Financial Relationships 

BANKING

Regions Bank of Birmingham, Alabama, Capital One of McLean, Virginia, and Chase Bank of New York, each with offices in Austin, Texas, are Citizens' primary banking institutions. Regions, Capital One, and Chase are well-established U.S.A. banks. For references concerning Citizens, please contact the offices of Regions at 100 Congress, Austin, TX 78701, telephone number (800) 734-4667; Capital One at 7200 N. MoPac, Austin, TX 78731, telephone number (512) 342-6000; or Chase at 700 Lavaca Street, Austin, TX, 78701, telephone number (512) 479-2444. (Web addresses http://www.regions.com, http://www.capitalone.com & http://www.chase.com)

ACCOUNTING

Ernst & Young LLP is the public accounting firm providing consulting and auditing services to Citizens.  For references, contact Ernst & Young LLP, 401 Congress, Suite 1800, Austin, Texas 78701; Phone: (512) 478-9881. (Website:  - http://www.ey.com)

STOCK EXCHANGE

The New York Stock Exchange (NYSE), located in New York City, the financial capital of the world, is the stock exchange on which Citizens' shares are listed and traded (Web address - http://www.nyse.com). The NYSE is the largest and most prestigious exchange in the world. It provides an auction market for shares of important companies qualified to be listed thereon. Citizens' stock purchases and sales are processed through the NYSE and reported worldwide within 90 seconds of any trading activity.

STOCK TRANSFER AGENT

Stock Transfer Services - Computershare Trust Company, NA is the stock registrar and transfer agent for Citizens, Inc. Class A common stock. Computershare maintains the records and lists of stock ownership and executes all transfers between parties.

Computershare Trust Company, NA
211 Quality Circle, Suite 210
College Station, TX 77845
Toll Free Number: 877-785-9659
Outside the United States: 781-575-4621 (International Dial Direct)
Website: www.computershare.com/us

FEDERAL & STATE REGULATORS

Citizens and CICA LIFE are State of Colorado domiciled companies. Citizens is registered and regulated by the U.S. Securities and Exchange Commission (SEC). Current electronic filings with the SEC are available at http://www.sec.gov./cgi-bin/srch-edgar?0000024090 and in this web site under Investor Relations.