Investment decisions made today play an important role in obtaining your financial security tomorrow. Citizens Business Bank's Diversifier Certificate of Deposit Placement Program offers the peace of mind in knowing your deposit is safe, while allowing you to earn a competitive rate of return with a diversified portfolio.

Managing what you have saved for the future requires spending valuable time shopping interest rates, completing bank forms and tracking interest payments and maturities. The Diversifier Certificate of Deposit Placement Program helps reduce the time involved by allowing you to make one telephone call to handle all of these tasks.

Enjoy the safety and security of FDIC insurance on amounts up to $100,000 -- To guarantee that each certificate of deposit is federally insured by the Federal Deposit Insurance Corporation (FDIC), funds are placed in maximum increments of $100,000 and invested at separate institutions across the United States.

Shop competitive certificate of deposit interest rates quickly and easily -- To access a large array of well-capitalized financial institutions across the United States and compare interest rates takes many telephone calls. Tell us the amount of money and the period of time you would like to invest and we will make the necessary calls to locate the most competitive interest rates. Institutions in which the funds are placed must meet specific capital standards and are surveyed regularly to ensure their safety.

Consolidate all your monthly statements into one simple summary -- To reconcile multiple statements from other financial institutions requires a great deal of recordkeeping. We will provide you with a simple monthly summary detailing all the certificates of deposit placed in your current Diversifier Certificate of Deposit Placement Program portfolio. Year-end reporting is made easier as well with a consolidated tax form.

Make more efficient use of time and improve management of your funds while taking advantage of the highest quality of service -- To eliminate the time-consuming task and responsibility of finding a financial institution, calling for current interest rates, standing in line to open a new account, and tracking interest payments and maturities, let Citizens Business Bank do the work.

With the Diversifier Certificate of Deposit Placement Program you sign one agreement, select the desired term, and upon your request, funds are invested at the specific financial institution you have selected.

Monthly interest payments on your certificates of deposit are automatically deposited into your Citizens Business Bank account.

Upon the maturity of your certificates of deposit, a Personal Investment Representative will contact you for further investment instructions.

When you invest in the Diversifier Certificate of Deposit Placement Program through Citizens Business Bank, you gain the comfort of knowing your future financial security is being guarded, while saving time and simplifying your investment decisionmaking.

Subject to penalties if withdrawn before maturity.

For more information about Citizens Business Bank's Diversifier Certificate of Deposit Placement Program, please contact LaVon Short in the Investment Services Department at (909) 481-2182.

In today's rate environment, managing your cash reserves for maximum earning power is more challenging than ever.

Many businesses spend countless hours trying to manage their excess funds – transferring idle cash to and from higher yielding accounts to maximize earnings. Citizens Cash Manager automatically manages your cash allowing you to focus on more important issues.

As your cash position changes from day to day, Citizens Cash Manager gives you the ability to respond immediately to cash flow needs. Your checking account will be linked automatically to a high quality money market fund that seeks maximum earning power, instant liquidity and a simplified statement of fund activity.

Citizens Cash Manager works within your specific cash reserve requirements. Any balance above a predetermined target amount is automatically swept into a money market fund, on a daily basis. Any time your checking account balance falls below the target amount, shares of the fund are automatically redeemed and the money is transferred back to your checking account to cover your transactions. No longer will you have to make time-consuming telephone calls or monitor account balances.

Citizens Cash Manager was designed to help maximize your earning potential by providing flexible money market fund options. These high quality funds provide liquidity and seek to maintain a net asset value of $1.00 per share. However, the yield for the money market funds may vary with market conditions.

Unlike your bank checking or savings account, which is insured by the Federal Deposit Insurance Corporation (FDIC), investments in money market funds are neither insured nor guaranteed by the FDIC. There can be no assurance that the funds will maintain a net asset value of $1.00 per share.

Benefit From These Unparalleled Advantages

Maximizes use of funds—Excess cash remains invested at all times and is withdrawn only when it is needed; enhancing your earning power and improving your profitability.

Eliminates overdrafts—Needed funds are automatically swept from your money market fund into your checking account to cover transactions, avoiding costly overdrafts.

Assures liquidity—You always have immediate access to balances in the money market funds.

Makes more efficient use of time—Eliminates the time-consuming responsibilities of managing and timing transfers of idle cash.

Consolidates all financial transactions under one roof—There is no need to maintain several types of accounts at separate financial institutions.

We bring this program to you with the expertise of one of the nation's leading money market fund groups, Blackrock Provident Institutional Funds, who has been at the forefront in meeting the cash management needs of businesses like yours for over two decades. They maintain a tenacious commitment to disciplined investment principles—with preservation of principal and liquidity at the core.

For more information about Citizens Cash Manager Program, please contact LaVon Short in the Investment & Brokerage Services Department at (909) 481-2182.

Investment products are not insured by the FDIC or any government agency. They are not obligations or deposits of the Bank, nor guaranteed by the Bank. They involve investment risks, including the possible loss of the principal amount invested.

Now you can invest up to $1 million and still be eligible for FDIC insurance on every dollar. Through CDARS, we will place your funds with multiple FDIC-insured institutions, permitting you optimal FDIC insurance coverage. You will enjoy the simplicity of working with just one bank—one relationship.

For more information about CDARS, please contact LaVon Short in the Investment & Brokerage Services Department at (909) 481-2182.