7-9 Months. . . .3.04% APY**

44 Months. . . .4.04% APY*

7-9 Months. . . .2.79% APY***

*Annual Percentage Yields (APYs) based on Monthly Compounding. A penalty may be imposed for early withdrawal. Early withdrawal penalty will reduce earnings. Minimum opening deposit is $500. Rate effective as of October 7, 2008. Consumer and Business funds accepted. Institutional and Public funds not accepted. Rate may change. Available at all Peoples National Bank locations.

**Annual Percentage Yield (APY) based on monthly compounding. To receive the stated APY of 3.04%, you are required to have a checking account with a minimum balance of $500 at the time of CD opening. The interest can be compounded to the CD or transferred monthly to a PNB checking with a minimum balance of $500 at the time of CD opening. A penalty may be imposed for early withdrawal. Early withdrawal penalty will reduce earnings. Minimum opening deposit is $500. Rate effective as of October 7, 2008. Choose a term between 7 months up to 9 months. Consumer and business funds accepted. Institutional and public funds not accepted. Rate may change.

***Annual Percentage Yield (APY) based on monthly compounding. A penalty may be imposed for early withdrawal. Early withdrawal penalty will reduce earnings. Minimum opening deposit is $500. Rate effective as of October 7, 2008. Choose a term between 7 months up to 9 months. Consumer and business funds accepted. Institutional and public funds not accepted. Rate may change.

2.25% . . . . . $25,000 and above

1.75% . . . . . Up to $9,999.99

2.00% . . . . . $10,000 up to $24,999

*Annual Percentage Yield (APY's) based on Monthly Compounding. A penalty will be imposed if withdrawn during first six days of deposit and when withdrawals are made within six days of a partial withdrawal. A penalty may be imposed for early withdrawal. Early withdrawal penalty will reduce earnings. Minimum opening deposit is $500.00. Consumer & Business deposits only. APY effective as of October 7, 2008. Limited time offer.