The Muncy Bank & Trust Co.

Annual Percentage Yields (APY) stated are accurate as of 02/04/2010

(All rates are subject to change without notice.)

Certificates of Deposit
Term	Deposit Needed to Open	Interest Rate	Annual Percentage Yield
7 - 31 Day	$7,500	.45	.45
91 Day	$2,500 - $4,999.99	.45	.45
91 Day	$5,000 +	.75	.75
5 Month	$5,000 +	.90	.90
182 Day	$2,500 - $4,999.	.65	.65
182 Day	$5,000 +	.95	.95
12 Month	$500 - $4,999.99	1.00	1.00
12 Month	$5,000 +	1.30	1.30
18 Month	$500 - $4,999.99	1.06	1.06
18 Month	$5,000 +	1.36	1.36
30 Month	$500 - $4,999.99	1.54	1.55
30 Month	$5,000 +	1.84	1.85
36 Month	$500 - $4,999.99	1.89	1.90
36 Month	$5,000 +	2.19	2.20
48 Month	$500 - $4,999.99	2.19	2.20
48 Month	$5,000 +	2.49	2.51
60 Month	$500 - $4,999.99	2.58	2.60
60 Month	$5,000 +	2.88	2.90

Substantial penalty imposed for early withdrawal.

Individual Retirement Accounts
Term	Deposit Needed to Open	Interest Rate	Annual Percentage Yield
18 Month Variable*	$1.00	1.99	2.00
18 Month Fixed	$100.00	1.79	1.80
48 Month Fixed	$100.00	2.28	2.30
60 Month Fixed	$100.00	2.67	2.70

Substantial penalty imposed for early withdrawal.
*Rates may change after the account is opened.

Deposit Accounts
Term	Deposit Needed to Open	Interest Rate	Annual Percentage Yield
Tiered Interest Checking	$500.01 to $1,500.00	0.25	0.25
	$1,500.01 to $10,000.00	0.30	0.30
	$10,000.01 to $25,000.00	0.35	0.35
	$25,000.01 +	0.50	0.50
Preferred / Money Market	$500.00 to $4,999.99	0.40	0.40
	$5,000.00 to $9,999.99	0.70	0.70
	$10,000.00 to $14,999.99	1.00	1.00
	$15,000.00 +	1.29	1.30
Statement Savings		0.40	0.40

The minimum balance needed to open a Tiered Interest Checking is $25.00 and to open a
Preferred/Money Market is $500.00. Fees could reduce earnings.

Rates may change after the account is opened.

For additional information, please contact us during regular business hours at 570-546-2211
or toll free 1-877-243-8919 so one of our Customer Service Representatives may assist you.