County National Bank Privacy Notice

Consumer Privacy Standards

County National Bank, its family of financial services companies (“affiliates”) and employees are committed to protecting the privacy of any nonpublic personal information that you give to us. Since it is important for you to understand what information is collected, how it is used and finally how it is protected, we have developed the following privacy standards. This notice applies to individuals and covers information in connection with consumer transactions. We ask that you carefully read the following information.

Information We Collect

“Nonpublic personal information” is information about you that we obtain in connection with providing a financial product or service. Such information includes for example, income, assets, account or overdraft history, and payment or credit history.

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms;
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from others, such as a consumer reporting agency.

Collection of Information from this Website

Visitors to this website remain anonymous, unless they register for a service or otherwise elect to disclose their identity to us. Although we do not collect personally identifying information about persons who simply visit our site, we may use standard software to collect non-identifying information, such as:

• The date and time our site was accessed
• The visitor's IP address (This numeric address is assigned automatically to a computer when it accesses the Internet. It is not linked to any personally identifiable information.)
• Web browser used
• City, state, and country

We may place “cookies” on a computer to track a visitor's use of our website. A cookie is a piece of data that is stored on your hard drive. It takes up very little room on your system and helps us to customize our site and make its navigation easier for you. We sometimes use cookies to help estimate the number of visitors to our site and to determine which areas are the most popular. Unless you register with us for a service (such as online banking), the cookie does not provide us with any personally identifying information about you, such as your name or address.

Information We Disclose

We do not disclose nonpublic personal information about you to any companies (“third parties”) that are not members of our family (“affiliates”), except as permitted by law. We may disclose all of the information that we collect as described above, to non-affiliated third parties that perform marketing services on our behalf.

County National Bank will share nonpublic personal information with unaffiliated third parties only:

1. if you request or authorize it;
2. when necessary to complete a transaction initiated by you;
3. with a reputable credit bureau or reporting agency; or
4. when the disclosure is required by or allowed by law.

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

Our Security Procedures

We restrict employee access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you. The Bank educates its employees so that they will understand the importance of confidentiality and customer privacy. Employees who violate customer confidentiality and privacy will be subject to disciplinary measures. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Affiliates of County National Bank

• CNB Lending Services, LLC
• County National Financial Services, Inc.

This list may change from time to time without further notice to you.

Notice of Your Opportunity to Opt Out of Information Sharing with County National Bank Affiliates

Information we can share with our family of financial services companies (“affiliates”) about you.

• We can share transaction and experience information (such as account transaction history or balances) with our affiliates.

Information we can share with our family of financial services companies (“affiliates”) about you - Unless You Tell Us Not To.

• In order to better meet your needs and to reduce the amount of information you need to provide to each of our affiliates we may share information we received from you, for example on applications or from a consumer credit report such as income or credit scores.
• If you do not wish for us to share this information within our family of financial services companies (“affiliates”), please notify us at: 1-517-439-4300 or toll free at 1-888-322-1088

or write us at:

County National Bank
FCRA Opt Out
P.O. Box 283
Hillsdale, MI 49242
www.countynationalbank.com

Security Statement

CNB Online Banking, our Online Banking System brings together a combination of industry-approved security technologies to protect data for County National Bank and for you, our customer. It features password-controlled system entry.

Secure Access and Verifying User Authenticity

To begin a session with the Bank's server, the user must key in a Login ID and a Password. Our system uses a "3 strikes and you're out" lockout mechanism to deter unauthorized users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out. To re-establish your authorization to use CNB Online Banking service, you must contact us to have your password reset or to obtain a new temporary password. You may contact a customer service representative at custserv@countynationalbank.com or call the Electronic Banking Department at (517) 439-4300 or (888) 322-1088 for assistance.

Secure Data Transfer

Once a server session is established, the user and the server are in a secured environment the server has been certified as a 128-bit encryption.

Your Login ID and Password

You should not keep your Login ID and Password information on or near your computer. Keep both in a secure area away from your computer to prevent any unauthorized access to your accounts. Never share your Login ID or Password with anyone. You will be required to change your password periodically.

E-Mail

Regular, non-encrypted Internet e-mail may not be secure. If you communicate with us by clicking the e-mail button you will be generating a non-encrypted Internet e-mail message. For security reasons, we recommend that you use such e-mail only for generating inquires that do not involve sensitive or confidential information. If you are uncertain about the security of e-mail or the confidentiality of any message, you can contact us by phone toll free at 888-322-1088, by mail at County National Bank, P.O. Box 283, Hillsdale, MI 49242-9900, or by visiting your nearest County National Bank office.

Changes to this Statement

We may add to, delete from, or otherwise change the terms of this Statement from time to time. We may notify you of the changes by mail, e-mail, or by posting a modified Statement on our website. Your continued use of this site or any of our Internet services following such notification will constitute your acceptance of the revised Statement. Accordingly, please check this site regularly for revisions.

Questions

If you have any questions regarding this Statement, you can contact us by phone toll free at 888-322-1088, by mail at County National Bank, P.O. Box 283, Hillsdale, MI 49242-9900, or by visiting your nearest County National Bank office.