THE CITIZENS NATIONAL BANK OF QUITMAN

"YOUR FRIENDLY HOMETOWN COMMUNITY BANK"

THE BANK IS NOT PERFORMING MAINTENANCE. DO NOT PROVIDE THE INFORMATION DESCRIBED BELOW.

Our support teams have seen increased activity with a malware screen takeover that is targeting token users. This particular malware variant will prompt a user to input account and/or token data, which then results in another screen prompt indicating that the user will be unable to access the account for 24-hours while maintenance is performed. This allows the fraudster to take over the session and commit fraud while the user is detained on the fake “maintenance” screen. A similar variant of the malware has been identified where the end user receives a pop up asking for several pieces of personal information including a phone number. The customer inputs the data and then receives a phone call immediately from a caller claiming to be a bank employee letting them know the system will be down for 24-hours which then allows the fraudster to access the account while on the phone with the user.

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 www.fdic.gov.