Welcome to The Marfa National Bank.

Deposit Interest Rates
Your interest rate and annual percentage yield may change at our discretion. We may change the interest rate on your account.

Account Type	Minimum to Open	Rate (%)	Monthly APY (%)	Quarterly APY (%)
NOW^*	$1,000	.50	.50	-
Money Market^*	$1,000
$0 - $999	-	.00	.00	-
$1,000 - $4,999	-	.75	.75	-
$5,000 - $24,999	-	.80	.80	-
$25,000 - $49,999	-	.80	.80	-
$50,000 - $99,999	-	.80	.80	-
$100,000 and above	-	.80	.80	-
*Senior Account^{ }* *(as of July 20, 2005)*	$100
$0 - $499	-	.00	.00	-
$500 - $4,999	-	1.00	1.00	-
$5,000 - $19,999	-	1.51	1.51	-
$20,000 and above	-	1.75	1.76	-
Passbook Savings^*	$50	.55%	.55%	.55%
$0 - $499	-	.00	.00	-
$0 - $499	-	.00	.00	-
IRA Savings	-	2.30	-	2.32
Christmas Club Savings	$5	.50%	.50%	.50%
Your interest rate and annual percentage yield may change at our discretion. We may change the interest rate on your account. Effort of closing account: If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to avoid imposition of fee: A cycle service charge of $5.00 will be imposed every month if the balance in the account falls below $100.00 any day of the month. *Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum daily collected balance of $500.00 in the account to obtain the disclosed annual percentage yield.

Certificates of Deposit Rates
Your interest rate and annual percentage yield may change at our discretion. We may change the interest rate on your account.

Account Type	Minimum to Open	Rate (%)	Monthly APY (%)	Quarterly APY (%)	Semi Annual APY (%)	Annual APY (%)
3 Month^***	$1,000	.50	.50
6 Month^***	$1,000
12 Month^***
18 Month^***	$100	.55%	.55%	.55%	.55%	.55%
30 Month^***	$5	.55%	.55%	.55%	.55%	.55%
60 Month^***	$5	.50%	.50%	.50%	.50%	.50%
13 Month⁺	$500	3.00%	3.05%	3.05%	3.05%	3.05%
25 Month⁺	$500	3.75%	3.82%	3.82%	3.82%	3.82%
46 Month⁺	$500	3.90%	3.97%	3.97%	3.97%	3.97%
⁺Non-Renewable ***Early Withdrawal Policy: Certificate of Deposit with original maturity of 1year or less: A penalty of three months interest on the amount withdrawn at the rate being paid upon deposit. Certificate of Deposit with original maturity of more than one year: A penalty of six months interest on the amount withdrawn at the rate being paid upon deposit.

A penalty may be imposed for early withdrawal of Certificates of Deposit. Interest bearing checking and money market accounts earn interest on collected balances and your interest rate and annual percentage yield may change at The Marfa National Bank's discretion. Fees could reduce earnings on checking and money market accounts.
DEPOSITS FDIC INSURED