Citizens Bank - Press Release

The Citizens Banking Company sets pace
with $78,000 pledge.

Sandusky, Ohio (October 3, 2011) – As a 2011-2012 campaign pacesetter for the United Way of Erie County, The Citizens Banking Company, comprised of Citizens and Champaign Banks, completed its annual employee drive in September and pledged over $78,000 to community fund drives across the bank's footprint. The bank annually matches employee donations to the local community drive that each employee designates. "Our employees continue to demonstrate their compassion for community needs and we are proud to report an 18% increase over last year's campaign pledge," said James O. Miller, President and Chief Executive Officer.

About Citizens Bank
The Citizens Banking Company is the banking subsidiary of First Citizens Banc Corp, a holding company with assets of approximately $1 billion headquartered in Sandusky, Ohio. The Citizens Banking Company markets itself as Citizens Bank and Champaign Bank. With over 25 locations and 300 employees throughout Erie, Huron, Ottawa, Crawford, Richland, Champaign, Logan, Madison, Franklin and Summit counties, Citizens is committed to meeting the needs of consumer, business, mortgage and wealth management customers.

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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. .