COMMUNITY FIRST NATIONAL BANK
WEB SITE CUSTOMER INFORMATION PRIVACY STATEMENT

Community First National Bank, and our affiliates are committed to providing the highest level of security and privacy regarding the collection and use of our customer's personal information. Keeping your financial information secure is one of our most important responsibilities. We value your trust and will handle your personal information with the greatest of care. Our employees access information about you only when needed to maintain your accounts or when considering a request from you for additional services. We maintain standards and procedures designed to prevent misuse of this information.

Collection, Use and Retention of Customer Information
The collection of personal information is designed to protect access to your personal accounts and to assist the bank in providing you with the products you want and need. All personal information collected by the bank is used for specific business purposes only to protect and administer your personal accounts and transactions, to comply with state and federal regulations, and to help the bank better understand your financial needs in order to design or improve our products.

Limited Employee Access to Personal Information
Community First National Bank limits employee access to your personal information to only those bank administrators with a business reason for knowing such information. CFNB also educates all employees about the importance of confidentiality and customer privacy. We take appropriate measures to enforce employee privacy responsibilities to further safeguard the privacy of your personal information. Our employees are very well versed in complying with personal information principles.

Maintenance of Accurate Information
We have implemented procedures to help assure that our customer's financial information is accurate, current and complete in accordance with commercially reasonable standards. While some procedures are required by federal or state law, we also have procedures for responding to requests to correct inaccurate information in a timely manner, and update information promptly. Customers should notify us immediately by calling 785-323-1111 if they receive what they believe to be inaccurate information regarding their CFNB account.

Restrictions on the Disclosures of Account Information
Financial institutions should not reveal specific information about customer accounts or other personally identifiable data to unaffiliated third parties for their independent use, except for the exchange of information with reputable information reporting agencies to maximize the accuracy and security of such information or in the performance of bona fide corporate due diligence, unless 1) the information is provided to help complete a customer initiated transaction; (2) the customer requests it; (3) the disclosure is required by /or allowed by law (e.g., subpoena, investigation of fraudulent activity, etc.); or (4) the customer has been informed about the possibility of disclosure for marketing or similar purposes through a prior communication and is given the opportunity to decline (i.e., "opt out")

Maintaining Your Privacy in Business Relationships with Parties Outside Our Affiliates
Sometimes it is necessary to provide personally identifiable information about you to a party outside our bank such as a vendor or service company that we hire to prepare your account statements or to provide support or service for one or more of our products. These vendors and service companies agree to safeguard our confidential information about you and your products and services with us and must abide by applicable law.

---

COMMUNITY FIRST NATIONAL BANK
NOTICE OF PRIVACY POLICY

This notice accurately summarizes our policies and practices regarding the collection, use, retention, and security of nonpublic personal information concerning those customers of Community First National Bank of Manhattan, Kansas who obtain a financial product or service from us that is to be used primarily for personal, family or household purposes.

What Information We Collect
We may collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or other loan and accounts forms;

Information about your transactions with us, affiliates, or others; and

Information we receive from third parties, such as a consumer reporting agency.

"Nonpublic personal information" is any personally identifiable financial information about you, that we may obtain in connection with providing a financial product or service to you, that is not publicly available. This could include information such as account balances, payment history, or overdraft history.

What Information We Disclose
We do not disclose nonpublic personal information about our customers or former customers to any affiliates or nonaffiliated third parties, except as permitted by law.

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

Confidentiality and Security of Nonpublic Personal Information
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. Our employees are trained to understand the importance of customer financial privacy and to properly handle confidential information. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

If you have any questions regarding this policy, please contact our Compliance Officer at 785-323-1111.