0001104659-09-015160 Sample Contracts

UNITED STATES DEPARTMENT OF THE TREASURY Washington, D.C. 20220 March 6, 2009
Citizens Bancshares Corp /Ga/ • March 6th, 2009 • State commercial banks • New York

Reference is made to that certain Letter Agreement incorporating the Securities Purchase Agreement — Standard Terms dated of as of the date of this letter agreement (the “Securities Purchase Agreement”) between United States Department of Treasury (“Investor”) and the company named on the signature page hereto (the “Company”). Investor and the Company desire to amend the Securities Purchase Agreement as follows:

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March 6, 2009
Citizens Bancshares Corp /Ga/ • March 6th, 2009 • State commercial banks • New York
UNITED STATES DEPARTMENT OF THE TREASURY Washington, D.C. 20220
Citizens Bancshares Corp /Ga/ • March 6th, 2009 • State commercial banks • New York

Reference is made to that certain Letter Agreement incorporating the Securities Purchase Agreement — Standard Terms dated of as of the date of this letter agreement (the “Securities Purchase Agreement”) between United States Department of Treasury (“Investor”) and the company named on the signature page hereto (the “Company”). Capitalized terms used but not defined herein shall have the meanings assigned to them in the Securities Purchase Agreement.

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