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COMMUNITY REINVESTMENT ACT STATEMENT

The Peoples State Bank is committed to serving the credit needs of the communities in which we do business. It is our policy to try to respond to all creditworthy segments of our market. We believe that doing so is basic to good business practice and to the bank's own long-term viability.

In pursuing this commitment, we will assure that we comply with the letter and spirit of the Community Reinvestment Act (CRA). We recognize that this will require us to take a proactive rather than passive approach to determining and meeting community needs, including those of creditworthy low- and moderate-income areas and individuals.

We make an active effort to know the people in local organizations concerned with community development and the needs of low- and moderate-income people. Further, we will supplement these regular channels at any time that we receive an indication that a community group has a concern about or request of our bank. Our policy is to agree to any reasonable request to meet with such organizations at a time and place convenient to that requesting organization. We will also endeavor to make a representative of senior management available whenever requested by a group that appears to represent a legitimate segment of our community. Our stance will to be as open, accessible, and flexible as possible.

The Peoples State Bank further believes that service to the communities in which its banks are located does not end with the lending function. In addition to loan services, the bank and its employees have: participated in community-based development corporations, organized small business and consumer seminars, participated in various community groups, surveyed customers to identify particular credit needs, provided technical and management counseling services to small businesses and has provided financial counseling services to consumers. The bank has also established an internal review program for declined loan applications, supported area schools through curriculum development, participated in government insured, guaranteed or subsidized loan programs, has donated funds to community groups and local charities and has invested in local municipal bonds and loans.

ASSESSMENT AREA

The primary assessment area of The Peoples State Bank of Mazomanie is defined as follows:

Block Numbering Areas 9508.00, 9510.00 and 9505.00 as well as Census Tract 0131.00. Included in the Block Numbering areas are the Villages of Arena, Barneveld, Hollandale, Ridgeway, and Spring Green as well as all, or portions, of the Townships of Arena, Brigham, Moscow, Ridgeway, Waldwick, Wyoming, Dodgeville, Spring Green, Bear Creek, and Troy. Included in Census Tract 0131.00 are the Villages of Mazomanie and Black Earth as well as all, or portions, of the Townships of Mazomanie, Black Earth, Roxbury, and Berry.

TYPES OF LOANS AVAILABLE

For a complete listing of types of loans available at The Peoples State Bank, please refer to the attached summary labeled TYPES OF CREDIT OFFERED.


COMMUNITY REINVESTMENT ACT NOTICE

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.

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 at them; the public section of our most recent CRA Performance Evaluation, prepared by the Federal Deposit Insurance Corporation, 500 West Monroe Street, Suite 3300, Chicago, Illinois 60661; and 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.

At least 30 days before the beginning of each quarter, the FDIC publishes a list of the banks that are scheduled for CRA examination by the FDIC in that quarter. This list is available from the Community Reinvestment Officer, Federal Deposit Insurance Corporation, 500 West Monroe Street, Suite 3300, Chicago, Illinois 60661. You may send written comments about our performance in helping to meet community credit needs to Gary S. Harrop, The Peoples State Bank, One Brodhead Street, Mazomanie, Wisconsin 53560 and the Community Reinvestment Officer, Federal Deposit Insurance Corporation, 500 West Monroe Street, Suite 3300, Chicago, Illinois 60661. Your letter, together with any response by us, will be considered in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the FDIC. You may also request from the FDIC an announcement of our applications covered by the CRA filed with the FDIC. We are an affiliate of a one-bank holding company, Iron Horse Bancshares, Inc., One Brodhead St., Mazomanie, WI 53560. You may request from the Community Reinvestment Officer, Federal Deposit Insurance Corporation, 500 West Monroe Street, Suite 3300, Chicago, Illinois 61661, an announcement of applications covered by CRA filed by bank holding companies.