Privacy Statement

At Citizens National Bank, we know and understand how important protecting your financial privacy is to you. Concerns for customer privacy and confidentiality are cornerstones of banking. For these reasons, we have adopted the following privacy practices to assist you, our valued customer, in understanding the measures we take to protect your personal and financial information.

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

• Information we receive from you on applications or other forms
• Information about your transactions with us or others
• Information we receive from a consumer reporting agency.

Citizens National Bank does not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. However, we may disclose all the information we collect, as described above, to financial institutions with which we have joint marketing agreements. If you decide to close your accounts or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.

Citizens National Bank restricts access to your nonpublic personal information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.