NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

This is our privacy notice for our customers.  When we use the words "you" and "your" we mean the following types of customers:

• All of our consumer customers who have a continuing relationship with us such as:
  • Deposit Account
  • Loan Account
  • Safety deposit box
  • Retail installment contract we hold and service
  • Self-directed IRA where we act as custodian or trustee
  • Financial, investment, economic advisory services (for a fee)
  • Home Mortgage brokerage
• All former customers

 We will tell you the sources for nonpublic personal information we collect on our customers.  We will tell you what measures we take to secure that information.  We will first define some terms.

 We, our, and us means Citizens National Bank.

 Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you.  Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

 An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us.  Ownership does not mean complete ownership, but means owning enough to have control.

 A nonaffiliated third party is a company that is not an affiliate of ours.

 THE INFORMATION THAT WE COLLECT

 We collect nonpublic personal information about you from the following sources: 

• Information we received from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

 We do not disclose any nonpublic personal information about you to anyone, except as authorized by law.

 THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES

Since we value our customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS

If you decide to close your account(s) or become an inactive customer, we will follow the privacy policies and practices as described in this notice.