We are required by law to give you this privacy notice. It describes our policies and practices that protect your privacy and enable us to share information to make available competitive financial products and services. These practices are followed by Citizens National Bank (CNB) and its affiliate, First Citizens, Inc. This notice applies to all. If you have any questions after reading it, please contact us at (800) 465-7641.

The Directors, officers and staff of CNB are concerned about and respect the privacy of our customers' personal financial information. Our customers furnish sensitive information to us daily; they expect privacy and security for their personal and financial affairs. We are committed to treating customer personal information responsibly.

CNB will take the necessary steps to safeguard sensitive information you may entrust to us.

Types of Information We Collect

We collect nonpublic personal information about you from:

• Information we receive from you on applications and other forms.
• Information about your transactions with us, our affiliates or others including those companies that work closely with us to provide you with diverse financial products and services.
• Information we receive from a credit reporting company.

We use this information to service your account and to provide you with the latest information regarding financial products and services.

Types of Information We Disclose

We may disclose nonpublic personal information about you to the following types of affiliates and nonaffiliated third parties: Financial service providers, such as insurance agents and security broker-dealers. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Information About Former Customers

The Bank does not release nonpublic personal information about former customers to outside third parties.

Information Disclosed to Service Providers and Joint Marketers

We may disclose all of the information we collect, as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

State Law

CNB will comply with the provisions of State law to the extent those provisions provide greater consumer protection than the Federal privacy rule.

Fair Credit Reporting Act Disclosure

We are permitted by law to share information about our experiences or transactions with you or your account (such as your account balance and your payment history with us) with companies related to us by common ownership (affiliates). We may also share additional information about you or your account (such as information we receive from you in applications and information from credit reporting agencies) with our affiliates. You may direct us not to disclose to our affiliates information that does not relate solely to our affiliates' experiences or transactions with you or your account (such as application information and credit bureau information) by calling us at 800-465-7641.

Safeguarding Customer Information

At CNB we maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information. We protect consumer privacy by ensuring that only employees who have a business reason have authorization for accessing customer information.

Citizens National Bank also maintains a partnership with Digital Insight to provide encryption, firewalls, and secure servers to assure appropriate security for our Online Banking. You can learn more about these security features by accessing www.diginsite.com/security clicking the appropriate link at the bottom of the Online Banking registration screen.

On-Line Privacy

We track the number of hits on our site, the number of times each page has been visited and the host or domain name and the number of requests from that server. We gather this statistical information to evaluate the usefulness of our site.

About Cookies

A "cookie" is a small piece of information (a text file), which a web server can store temporarily with a web browser. Once the cookie is stored, the site's web server can later retrieve that information for that browser.

For example, when a person browses through an "online shopping mall" and adds items to a "shopping cart" while continuing to shop, your browser stores a list of the items that have been added to the cart so that the user can pay for all of the items at once when he is finished shopping. It's much more efficient for each browser to keep track of information like this than have the web server remember who bought what, especially if there are thousands of people using the web server. Any cookies that are sent to a browser are stored in the computer's memory. When the browser is closed, any cookies that haven't expired are written to a cookie file so they can be reloaded next time the browser is used.

Online banking uses a different kind of cookie known as a session cookie, a non-persistent cookie, or a pre-expired cookie. These cookies are placed temporarily and are never stored to the user's computer memory. Instead, these pre-expired cookies are used as part of the stringent security measures in the Online Banking product. As the end user navigates through Online Banking a pre-expired cookie is set each time a page is viewed. Because the HTML page they are viewing is not "cached", it must always be re-retrieved from the server.

The pre-expired cookies keep the session alive until the end user logs out properly or times out of Online Banking. Once this occurs, the end user must login with their User ID and Password to gain access again. This ensures that another user using the same computer cannot access the previous session. This is the only type of "cookies" collected from our web site.

Web Links

We are not responsible for the collection, use or security of information by companies or organizations outside of the Citizens National Bank that may be linked to our web site. Consumers are encouraged to read the privacy policies of web sites reached through the use of links from Citizens National Bank web site.

Children's Online Information Privacy

From our web site, we do not knowingly collect or use personal information from children under age 13 without obtaining verifiable consent from their parents. Should a child whom we know to be under age 13 send personal information to us, we will only use that information to respond directly to that child, seek parental consent, or provide parental notice. We are not responsible for the data collection and use practices of nonaffiliated third parties to which our web site may link.