum daily balance of $2,500.00 to obtain disclosed annual percentage yield.

Rate Annual Percentage Yield Minimum Opening Deposit Mimimum to Obtain Yield
0.900% 0.900% $2,500.00 $2,500.00


PREFERRED INVESTMENT ACCOUNT

FEES COULD EFFECT EARNINGS ON ACCOUNT.

This is a variable rate account; rate(s) and APY(s) may change after account is opened. You must maintain a minimum daily balance of $1,000.00 to obtain disclosed annual percentage yield.

Deposit Amount Rate Annual Percentage Yield Mimimum to Obtain Yield
$1,000.00 - $4,999.99 1.150% 1.16% $1,000.00
$5,000.00 - $9,999.99 1.650% 1.66% $5,000.00
$10,000.00 - $24,999.99 2.000% 2.02% $10,000.00
$25,000.00 - $49,999.99 2.250% 2.27% $25,000.00
$50,000.00 and above 2.75% 2.78% $50,000.00


SAVINGS ACCOUNT

FEES COULD EFFECT EARNINGS ON ACCOUNT.

This is a variable rate account; rate(s) and APY(s) may change after account is opened. You must maintain a minimum daily balance of $100.00 to obtain disclosed annual percentage yield.

Minimum Opening Deposit Rate Annual Percentage Yield Mimimum to Obtain Yield
$100.00 1.150% 1.15% $100.00


CHRISTMAS CLUB SAVINGS ACCOUNT

FEES COULD EFFECT EARNINGS ON ACCOUNT.

This is a variable rate account; rate(s) and APY(s) may change after account is opened. You must maintain a minimum daily balance of $25.00 to obtain disclosed annual percentage yield.

Minimum Opening Deposit Rate Annual Percentage Yield Mimimum to Obtain Yield
$25.00 1.150% 1.15% $25.00


Rates for Citizens State Bank effective as of:
April 16, 2008.

Rates Subject to change without notice.

CERTIFICATES OF DEPOSIT
You must maintain a minimum daily balance of $1,000.00 to obtain disclosed annual percentage yield. A penalty may be imposed for early withdrawal.

Term Length Rates Annual Percentage Yield Minimum Opening Deposit Mimimum to Obtain Yield
1 Month 1.750% 1.76% $1,000.00 $1,000.00
3 Months 2.000% 2.02% $1,000.00 $1,000.00
6 Months 2.750% 2.77% $1,000.00 $1,000.00
12 Months 2.950% 2.98% $1,000.00 $1,000.00
18 Months 3.100% 3.14% $1,000.00 $1,000.00
24 Months 3.250% 3.29% $1,000.00 $1,000.00
36 Months 3.500% 3.55% $1,000.00 $1,000.00
48 Months 3.950% 4.01% $1,000.00 $1,000.00

ROTH IRA CERTIFICATES OF DEPOSIT
You must maintain a minimum daily balance of $500.00 to obtain disclosed annual percentage yield. A penalty may be imposed for early withdrawal.

Term Length Rates Annual Percentage Yield Minimum Opening Deposit Mimimum to Obtain Yield
3 Months 3.950% 4.01% $500.00 $500.00
12 Months 3.950% 4.01% $500.00 $500.00
60 Months 3.950% 4.01% $500.00 $500.00

TRADITIONAL IRA CERTIFICATES OF DEPOSIT
You must maintain a minimum daily balance of $1,000.00 to obtain disclosed annual percentage yield. A penalty may be imposed for early withdrawal.

Term Length Rates Annual Percentage Yield Minimum Opening Deposit Mimimum to Obtain Yield
3 Months 3.950% 4.01% $1,000.00 $1,000.00
12 Months 3.950% 4.01% $1,000.00 $1,000.00
18 Months 3.950% 4.01% $1,000.00 $1,000.00
30 Months 3.950% 4.01% $1,000.00 $1,000.00