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ONLINE TRANSACTION SECURITY SYNOPIS

Federal financial regulators are concerned that fraudsters are using more complex and malicious techniques to circumvent existing authentication controls, gain control of customer accounts, and transfer funds.

Regulation E provides consumers with some protections for electronic fund transfers and usually applies to accounts with internet access. It establishes limits for the consumer’s liability for unauthorized electronic fund transfers. There are specific procedures you need to take to help resolve an error with your account and you will need to take action in a timely manner. Please notify us immediately if you believe your access information has been stolen or compromised. Please review the activity on your account and periodic statement promptly and contact us if you find any errors or unauthorized transactions. Our Electronic Fund Transfer disclosures have more information on these types of protections. They were provided at account opening or can be provided upon request.

We would like you to know the following to help ensure the security of your online transactions:

1. We will never email, call or otherwise ask you for your user name, password or other electronic banking credentials.

2. You may consider implementing alternative risk control mechanisms to mitigate your risk such as:

a. Choosing a user name and password that mixes small case letters, upper case letters and numbers;

b. Changing your password often;

c. Protecting your user name and password information;

d. Ensuring you have a firewall in place when making financial transactions;

e. Reviewing your account activity regularly; and

f. Logging off the system when you have completed your transactions.

3. Commercial online banking customers should perform a related risk assessment and controls evaluation periodically.

If you notice suspicious account activity or experience customer information security-related events, please contact us by calling your local banking center or by calling 903-984-8671.

ONLINE MORTGAGE APPLICATION NOW AVAILABLE

Citizens Bank is now offering its customers and prospective customers, the opportunity to apply for a mortgage loan online! By clicking on the Blue Button on our website, a secure, online application is available 24/7. Our online mortgage application is easy to fill out and protects sensitive borrower information with the highest available industry standard encryption. You can find the Blue Button by clicking Loan Products at the top of this page and clicking on Real Estate in the drop down list. Another way to find the same secure mortgage application is to click on Home Mortgage Online Application under Quick Links at the left of this page.

Citizens Bank is an Equal Housing Lender and Member FDIC. All loans are subject to approval.

Citizens Bank introduces secure statement delivery...

This new service allows you to safely retrieve your DDA and Savings statements on-line, utilizing an easy-to-use web-based process.

The new "e~statement" service provides secure access, utilizing dual authentication in prevention of phishing.

Three words used to describe the new secure statement delivery service for e~statements.

SECURE - The dual authentication offers the peace of mind for everyone’s security needs.

CONVENIENT - With a few clicks of the mouse you can have access to full image enabled statements from any computer with an internet connection. You can now download, save, and print all their available online statements for your documentation needs.

ECO-FRIENDLY - An environmentally friendly way to retrieve your financial records.

Just print and complete the E-Statement Enrollment Form and turn it in to your local banking center.

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, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit WWW.FDIC.GOV

WELCOME TO CITIZENS BANK ONLINE!

To demonstrate our commitment to providing quality products and services that meet the needs of both our consumer and business customers, we are pleased to have this portal and website which has been in operation for over one and one-half years now. And, we are planning to add new innovations to this website in the coming year which will make it extremely beneficial for our banking customers..

Our portal web-site is designed to serve as your Home Page by giving you the flexibility to personalize each section. By clicking “Edit” next to the section heading, you can customize your stock quotes, news links, and weather information. And, for convenient access to other web-sites, you can create a list of your favorite links and select from a variety of powerful search engines. Under the Quicklinks section, we have also provided you with a list of commonly used third-party links that we are sure you will find informative and helpful.

In addition to the dynamic features available on our portal Home Page, we would like to invite all visitors to our site as well as our customers to browse each of the additional pages to learn more about the past, present and future of Citizens Bank and the products and services we have to offer.

Our Online Banking product is a user-friendly system that provides secure, around the clock account access to both our consumer and business customers, giving you the flexibility to manage your finances at your convenience. Once you have successfully enrolled, you can view your account balances and check images, print statements, transfer funds, make loan payments, and use the secure messaging system to request additional services or assistance. And, because maintaining the privacy of your confidential information is our priority, access is password protected and all transactions are secured using strict encryption standards.

For more information or to see a demonstration visit our Online Banking page or simply click on the First Time User link located in the upper right hand corner. To enroll, consumers can complete the Personal Enrollment application online and once submitted, your temporary password will be sent directly to you and should arrive within 5-7 business days. Business customers should contact a customer service representative for an enrollment application.

Thank you for visiting Citizens Bank Online!

Citizens Bank's Mortgage Loan Originator ID# 458011