Wilber National Bank

Wilber National Bank Certificate of Deposit Rate Sheet

(Effective 12-24-2008 through 01-06-09)

Account Type	Minimum Deposit to Open Account	Minimum Daily Balance to Obtain Annual Percentage Yield	Interest Rate	Annual Percentage Yield (APY)
*Certificates of Deposit*
*Fixed Rate:*
3 months to <6 months	2,500	2,500	1.10%	1.11%
6 months to <12 months	2,500	2,500	1.25%	1.26%
1 year to <18 months	2,500	2,500	1.40%	1.41%
18 months to <2 years	2,500	2,500	1.85%	1.87%
2 years to <3 years	2,500	2,500	2.15%	2.17%
3 years to <4 years	2,500	2,500	3.00%	3.04%
4 years to 5 years	2,500	2,500	3.50%	3.56%
5 years	2,500	2,500	3.75%	3.82%
*Special Rates:*
4 years (min $25,000 new $ req)	25,000	25,000	3.75%	3.82%
5 years (min $25,000 new $ req)	25,000	25,000	4.00%	4.07%

*Variable Rates:*
2 years	2,500	2,500	1.00%	1.00%

*Retirement Accounts*
*Fixed Rate:*
1 year to 5 years	1,000	1,000	Same as $2500 levels quoted above

*Variable Rate:*
	100	0	2.00%	2.02%
	100	10,000	2.25%	2.27%
	100	50,000	2.50%	2.52%

Disclosure Statements:

Certificates of Deposit
The rate for a Fixed Rate Certificate of Deposit is fixed for the term of the CD. Rates for Variable Rate Certificates of Deposit may change after the account is opened. A penalty will be imposed for early withdrawal.

Retirement Accounts
The rate for a Fixed Rate Retirement Account Certificate of Deposit is fixed for the term of the CD. A penalty will be imposed for early withdrawal.

The rate for a Variable Rate Retirement Account may change after the account is opened. A withdrawal of principal or interest prior to age 59 1/2 years old may be subject to IRS penalties.

Fees could reduce the earnings on a retirement account.

Additional Account Disclosure Information and Fee Schedule for Personal Accounts and Services.