First Citizens National Bank| Privacy & Security

At First Citizens National Bank we are committed to helping you, our customer, protect yourself from fraud and identity theft. To show you our commitment, we have gathered helpful information and links to various sites to help protect your personal privacy.

Privacy

Protecting your privacy is important to First Citizens National Bank and our employees. The following policy and pledge serves as a standard for all First Citizens National Bank employees for collection, use, retention and security of nonpublic personal information.

For Your Protection

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YOUR FINANCIAL PRIVACY AT FIRST CITIZENS NATIONAL BANK

First Citizens National Bank acknowledges our customer's expectations of their financial and personal information being private. Maintaining our customer's trust that the relationship will remain confidential shall be an essential component of First Citizens National Bank's relationships with our customers. We have protected your confidential information in many ways over the years and will continue to do so using state-of-the-art measures. Protecting your privacy is important to First Citizens National Bank and our employees. The following policy and pledge serves as a standard for all First Citizens National Bank employees for collection, use, retention and security of nonpublic personal information. We want you to understand what information we collect and how we use it.

Our Privacy Pledge to You

We will always value the trust of our customers and the importance of keeping their personal financial information confidential.
We will provide our customers with our policy on using their personal financial information responsibly and protecting it.
We will hold our employees to the highest standard of conduct in ensuring the confidentiality of customer information.
We will hold any personal medical information about our customers sacred and will not use it for marketing purposes or in making credit decisions.
We will use information responsibly in order to provide our customers with significant benefits, including fraud prevention, improved products and services and to comply with laws.
We will establish procedures to maintain accurate information and respond in a timely manner to our customers' request to change or correct information.
We will use a combination of safeguards to protect our customers against the criminal use of their information and to prevent unauthorized access to it.
We will require the companies we do business with to abide by our privacy policy to maintain the confidentiality of our customers' information.

What Information We Collect

"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. First Citizens National Bank collects nonpublic personal information about you, such as your income, net worth, and Social Security number. Nonpublic personal information also includes information regarding your account balance and payment history. We collect nonpublic personal information from the following sources:

Information we receive from you on applications or other forms;
Information about your transactions with us or others;
Information we receive from a consumer reporting agency; and
Information we obtain through the use of our website and on-line banking.

What Information We Disclose

We do not disclose nonpublic personal information about you to anyone, except as permitted by law. For example, we are permitted by law to disclose nonpublic personal information about you to "nonaffiliated third parties" (third parties that are not members of our corporate family):

To assist us in servicing your loan or account with us;
To provide services you have requested or initiated;
To government entities in response to subpoenas;
Sending information returns to the Internal Revenue Service; and
To credit bureaus.

We are permitted by law to share information about our experiences or transactions with you or your account with our affiliates, companies related to us by common control or ownership. THIS INFORMATION SHARING WILL NOT INCLUDE ACCOUNT BALANCES UNLESS YOU AUTHORIZE IT.

We may also share additional information about you or your account (such as application information we receive from you, information from credit reporting agencies and insurance information) with our affiliates. One of the benefits of this sharing would include improved customer service by offering additional services and benefits to you. You may opt out of this sharing of additional information by contacting us using one of the methods shown at the end of this disclosure.

We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements (for example, to provide free accidental life insurance on checking accounts). This information, however, will not include unencrypted account numbers, account balances, or transaction history.

We do not share medical or health information among our affiliates or unaffiliated third parties except to process transactions or to provide services you have requested or initiated. This information will only be disclosed as necessary to carry out the purpose for which it was originally disclosed or as permitted by law.

We do not disclose any nonpublic personal information about you to any other third parties, except as permitted by law.

If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy polices and practices as described in this notice.

Customer Identification Requirements

In accordance with Section 326 of the USA Patriot Act, all persons are subject to the identity verification requirements even though they may be a long-term customer of and well known to the bank.

For the purpose of the regulation, an "account" includes every formal banking relationship that entails ongoing services, dealings, or transactions. Some examples are a deposit account, loan, trust relationship or safe deposit box rental.

If you request to open an account or become a signatory on an account with the bank and the bank has not previously verified your identity under the new regulatory requirements, the bank will request documentary verification of your identity, such as a driver's license or passport and/or it will verify your identity through other nondocumentary methods. Similar identification requirements apply to business entities such as corporations and partnerships.

Our Security Procedures

First Citizens National Bank restricts access to your personal and account information to those employees who need to know that information in the normal course of business. We also maintain physical, electronic, and procedural safeguards that comply with the Federal Interagency Guidelines Establishing Information Security Standards.

Inquiries Concerning Your Privacy

If you have any questions concerning the privacy of your nonpublic personal information, you may contact us at any of our convenient locations; call or email us using the contact information provided at the end of this disclosure or write to our internal auditors at:

Audit Department
P.O. Box 890
Dyersburg, TN. 38025-0890

Do Not Call Policy

You can choose not to receive marketing offers from First Citizens National Bank by telephone, fax and/or email. This applies to offers from us about our products and services, and about products we think may be of interest to you. If you prefer not to receive direct marketing information you may opt out of this service by contacting us using one of the contact methods shown at the end of this disclosure.

If you elect not to receive product information by telephone, fax and/or email, First Citizens National Bank will continue to contact you:

As necessary to service your account
Be contacted by your assigned account representative, if applicable
Receive marketing information included with your regular account mailings and statements and when you visit us online or at an ATM

Affiliate Marketing Opt-Out Notice

First Citizens National Bank is providing this notice.

You may limit our affiliates, White and Associates First Citizens Insurance, LLC and First Citizens Financial Plus, Inc., from marketing their products or services to you based on your personal information that we collect and share with them. This information may include your income, your account history with us, and your credit history.

Your choice to limit marketing offers from our affiliates will apply permanently after you tell us of that choice. If you have a joint account, your decision will also apply to all owners on the account. No renewal of your decision shall be necessary.

If you have already made a choice to limit marketing offers from our affiliates, you do not need to act again. To opt out, please use one of the contact methods below.

Methods Of Contacting The Bank

By telephone:		800-321-3176, 731-285-4410 or 901-837-3385
On the web:		www.firstcitizens-bank.com
Email:		info@firstcitizens-bank.com
By Mail:		First Citizens National Bank
		P.O. Box 370
		Dyersburg, TN 38025-0370

Revised 03/03/08