A Note About Security

Exchange National Bank will never send an e-mail message requesting confidential information
such as account numbers, passwords, or PINs. If you should ever receive such a request,
contact us at 620-273-6389 immediately. Find out how you can detect and avoid financial
scams, or "phishing," by reading these recommendations from the Anti-Phishing Working Group.

Notice of Your Financial Privacy Rights

This is our privacy notice for our customers. When we use the words "you" and "your," we mean
the following types of customers:

All of our consumer customers who have a continuing relationship with us, such as:
• Deposit account
• Loan account
• Safe deposit box
• Self Directed Individual Retirement Account where we act as custodian or trustee
• Debit cards

We will tell you the sources for nonpublic personal information we collect on our customers.
We will tell you what measures we take to secure that information.

We first define some terms:

We, our and us means Exchange National Bank.

Nonpublic personal information means information about you that we collect in connection
with providing a financial product or service to you. Nonpublic personal information does not
include information that is available from public sources, such as telephone directories or
government records.

An affiliate is a company that we own or control, a company that owns or controls us, and
a company that is owned or controlled by the same company that owns or controls us.
Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a company that is not an affiliate of ours.

The Information That We Collect

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
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

We do not disclose any nonpublic personal information about you to anyone, except as
authorized by law.

The Confidentiality, Security and Integrity
of Your 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. We maintain physical,
electronic, and procedural safeguards that comply with federal regulations to guard your
nonpublic personal information.

Nonpublic Personal Information
and Nonaffiliated Third Parties

Since we value our customer relationship with you, we will not disclose your nonpublic
personal information to nonaffiliated third parties, except as permitted by law.

Nonpublic Personal Information
and Former Customers

We do not disclose nonpublic personal information about former customers.

Exchange National Bank
235 Broadway
Cottonwood Falls, KS 66845
620-273-6389