BANKING

REGIONS BANK of Atlanta, Georgia, and CHASE BANK of New York, both with offices in Austin, Texas, are CITIZENS' primary banking institutions. Regions and Chase are two very important U.S.A. banks. For references concerning CITIZENS, please contact the offices of Regions at 4314 West Braker Lane, Austin Texas, 78759, telephone number (512) 372-2300; or Chase at 700 Lavaca Street, Austin, Texas, 78701, telephone number (512) 479-2444, and ask for the Chairman or President. (Web addresses http://www.regions.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; telephone number (512) 478-9881. (Web address - 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 trade (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 fortunate 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, N.A. is the CITIZENS' stock registrar and transfer agent. It maintains the records and lists of stock ownership and executes all transfers between parties. The address for Computershare Trust Company, N.A. is 250 Royall Street, Canton, MA 02021; telephone number 1-877-785-9659 (U.S.A.), or 781-575-4621 (outside U.S.A.). (Web address-http://www-us.computershare.com)

FEDERAL & STATE REGULATORS

CITIZENS, Inc. (CIA) and CICA LIFE Insurance Company of America (CICA LIFE) are State of Colorado chartered companies. CIA is a federal chartered financial investment holding company, 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 Information.