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    Panola National Bank - Carthage, TX and Marshall, TX
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    PANOLA NATIONAL BANK
    Rate Information

    AUGUST 5, 2008

    TERM MINIMUM DEPOSIT  INT. RATE APY*
           
    CDs      
    7-90 Days $1,000.00 .65 .65
    91-181 Days $1,000.00 1.65 1.66
    182-364 Days $1,000.00 2.40 2.43
    12 Months $1,000.00 2.50 2.53
    18 Months $1,000.00 2.55 2.58
    30 Months $1,000.00 2.65 2.68
           
    All rates are simple interest.
           
    IRAs      
    6 Month-Fixed  $250.00 2.40 2.43
    12 Month-Fixed $250.00 2.50 2.53
    18 Month-Fixed $250.00 2.55 2.58
    30 Month-Fixed $250.00 2.65 2.68
    Money Market  $2,500.00 1.00 1.01
           
    Super Now   $2,500.00 .95 .95
           
    Now $1,500.00 .85 .85
           
    Priority 55 $500.00 .85 .85
           
    Savings $100.00 .95 .95
           
           
           

    The rate on your Money Market, Now, Super Now, Priority 55 or Savings account may change at any time.

    *ANNUAL PERCENTAGE YIELD

    The rate will be negotiable on balances of $100,000.00 or more on all the above disclosed CD/IRA terms.

    You may request a disclosure, which contains the terms, fees, and rate information for deposit accounts you already have, or any that we may offer, at any time.

    All rates are subject to change and are accurate as of AUGUST 5,  2008.  See the bank for current rates.

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