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Champaign Bank Returns a Popular Banker
To The Urbana Business Community

Urbana, OH, September 30, 2008 – Champaign Bank today announces William J. Heitman will return to the Urbana office.
Heitman, who has more than 35 years of banking experience, returns to Champaign Bank’s Urbana team as Vice President, Commercial Lending where he will provide vision, philosophy and solid financial advice for local businesses.

“With his vast experience, we are excited to have William back in Urbana,” said Denny Guerra, Senior Vice President, Commercial Lending. “We are constantly striving to offer the most knowledgeable business experience possible, and William certainly fits the bill. And, with his ties to various boards in the Urbana market, William will be a huge asset to local business owners."

Heitman is located at the Champaign Bank location at 601 Scioto Street in Urbana and can be reached at 937-653-1186 or wheitman@ChampaignBank.com.

Champaign Bank is a full service financial institution offering deposit, loan, investment and insurance products. The bank prides itself on providing the products, services, and guidance that customers need to meet their life stage goals.

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

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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. .