OPT-IN Dislosure

Below is a copy of our Overdraft Disclosure statement. This also will be viewable on the page where you will be making your selection about opting-in to overdraft protection.

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

1. We have standard overdraft practices that come with your account.
2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number
• Automatic bill payments

We do not authorize and pay overdrafts after August 15, 2010 for the following types of transactions unless you ask us to (see below):

• ATM transactions
• Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Citizens National Bank of Texas pays my overdraft?

Under our standard overdraft practices:

• We will charge you a fee of up to $28 each time we pay an overdraft.
• There is no limit on the total fees we can charge you for overdrawing your account.

We will charge you a per item fee of $28 through August 15, 2010 for ATM transactions and everyday debit card transactions.

What if I want Citizens National Bank of Texas to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, please click Make Selection above to be taken to our page where you can make your selection.