Pioneer National Bank - Retirement Accounts

Product	Min. Balance	Compound Frequency	Interest Rate		APY*

3 Month CD	1,000	At Maturity	0.06%		0.06%
6 Month CD	1,000	At Maturity	0.25%		0.25%
12 Month CD	1,000	Annually	0.25%		0.25%
24 Month CD	1,000	Quarterly	0.70%		0.70%
36 Month CD	1,000	Quarterly	0.84%		0.84%
48 Month CD	1,000	Quarterly	1.15%		1.15%
60 Month CD	1,000	Quarterly	1.33%		1.33%

CD Specials

7 Month CD	1,000	At Maturity	0.40%	Rate	0.40%	APY
11 Month CD	1,000	At Maturity	0.60%	Rate	0.60%	APY

Penalty for Early Withdrawal

Deposit Account Rates	Min Balance	Compound Frequency	Interest Rate		APY*

Pioneer Interest Bearing Checking **	1000	Monthly	0.05%		0.05%

Young Pioneer Checking**	0-4999.99	N/A	N/A		N/A
Young Pioneer Checking**	5000	Monthly	0.05%		0.05%

Pioneer Regular Savings **	50	Quarterly	0.05%		0.05%

Money Market Savings **	0- 2499.99	Monthly	0.05%		0.05%
Money Market Savings **	2500	Monthly	0.10%		0.10%

Preferred Rate Checking **	0-2499.99	Monthly	0.01%		0.01%
Preferred Rate Checking **	2500	Monthly	0.05%		0.05%

IRA Savings **	50	Quarterly	0.05%		0.05%

Pioneer Premium Money Market Savings **	0-9999.99	Monthly	0.10%		0.10%
	10000.00-24999.99	Monthly	0.15%		0.15%
	25000	Monthly	0.25%		0.25%

* Annual Percentage Yield

** Variable rates; subject to change daily; fees may reduce earnings

Please see bank employee for further details.