*This communication was prepared for the benefit and internal use of the person or entity to whom it is delivered (the “Recipient”), and is not intended for redistribution by Recipient to outside persons or entities. The content of this document or any similar communications is not intended as, nor shall be deemed to constitute or contain, advice on which the Recipient may rely, is not tailored or individualized for any particular situation, does not constitute in any way research or conclusions of Citizens Business Bank (“CBB”), and should not be treated as such by any Recipient. This document is not intended, nor should it be relied upon, to address every aspect of or topic on the subject discussed herein. The Recipient and its management is solely responsible for determining how to best protect itself against cyber threats and for selecting the cybersecurity best practices that are most appropriate to its needs. CBB assumes no responsibility or liability whatsoever to any customer or other person or entity in respect of such matters, and nothing within this document or any similar communication shall modify, amend or override the terms and conditions in any agreement(s) or disclosures applicable between CBB and the Recipient or any other person or entity.