Customer Privacy Disclosure | Citizens National Bank of Texas - Since 1868


	Rev. August 2013

FACTS	WHAT DOES CITIZENS NATIONAL BANK OF TEXAS DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include:
	• Social Security number • Account balances • Payment history • Transaction or loss history	• Overdraft history • Account transactions • Contacts to pay using Zelle^® • Calendar events
	When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Citizens National Bank of Texas chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information		Does Citizens National Bank of Texas share?	Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus		Yes	No
For our marketing purposes - to offer our products and services to you		Yes	No
For joint marketing with other financial companies		No	We don't share
For our affiliates' everyday business purposes - information about your transactions and experiences		No	We don't share
For our affiliates' everyday business purposes - information about your creditworthiness		No	We don't share
For nonaffiliates to market to you		No	We don't share
Questions?	Call toll-free 1-877-938-4300 or go to www.cnboftexas.com



What We Do
How does Citizens National Bank of Texas protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect our customer's information and we strictly enforce our employee confidentiality policy..
How does Citizens National Bank of Texas collect my personal information?	We collect your personal information, for example, when you
	• Open an account � Apply for a loan � Make deposits or withdrawals from your account	� Give us your contact information � Make a wire transfer
	We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only • sharing for affiliates' everyday business purposes - information about your creditworthiness • affiliates from using your information to market to you • sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. • Citizens National Bank of Texas has one affiliate: Town Square Title Co..
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. • Citizens National Bank of Texas does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Citizens National Bank of Texas doesn't jointly market.
Other Important Information
Special Notice For Texas Residents How to File a Complaint. We are chartered, licensed and/or registered under the laws of the State of Texas and by state law are subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against us should contact the Texas Department of Banking through one of the means indicated below: In Person or by U.S. Mail: Texas Department of Banking Consumer Assistance Activities 2601 North Lamar Boulevard, Suite 300 Austin, Texas 78705-4294 Telephone Number: (877) 276-5554 Fax Number: (512) 475-1313 E-Mail: consumer.complaints@dob.texas.gov Department Website: www.banking.state.tx.us Other Privacy Statement WEBSITE PRIVACY STATEMENT. Visitors to this bank Website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as: -Date and time our site was accessed -IP address (a numeric address given to servers connected to the internet) -Web browser used -City, State, Country The bank uses this information to create summary statistics & to determine the level of interest in information available on our site. Visitors may elect to provide us with personal information via E-mail, online registration forms, or our guest book. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations. Some areas of our website may use a "cookie" temporarily stored in the visitor's computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.

Privacy Model Disclosure VMP® Bankers Systems™ Wolters Kluwer Financial Services © 2010		PRIV-MODEL 8/1/2010
2012.1/1412 3821079-010 Custom