Common Contracts

UNITED STATES OF AMERICA BEFORE THE

February 2nd, 2010

• Filed
  February 2nd, 2010

WHEREAS, in recognition of their common goal to maintain the financial soundness of Citizens Bancshares, Inc., Edmond, Oklahoma (“Bancshares”), a registered bank holding company, and The Citizens Bank of Edmond, Edmond, Oklahoma (the “Bank”), a state chartered bank that is a member of the Federal Reserve System, Bancshares, the Bank, the Federal Reserve Bank of Kansas City (the “Reserve Bank”), and the Oklahoma State Banking Department (the “Department”) have mutually agreed to enter into this Written Agreement (the “Agreement”); and