Community Reinvestment Act

Community Reinvestment Act Notice

Federal Community Reinvestment Act (CRA) Notice
Performance Evaluation	Under the Federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The FDIC also takes this record into account when deciding on certain applications submitted by us. Your involvement is encouraged.
Public Access Rights	You are entitled to certain information about our operations and our performance under the CRA, including, for example: Information about our branches, such as their location and services provided by them the public section of our most recent CRA Performance Evaluation, prepared by the FDIC Comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.
Examination Schedules	At least 30 days before the beginning of each quarter, the FDIC publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from the Regional Director, Division of Compliance and Consumer Affairs, Federal Deposit Insurance Corporation, 300 South Riverside Plaza, Suite 1700, Chicago, Illinois 60606.

CRA Comments & Institutional Submission Vectors
Written Submissions	You may send written comments about our performance in helping to meet community credit needs to: TROY FENDER, VICE PRESIDENT, CLAY COUNTY STATE BANK 111 NORTH CHURCH STREET P.O. BOX 248 LOUISVILLE, ILLINOIS 62858 and to the FDIC Regional Director. Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public.
Electronic Submissions	You may also submit comments electronically through the FDIC’s Website at www.fdic.gov/regulations/cra. You may ask to look at any comments received by the FDIC Regional Manager. You also may request from the FDIC Regional Manager an announcement of our applications covered by the CRA filed with the FDIC.
Holding Company Filings	We are an affiliate of Clay County State Bancshares, Inc., a bank holding company. You may request from the Deputy Controller, Federal Reserve Bank of St. Louis, P. O. Box 442, St. Louis, MO 63166, an announcement of applications covered by the CRA filed by bank holding companies.

State of Illinois Community Reinvestment Notice
Regulatory Authority	The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged.
State Comments	You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.