At Clinton National Bank it is important that we protect our customers accounts and personal privacy. We are committed to servicing the needs of our customers and will take all reasonable steps necessary to protect the privacy of their relationship with us. Our customers are protected not only by applicable state and federal law, but by Clinton National Bank's commitment, as well.

INFORMATION WE COLLECT

We collect nonpublic personal information from the following sources:

- Information we receive from customers on applications or other forms,

- Information about customer transactions with us, our affiliates, or others,

- Information we receive from a consumer-reporting agency.

NO DISCLOSURES OUTSIDE OF EXCEPTIONS

We do not disclose any nonpublic personal information about our customer or former customers to anyone, except as permitted by law. We use and retain the information collected from our customers only where we reasonably believe that it will help administer our business, provide products and services, or comply with applicable laws and regulations.

We may disclose nonpublic personal information about our customer or former customers under the following exceptions: (1) by customer request or authorization; (2) the information is provided to complete a transaction initiated by the customer; (3) the information is provided to a reputable credit bureau or similar reporting agency; (4) the disclosure is otherwise lawfully permitted or required.

CONFIDENTIALITY AND SECURITY

We restrict access to nonpublic personal information about customers to those employees who need to know the information in order to provide products or services.

We educate our employees about the importance of confidentiality and customer privacy through standard operating procedures and special training programs.

We strive to ensure that information we report concerning our customers is accurate. If we become aware of inaccuracies in our records, we will take prompt action to make appropriate corrections.

We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard customers' nonpublic personal information. We update and test our technology regularly to improve the protection and integrity of all information.

Our website does not capture visitor e-mail addresses or other information unless you decide to transmit it to us in connection with a transaction or correspondence. Customer e-mail information is used only for responding to customer requests or comments. Customer access to their account information through PC Banking requires their User ID and Password be entered each time they request access.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.