WELCOME TO CITIZENS BANK

WELCOME TO CITIZENS BANK Important Account Information Inside Gladewater National Bank will merge with Citizens Bank on October 1, 2018.

www.citizensbanktx.com August 30, 2018 Dear Valued Gladewater National Bank Customers: It is my pleasure to welcome you to the Citizens Bank family effective October 1, 2018! All of us at Citizens Bank are excited that we will now have the opportunity to serve you as our customers and add Gladewater to our growing list of Banking Center locations. Chartered in 1949, Citizens Bank s hometown approach to banking has been focused on local leadership making decisions that affect our customers and our communities. Our mission, for almost seventy years, has been to promote the economic growth and quality of life in the communities we serve by providing services that are competitively priced and designed to meet a diverse range of financial needs. We intend to continue that mission in Gladewater, Texas. Additionally, we pledge to you that we will continue to deliver the same quality personalized service that you have grown accustomed to at Gladewater National Bank. Citizens Bank is committed to our customers having direct access to decision makers that will be closely involved with them and their businesses. It is our belief that strong, successful, small businesses translate into prosperous, growing communities. Here are a few things that we would like for you to know as we grow together: * You will now have access to 11 full service Banking Center locations and ATM s. * You will have access to a full array of financial services and products, including several that will be new and expanded, all delivered with the strength of a community bank that has approximately $430 million in assets, $335 million in deposits and $53 million in capital. * Your deposit accounts will be transferred to Citizens Bank, an insured depository institution, as a result of the merger with no action needed on your part. * Borrowers will have access to a much larger legal lending limit. * You will find a guide for personal and business banking services that will provide important information about your accounts inside this welcome packet. Citizens Bank is as close to banking with a handshake, the way it used to be, as you can find in today s highly regulated environment. Our dedication to our customers and the communities we serve is genuine and very much at the heart of the values that Citizens Bank represents. The following pages will hopefully answer your questions and provide all the information that you will need to navigate the merger of Gladewater National Bank into Citizens Bank. This same information will also be available online at www.citizensbanktx.com and www.gladewaternational.com. With warm regards, Sammy D. York President & CEO Member FDIC Equal Housing Lender

IMPORTANT DATES Week of October 1: Week of November 26: Website and Online Banking:The Gladewater National Bank website will be redirected to the Citizens Bank website. There will be a specific online link "Gladewater National Bank Online Banking" that customers will click on to gain access to their online banking. On the conversion date, December 3, 2018, the link will be removed and you will access your online banking directly from the Citizens Bank website using your current login credentials. Gladewater National Bank signage will change to Citzens Bank. Debit/ATM Cards: Watch for your new Citizens Bank MasterCard Debit/ATM card to arrive in the mail. You may activate your card by calling the number listed on the label affixed to the front of the card. At that time, you will also select your PIN. Although the card can be activated as soon as you receive it, it will not be operational until December 3, 2018. Important: Use your current debit card through December 2, 2018. Beginning December 3, 2018 use your new Debit/ATM card. You may experience incremental issues throughout the weekend with your current Debit/ATM cards. New Checks: You should receive your Citizens Bank checks in the mail at no cost to you. November 30: Banking Center Closing Times: Important: To prepare for the system conversion, Citizens Bank Gladewater Banking Center will be closed beginning the afternoon of November 30, 2018 through Sunday, December 2, 2018. Main Bank: 2:30 p.m. Motor Bank: 2:30 p.m. Night Drop: Items placed in the night drop after this closing time will be processed on December 3, 2018. Bill Pay: Users can create bill payments until 5:00 p.m. on November 30, 2018. Service will resume on December 3, 2018. December 1: Closed: The main bank and motor bank will be closed and online banking will not be available. Debit/ATM Cards: You may experience incremental issues throughout the weekend with your current Debit/ATM cards. December 2: Closed: The main bank and motor bank will be closed and online banking will not be available. Debit/ATM Cards: You may experience incremental issues throughout the weekend with your current Debit/ATM cards. December 3: Open: All locations will be open for normal business hours. Online banking, Bill Pay and Mobile Banking will be available. Debit/ATM Cards: You can begin to use your new Citizens Bank Debit/ATM Card. Discard your old card properly by shredding or cutting it up. New Checks: You may start using your Citizens Bank checks. Telephone Banking: When accessing the telephone banking system after the conversion date on December 3, 2018, you will be prompted to enter your initial PIN. Your initial PIN will be the last 4 digits of your SSN. You will then be prompted to create a new PIN.

Online Banking WHAT IS IT? The online banking program is easy to maneuver and provides password protection and state-of-the-art functionality. Real-time account information 24-hour access to real-time account information from the convenience of your persomal computer or mobile device. Transfer money Easily transfer money between your accounts 24/7, and set up automatic transfers to move money on a recurring basis. Safe and secure Multi-layer security, including password protection, internet firewalls, and encryption help keep your information safe and secure. WHAT DO I NEED TO KNOW? On October 1, 2018 the Gladewater National Bank website will be redirected to the Citizens Bank website. There will be a specific online link Gladewater National Bank Online Banking that customers will click on to gain access to their online banking. On the conversion date, December 3, 2018, the link will be removed and you will access your online banking directly from the Citizens Bank website in the login area for online banking using your current login credentials.

Mobile Banking/Mobile Deposit WHAT IS IT? Now all the things you like about online banking will be at your fingertips on your mobile device. Deposit checks, check your balance, pay your bills, transfer money and enjoy addditional features at your fingertips 24 hours a day. WHAT DO I NEED TO KNOW? In order to utilize Mobile Banking, You need to be enrolled in online banking. On December 3, 2018, Gladewater National Bank s online banking customers will be able to download the CBTX on the Go app to access their Citizens Bank accounts from their mobile device. Cash Management (Business Customers only) WHAT IS IT? Cash Management is a set of tools that helps your organization push money out (such as paying payroll) or pull money in (such as collecting rental payments).

Bill Pay WHAT IS IT? Bill Pay is an easy and convenient way to pay your bills from wherever you connect. Pay virtually anyone. From the local bakery to a Fortune 500 company, even your babysitter. Same day/next day payments. Payments can be received in as little as one business day. Automatic payments. Great for bills that stay the same each month, like your rent and your car loan. Message Center. Get quick answers to any questions you might have. What do I need to know? Gladewater National Bank will experience the following changes: Gladewater National Bank s Bill Pay Service interruption will occur November 30, 2018 at 5:00 p.m. Service will resume on Monday, December 3, 2018. IMPORTANT REMINDER: Scheduled payments: Users can create bill payments until 5:00 p.m. on November 30, 2018.

Remote Deposit Capture (Business customers only) WHAT IS IT? Remote Deposit Capture is a quick way to get checks deposited into your account without leaving your office. Key advantages of Remote Deposit Capture: Make your funds available faster. Make deposits anytime. Save time preparing deposits. Cut costly courier fees or trips to the bank. Reduce risk of check fraud. IS REMOTE DEPOSIT CAPTURE FOR YOU? Does your business: Have multiple locations? Make deposits after normal banking hours? Pay transportation costs to deliver deposits? Receive checks with large dollar amounts? If you answered YES to any of the above questions, then Remote Deposit Capture could benefit your company. It s like having a 24-hour teller right in your office.

Debit/ATM Card WHAT DO I NEED TO KNOW? Will my current Debit/ATM card still work? Yes. Your current card will work through December 2, 2018. During the week of November 26, 2018, watch for your new Citizens Bank MasterCard Debit/ATM card to arrive in the mail. You may activate your card by calling the number listed on the label affixed to the front of the card. At that time you will also select your PIN. Although the card can be activated, it will not be operational until December 3, 2018. Important: Use your Gladewater National Bank Debit/ATM card through December 2, 2018. Beginning December 3, 2018, use your new Citizens Bank Debit/ATM card. You may experience incremental issues throughout that weekend with your current Debit/ATM card(s). Shazam Bolt$ Debit Card/ATM Card Fraud Protection WHAT IS IT? Shazam Bolt$ allows you to turn your debit card on or off anytime. When it s off, no one can use your card. Turn it on when you re ready to use it again. The benefits of Shazam Bolt$ Helps safeguard your card from fraud. Lets you define areas where your card can t be used. Limit purchases by the type of merchant. Instantly change your settings giving you complete control.

Citizens Bank Banking Products Telephone Banking No changes have been made to your current telephone banking number 903-984-1676. Important: When accessing the telephone banking system after the conversion date on December 3, 2018, you will be prompted to enter your PIN. Your initial PIN will be the last 4 digits of your SSN. You will then be prompted to create a new PIN. Statements Will my statements remain the same? Yes. The only change will be the Citizens Bank logo on the statement. Important: We encourage our new customers from Gladewater National Bank to enroll in electronic statements. (E-statements). E-statements reduce the possibility of fraud and ensure that your statements are received faster than mailed statements. Business Banking Products Bill Pay Debit Card (Shazam) Debit Card Fraud Protection (Shazam Bolt$) Cash Management Certificates of Deposit/IRA Checking/Savings/Money Market Commercial Loans Construction Financing/Equipment Financing E-statements Merchant Card Services Mobile Banking/Alerts Online Banking Online Education Remote Deposit Capture (Express Deposit) Safe Deposit Box SBA Preferred Lending Options Trust Services Wire Transfers Personal Banking Products Bill Pay Debit Card (Shazam) Debit Card Fraud Protection (Shazam Bolt$) Certificates of Deposit/IRA Checking/Savings/Money Market Consumer Loans Construction Financing/Equipment Financing E-statements Mobile Banking/Alerts Mobile Deposit Capture Online Banking Online Education Residential Real Estate Loans Safe Deposit Box Trust Services Wire Transfers

Checks Will my current checks still be valid? Yes. You can use your current checks through December 2, 2018. You should receive your new Citizen Bank checks in the mail the week of November 26, 2018 at no cost to you. You will not be able to use your new checks until December 3, 2018. To prevent fraud, please bring in your old checks to any Citizens Bank location to be shredded after December 3, 2018. If requested, you will be refunded your cost of any unused Gladewater National Bank checks. Account Numbers Will my account number/routing number change? No. Your account number will remain the same. Yes. Your routing number will change from 111910445 to 111922624. Do I need to update my direct deposit information? No. You do not need to do anything. We are working behind the scenes to ensure all of these electronic items will be rerouted correctly to Citizens Bank. Will my wire instructions change? Yes. The routing number used for wires will change to the Citizens Bank routing number 111922624. Do my accounts have FDIC coverage? Yes. You will have the same FDIC coverage that you have now.

Loans Will the interest rate, term and conditions change on my loan? No. The interest rate on your current loans will not change prior to their stated maturity. Should I direct my loan payment somewhere else? No. Continue to make payments in the normal manner. Certificates of Deposit (CDs) Will the terms of my CD change? The interest rates on your current CDs will not change prior to their stated maturity. General Is the ownership of my bank changing? Yes. On October 1, 2018, Gladewater National will merge with and into Citizens Bank and the name will change to Citizens Bank. The staff will remain the same. For any additional questions, please contact Luke Kimbrough or Jeanene Jalomo at (903) 845-5566.

BANKING CENTER LOCATIONS Bryan/College Station Kilgore (Main Bank) Plano DPO/LPO Carthage Kilgore (In-Store) Sour Lake Center Humble The Woodlands 3111 University Drive East Bryan, Texas 77802 425 NW Loop 436 Carthage,Texas 75633 140 Austin Street Center, Texas 75935 Gladewater 678 North Main Street Gladewater, Texas 75647 301 East Main Kilgore, Texas 75662 747 U. S. Highway 259 North Kilgore, Texas 75662 8811 FM 1960 Bypass Road West Humble, Texas 77338 Kountze 1055 South Pine Kountze, Texas 77625 5151 Headquarters Drive, Suite 165 Plano, Texas 75024 125 Highway 326 South Sour Lake, Texas 77659 3705 College Park Drive The Woodlands, Texas 77384 Yorktown 311 E. Main Street Yorktown, Texas 78164