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Stay Secure........................ Check your statements as often as possible. If at any time you notice any discrepancies between your statements and your own records, please notify us immediately. Never give out account numbers or other personal financial information, unless you can validate the authenticity of the requestor. Always shred personal and financial information before discarding it.

ALERT!!!

Several customers have received an email from Citizensbank.com asking them to update information. Do not respond to this email. This is not Citizens State Bank or any business associated with us. Citizens State Bank will never contact a customer for information via email.

IMPORTANT NOTICE

CITIZENS STATE BANK is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2009, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2009.