Privacy Policy and Procedures

The directors, management and staff of Citizens National Bank are concerned about and respect the privacy of our customers' personal financial information.  We understand that our customers furnish sensitive information to the bank in the course of daily business, and the bank is committed to treating such information responsibly.  We know that our customers expect privacy and security for their personal and financial affairs.

The bank will take all the necessary steps to safeguard sensitive information that has been entrusted to us by our customers.  The following privacy policy outlines our bank's practice regarding personally identifiable financial information for consumers and those consumers who become our customers.

Types of Information the Bank Collects

The bank collects nonpublic personal information directly from consumers on various applications and forms, for  example, loan applications, deposit account applications, and requests for information about accounts or products and services.

The bank also collects information as a result of transactions between the bank and our customers and as a result of providing a product or service to our customers.  This includes transaction information from checks, debit cards, credit card, automated teller machine (ATM) cards, and electronic transfers (e.g., home banking or automated clearinghouse (ACH) transactions).

Nonpublic personal information does not include that which the bank obtains from government records, widely distributed media, or government-mandated disclosures.

Types of Information the Bank Discloses

The bank does not now, nor does it intend in the future, to disclose any personal financial information to any nonaffiliated or affiliated third party.  By law the bank may disclose certain personally identifiable information without allowing consumers the right to opt out of  the bank's sharing agreements in the following circumstances:

To companies who perform transaction processing for the bank in the following circumstances:

If the transaction, service, or product is requested or authorized by the consumers

To maintain or service a consumer's account as part of a private label credit card or other loan extension program

In connection with a securitization, secondary market sale (including servicing rights), or similar transaction related to a consumer

To disclose information necessary to enforce the bank's legal or contractual rights or the rights of any other person who is engaged in the financial transaction

To disclose information required in the ordinary course of banking business, such as in the settlement of claims or benefits, the confirmation of information to the consumer or the consumer's agent, and the billing, processing, or clearing of items in the normal course of business

To provide information to insurance rate advisory organizations, guaranty funds or agencies, agencies that are rating the bank, persons that assessing the bank's compliance with industry standards, and the bank's attorneys, accountants, and auditors

To the extent permissible under the Right to Financial Privacy Act

To a consumer reporting agency under the Fair Credit Reporting Act

To comply with federal, state, or local laws, rules, and other applicable legal requirements

Safeguarding Customer Information

We protect consumer privacy of ensuring that financial information is limited to employees with a specific business reason for utilizing this data.  Our employees are educated about the importance of maintaining confidentiality and customer privacy.  If necessary, we take appropriate disciplinary steps to enforce our employees' responsibility to safeguard customer information.

In order to prevent unauthorized access to information, we maintain security standards and procedures that conform with industry practices.  These security standards and procedures are routinely tested to verify the integrity of our systems.

Visitor Privacy

Visitors to Citizens National Bank’s public web site at www.cnbbreckenridge.com remain anonymous.  Citizens National Bank does 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, and Country

The bank uses this information to create summary statistics and to determine the level of interest in information available on our site.

Disclosure of Privacy Principles to Customers

Citizens  National Bank continues to provide our customers with an understanding of its privacy principles.  Customers may learn more by calling 254-559-3333 or by visiting or writing us at 301 West Walker Street Breckenridge Texas 76424.