PRIVACY POLICY

SEPTEMBER, 2009

Introduction

At Citizens First National Bank, the basis of each customer relationship, many of which span generations, is trust. You have chosen to do business with Citizens First National Bank, and we are obligated to honor that relationship with great care, beginning with the information you have chosen to share with us. We believe your privacy should not be compromised. At the same time, we want to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the privacy policy outlined below.

I. Recognition of a Customer's Expectation of Privacy

At Citizens First National Bank, we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our customers’ trust. Thus, the safekeeping of customer information is a priority for Citizens First National Bank. We do not sell information about you to marketers who may want to offer you their own products and services. You do not need to take any action to prevent the disclosure of information.

II. Categories of Information We Collect

We collect and use various types of nonpublic personal information (information) to service your accounts, save you time and money, and to better respond to your needs.

There are five (5) types of information we may gather:

i. Application Information - this is information, such as your assets, income and debt, which you provide to us on applications and through other means.

ii. Transaction and Experience Information - this is information about your transactions and account experience; for example, your account balances, payment history, parties to transactions and credit card usage; or information about our communications with you, such as your requests for copies of checks and our responses.

iii. Consumer Report Information - this is information we would receive from a consumer reporting agency, such as your creditworthiness or your credit history.

iv. Information from Outside Sources - examples of this type of information would include information regarding your employment, credit and other relationships with you, or to verify representations made by you, such as your employment history, loan balances, credit card balances and your property insurance coverage.

v. Other General Information - this is information, such as demographics, that is not gathered or used by us for the purpose of determining your eligibility for a product or service.

III. Categories of Information We Disclose and Parties To Whom We Disclose

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

IV. Managing Information with Companies That Work For Us

We may disclose any of the five types of information identified in Section II of this Policy with companies that work for us. These companies, which act on our behalf, are contractually obligated to keep any information we furnish them confidential, and they can only use this information to provide the services we ask them to perform for you and us. Examples of these companies include financial service providers such as payment processing companies, and non-financial companies like check printers and data processing companies. These companies, for example, might help us in fulfilling your service requests or processing your transactions. In addition, we may share information about you with PrimeVest Financial Services (brokerage).

V. Disclosing Information in Other Situations

We may disclose any of the five types of information identified in Section II of this Policy to credit bureaus and similar organizations, and when it is required or permitted by law. For example, information may be disclosed in connection with a subpoena or similar legal process, in a fraud investigation, or in the recording of deeds of trust and mortgages in public records.

VI. Confidentiality and Security

We restrict access to information about you to those employees who need to know that information to provide products and services to you, or to maintain your accounts. We maintain physical, electronic, and procedural safeguards that comply with federal standards to safeguard your information.

Each Citizens First National Bank employee is required to follow our “Confidentiality Policy” which states that all customer information is considered private and privileged and is to be used solely for the purpose of providing you with the finest service available.

VII. Making Sure Information About You is Accurate

It is very important we keep your account information accurate and up to date. We provide you with several means by which you can access your account information, such as your bank statements, Telebanker (telephone banking) and Citizens Online (internet banking). If you believe your account information is incomplete, inaccurate or not current, please call us or write to us at the telephone number or address listed on your bank statement, or in other documents you have from us. We will promptly update or correct any erroneous information.

VIII. Reducing Direct Marketing You Receive from Other Companies

If you would like to reduce the amount of advertising you receive from other companies, you can contact the following agencies:

For advertising received in the mail:
DMA Mail Preference Service
Box 282
Carmel, NY 10512
www.dmachoice.org/MPS/protol.php

For advertising received by phone:
DMA Telephone Preference Service
Box 559
Carmel, NY 10512
www.the-dma.org/cgi/offtelephonedave

National Do Not Call Registry:
www.donotcall.gov

For advertising received by e-mail:
E-mail Preference Service
c/o Direct Marketing Association
www.dmaconsumers.org/emps.html

When you contact any of the above addresses, be sure to include complete information about each name, address, telephone number and e-mail address you would like excluded from these lists. If you have moved in the past year, also include your old address and phone number. The same is true for name changes and the addresses and phone numbers associated with each name.

IX. Providing Privacy Information to Customers and Responding to Inquiries

Citizens First National Bank recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed these Privacy Principles which are made readily available to our customers. Customers who have questions about this Privacy Policy or have a question about the privacy of their customer information should call the Compliance Officer at 815-875-4444 or e-mail us at citizens@citizens1st.com.

About Children's Online Privacy:

The Children's Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to, and which knowingly collect information from, children under the age of 13. Citizens First National Bank's websites and online services are not directed to children under the age of 13, nor is information knowingly collected from them. For additional information on COPPA protections, link to the Federal Trade Commission's website at www.ftc.gov/privacy/privacyinitiatives/childrens. For further information, the Federal Government has creaded a Web site, Kidz Privacy, aimed at educating both parents and children about the dangers of the Internet and how to browse safely.