Lobby Access Limited

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Dear Customers,

To protect the health and safety of our staff, customers and communities during these uncertain times, we are modifying our operating procedures effective immediately and until further notice. Our banking office lobbies will only be accessible by appointment. Banking transactions are being conducted through our drive-up facilities. Our Richmond Hill office is offering curbside service.

In order to manage the number of people in our lobbies at one time and minimize the risk to everyone, please call your branch to schedule a time for lobby access to conduct transactions which cannot be completed in our drive-up facilities or via electronic channels, including commercial change orders and safe deposit box access. Please contact your banker to coordinate loan transactions, most of which can be completed using electronic channels. Please also utilize our ATMs and our internet (www.citizensga.com) and mobile banking channels for access to account information and transaction processing.

Our dedicated team of bankers is available to assist you by phone or email. Please feel free to call us at any time. Additionally, please rest assured that this modification in procedures is for health and safety reasons only; your money is safe and available, transactions are being processed as scheduled, and the bank has adequate resources to meet your needs now and in the future.

We know that this is a stressful time for everyone. We are here for you, we are all in this together and, calmly working together, we will get through this crisis just as we have gotten through challenges in the past. Thank you for your patience, your understanding and for allowing The Bank of Choice to serve you.