Citizens State Bank of Clara City

Citizens State Bank of Clara City is participating in the FDIC's Transaction Account Guarantee Program. Under that
program, through December 31, 2010, all non-interest bearing transaction accounts and all NOW 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 from the FDIC's general deposit insurance rules.

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