Citizens Bank

Meet Our People - Trust

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Todd Brown
Vice President & Trust Officer
614-210-2437
800.604.9368 Toll Free

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Todd is a Vice President and Trust Officer with over 12 years of experience in banking, trust and investment management. He graduated with a B.A. in Finance from Ohio University. He has his General Securities Representative Registration (Series 7). Todd is actively involved in his community through affiliations with Rotary Club of Columbus, United Way Young Leadership Group, Athletic Club of Columbus and The Childhood League.

J. David Hoskins
Vice President & Trust Officer
937-653-1176
800.604.9368 Toll Free

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David is a Trust Officer with over 12 years of experience in banking, trust and investment management. He graduated with a B.A. in Finance and an emphasis in Investments at Cedarville College in Ohio. David holds his General Securities Representative License (Series 7) as well as the Ohio Life and Health Insurance licenses. David is actively involved in his community through affiliations with Kiwanis, Springfield Arts Council, Community Leadership Academy, Junior Achievement, United Way, and Southgate Church. Dave has offices in Urbana and Troy Ohio.

George Steinemann, AIF^®
Senior Vice President & Managing Director
419-627-4530

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George Steinemann is a graduate of Sandusky High School; Hobart College in Geneva, New York (B.S. - Biology) and the University of Wisconsin at Madison (M.A. - Business). A financial advisor since 1999, he is responsible for over $135 million in investment assets. He serves on the board for both the Erie County Health Department and Sandusky Maritime Museum. His office is located in Citizens Bank building in downtown Sandusky.

James V. Saccardi, AIF^®
Trust Investment Manager
419-627-4672

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Jim earned his Bachelors degree from Baldwin-Wallace College, Masters in Education from Bowling Green State University and his MBA from Case Western Reserve University with concentration in Investment Management and Analysis. Jim also holds a Series 7, 55,63, and 65 securities licenses.

Trust Services offered by the Citizens Banking Company

Champaign Bank is part of the Citizens Banking Company and deposits held at each of its facilities are not separately insured by FDIC.

Citizens/Champaign Bank will never ask you for account or personal information via email or a link to a website. If you received a suspicious email and provided your account or personal information, contact Customer Service immediately at (888) 383-5133.

For your convenience, Champaign Bank offers various links that may direct you away from the Champaign web site. Champaign Bank is not responsible for content or security of these web sites.
NOTICE OF CHANGES IN TEMPORARY FDIC INSURACE COVERAGE FOR TRANSACTION ACCOUNTS- All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31,2010, through December 31,2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account " includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov. .