Under the Federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the Credit needs of this community consistent with safe and sound operations. The FDIC also takes this record into account when deciding on certain applications submitted by us. Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA, including for example, information about our branches, such as their locations and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the FDIC; and comments received form the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.

At least 30 days before the beginning of each quarter, the FDIC publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from the Regional Manager of Compliance and Consumer Affairs, FDIC 500 West Monroe Street, Suite 3300, Chicago, Illinois 60661. You may send written comments about our performance in helping meet the community needs to Kat Mawhinney, CRA Manager, First Citizens State Bank of Whitewater, 207 West Main Street, PO Box 177, Whitewater Wisconsin 53190 and the FDIC Regional Manager. Your letter, together with any response by us will be considered by the FDIC in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the FDIC Regional Manager.

You also may request from the FDIC Regional Manager an announcement of our applications covered by the CRA filed with the FDIC.

We are an affiliate of Whitewater Bancorp, Inc., a Bank Holding Company. You may request from the Federal Reserve Bank of Chicago, 230 South LaSalle Street, Chicago, Illinois 60604 in announcement of application covered by CRA filed by Bank Holding Companies.