Disclosures

NOTICE OF YOUR FINANCIAL
PRIVACY RIGHTS


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
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 to 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. 
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.



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