Citizens Bank

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NOTICE OF CHANGES
In Temporary FDIC Insurance Coverage For Transaction Accounts All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov

In accordance with Section 326 of the USA PATRIOT ACT, applicants for new accounts are requested to provide current picture identification that verifies identity including name, address and other identifying information. In some cases, identification will be requested for current account holders if original documentation was not obtained with the opening of the account. In all cases, protection of our customer's identity and confidentiality is our pledge to you. We proudly support all efforts to protect and maintain the security of our customers and our country.

Citizens Bank | 100 Circle Drive, New Haven, Missouri 63068 | (573) 237-3051 | info@citizensbankmo.com