The Citizens National Bank
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Privacy Policy

The Citizens National Bank Of Southwestern Ohio Privacy Policy

The Citizens National Bank of Southwestern Ohio (TCNB) recognizes the importance of maintaining trust and protecting the confidentiality of our customers' personal information and respecting their rights to privacy.

Confidentiality and the protection of customer information is one of our fundamental responsibilities. The safekeeping of customer information is a priority. We maintain standards and procedures to prevent misuse of this information.

Use, Collection and Retention of Customer Information
We collect, retain and use information about our customers only for business purposes. We use information to protect and administer our customers' records, accounts and funds; to comply with laws and regulations; to design or improve our products and services; and to understand our customers' financial needs so that we may provide the very best in quality service.

Maintenance of Information
We maintain complete and accurate information about our customers and their accounts to make sound credit decisions; to better assist our customers in choosing the right products, and to be consultative to our customers. Procedures are in place to investigate and correct any information that may be inaccurate.

Access to Information
Procedures and security measures are in place to limit access to personal information to those employees who have a need to know that information. TCNB employees are responsible for maintaining customer confidentiality and employees who violate this will be subject to disciplinary measures.

Protection of Information
We maintain and grant access to customer information only in accordance with internal security procedures.

Restrictions on Disclosure of Account Information
We do not reveal customer account information or other personal information to unaffiliated third parties for their independent use, except for the exchange of information with reputable reporting agencies (for example, a credit reporting agency). There are, however, exceptions we honor on behalf of our customers: 1) the information is required to complete a customer initiated transaction; 2) our customer requests it; or 3) we are required or allowed by law to disclose it (for example in response to a subpoena). We do not provide account or personal information to nonaffiliated parties for the purpose of independent telemarketing or direct mail marketing or any non-financial products or services.

Third Parties
At times it may be necessary to provide confidential information to a third party, such as a service bureau, that we hire to prepare account statements. When TCNB conducts business with third parties, we expect them to maintain the same high standards of confidentiality we hold.

Disclosing Our Privacy Commitment to Our Customers
TCNB recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy. This privacy policy is the foundation of the commitment.

Privacy Disclosure Notice
The Citizens National Bank of Southwestern Ohio

It is the policy of The Citizens National Bank of Southwestern Ohio not to disclose any non-public personal information about our customers or former customers to anyone, except as permitted by law.