ATTENTION CITIZENS BANCSHARES CORPORATION SHAREHOLDERS:
As indicated in the 2020 Citizens Bancshares Corporation Proxy information: The Citizens Bancshares Corporation Annual Shareholders’ meeting planned  Wednesday, May 27, 2020, 11:00 a.m., ET will be held at our Corporate Headquarters office location at 230 Peachtree Street NW, Suite 2700, Atlanta, GA.

In order to protect the health and safety of our employees and shareholders, we are taking special precautions in connection with the Annual Meeting due to the health impact of the coronavirus outbreak (COVID-19).  These include limiting the Annual Meeting to the items of business on the Notice of Annual Meeting of Shareholders of Citizens Bancshares Corporation.  In addition, refreshments nor lunch will not be provided.

We also encourage shareholders who plan to attend the Annual Meeting to review the relevant guidance from public health authorities. Thank you for your attention to this very important message.