Message from the President

Citizens Bank Minnesota is a community-owned and operated bank, with its main office located in New Ulm and branch offices in Lafayette, La Salle, and Lakeville, Minnesota. In June of 2009 we opened our newest online branch, eWorld. Chartered in 1876, Citizens Bank Minnesota is one of the oldest banks in Minnesota with over 135 years of strength and stability. We take pride in the fact that not only are we a community bank, as demonstrated by our aggressive participation and assistance in the growth and prosperity of the communities that we serve, but also that we are community-owned, with our stock widely held by residents of this area. Community ownership requires us to be sensitive to the needs of our customers and to provide our services at reasonable costs. It also allows us to be flexible to meet your unique financial needs.

Bauer Financial, an independent bank rating company, consistently awards Citizens Bank Minnesota their highest 5-Star rating. This rating is based on liquidity and several measurements of safety and security. For more information on the ratings and what they mean, visit www.bauerfinancial.com.

It is our hope that you will find our website to be both informational and user friendly. It is intended to provide you complete and accurate information about all of the products and services offered by our bank. Additionally, the online banking and application service will allow you to conduct almost all of your banking business from the comfort of your home or wherever it is convenient for you.

Your feedback is important to us. After you have toured our website, we would appreciate any comments you may have as to how we can make our Internet service the best possible.

We are confident that we are able to provide you with the best online banking service available.

Sincerely,

Lou Geistfeld

President