Citizens Bank Sac City, Iowa



	After Decenber 31, 2011 US Savings Bonds will no longer be sold by Citiznes Bank Visit www.treasurydirect.gov for details DO NOT install a program called "ProBank" on your computer. It is not from the FDIC or Citizens Bank and could compromise your personal inforamation. NOTICE!!!Citizens Bank will not request personal information from you via telephone or e-mail. If you receive such a request using our name, it was not sent by us. DO NOT OPEN IT OR RESPOND!!!!!

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 http://www.fdic.gov/.

FDIC

Equal Housing Lender

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