THE CITIZENS NATIONAL BANK OF QUITMAN

"YOUR FRIENDLY HOMETOWN COMMUNITY BANK"

FUNDS AVAILABILITY

Effective February 27, 2010, the number of business days we are allowed to hold your funds decreased to a maximum of seven business days, except in the case of new accounts, which has not changed.

Transaction Account Guarantee Program Disclosure

The Citizens National Bank of Quitman is participating in the FDIC's Transaction Account Guarantee Program. Under that program, all non-interest bearing accounts are fully guaranteed by the FDIC for the entire amount in the account through December 31, 2010. 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.