At The Citizens National Bank the protection of your personal information and account information is just as important to us as it is to you. The security of your information relies on both our ability to offer banking services to you in a secure manner, as well as your responsibility for keeping User Identification Names (User ID's), Personal Identification Numbers (PIN's), answers to your personal challenge questions secure, updating and performing regular scans of your antivirus and antispyware programs on your home computer. To assist us in offering these Web-based banking services in a secure manner, we employ a number of measures, which are identified below. These measures allow us to properly authenticate your identity when you access these services and to protect your information as it travels the Internet between your personal computer (PC) and The Citizens National Bank.

Our e-Banking and PowerPay security measures include:

• A
requirement for each user to privately maintain a combination of a User ID and a 6 -8 character (alpha & numeric) PIN.

• A
user-selected watermark that appears after you enter your User ID. This watermark assures that you are signing onto The Citizens National Bank’s website and not an imposter site.

• The
option to change your PIN at any time.

• PINs expire every 90 days.
  
• A
risk-based authentication system to verify your identity and authorize transactions. Our multi-factor authentication solution improves our ability to verify your identity when you access Online Banking. You simply select three challenge questions and supply answers that only you know. When additional security is needed, we'll prompt you with two of your three questions. We may do this if you forget your password or if you sign in from a computer that we do not recognize (for example, if you sign in from a computer at work, we'll ask you a security question to verify that it's really you).

• An
automatic logoff feature which will end your session if it remains inactive.

• An
automatic lockout feature will disable your e-Banking ID if the PIN is entered incorrectly multiple times.

• The
use of account pseudo names will be assigned to eliminate any need for your account numbers to appear online.

• A
requirement that you utilize a secure browser that supports 128-bit encryption. We recommend PC users - utilize Microsoft Internet Explorer (IE) Version 7.0 - 8.0 or Firefox Version 3 and Higher.
Mac Users – utilize Safari Version 1.0 and Higher.

• The
use of secure servers. This security is evident by the "https" that will appear in the URL (as opposed to "http" which appears for normal web pages). If you are using Internet Explorer or Netscape Navigator you will see a locked padlock at the bottom right of your browser window when browsing secure websites.

• The
use of a firewall which isolates our server from the Internet and limits access that outside computers have to The Citizens National Bank’s server.

• Secure
email communication with The Citizens National Bank through e-Banking.

While we have instituted numerous security measures, you also play a role in protecting your confidential account information. There are a number of steps that you can take to ensure that your information is protected, including:

• Don't
reveal your User ID, your PIN or the answers to your personal verification questions to anyone. This information is designed to protect your account information, but it can only be effective if it is kept private.

• Select
an unusual watermark and watch for its appearance after you enter your User ID. If you do not see the watermark you selected, you should not enter your PIN and you should call our Internet Banking department immediately (860-928-7921).

• Remember
that we will never contact you via e-mail asking you to furnish your PIN, social security number, mother's maiden name or any other confidential information. There are no pop-up windows on our website that request such information. If you receive such a request it is not legitimate; please contact our Internet Banking department immediately (860-928-7921).

• Use
care when selecting your PIN. Don't select PINs that can be easily guessed. Don't select a PIN that is so complex that you have to write it down.

• Change
your PIN periodically.

• Don't
leave your computer unattended while you're logged on.

• When
you have finished your e-Banking session, you should log off before visiting other Internet sites.

• Do
not change the pseudo names for your accounts to their numeric account numbers.

• Only
access your personal financial information from a computer you "trust." Publicly accessible computers are not as secure as your personal computer.

• Strengthen
the defenses on your PC by using and regularly updating personal firewall, virus scanning and anti-spyware software. These programs will reduce the risks that your PC will be vulnerable to penetration. These programs are designed to help protect your confidential information from interception and unauthorized disclosure.

• Do
not log into e-Banking if you suspect a virus or spyware has infected your PC.

• Keep
your browser updated. The newest versions have the latest safety features.

• Stay
up-to-date on Internet threats. The Federal Trade Commission (“FTC”) maintains a consumer education website called “OnguardOnline” that provides practical tips to help you be on guard against Internet fraud, secure your computer, and protect your personal information. Click here to view The Federal Trade Commission website.

If you notice any suspicious or unusual activity in your accounts, or if you suspect unauthorized access to your accounts, contact us immediately at (860) 928-7921 or toll free at (888) 963-7000.