THIS NOTICE CONTAINS IMPORTANT INFORMATION ABOUT THE PRIVACY OF PERSONAL INFORMATION THAT JTNB COLLECTS ABOUT ITS CUSTOMERS AND HOW THAT INFORMATION IS USED.

The following questions and answers are designed to inform you, a customer of JTNB, about the information that we collect about our customers, the sources of that information, the customer information that we disclose to our affiliates and unaffiliated third parties and the circumstances in which we do so. It also describes the systems and procedures we have in place to make sure that information about you is kept confidential.

Q-l: What categories of personal information about its customers does JTNB collect and disclose?

A-l: JTNB collects information about its customers from four different sources. They are:

• Information that customers provide on applications to us for our products and services;
• Information that we receive in response to requests we make to third parties about our customers, particularly in the process of evaluating applications for loans;
• Information that we receive from credit reporting bureaus;
• Information that we receive from processing customers accounts with us and the transactions in those accounts, such as deposit accounts and loans, as well as information that we receive from providing services such as trust services to customers.

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• We may disclose information that we receive on a customer's loan application such as the customer's assets, liabilities, income, and employment history in order to determine whether a loan made to the customer is salable in the secondary market, for example.
• We may disclose information that we receive on a customer's loan application such as deposits or loans the customer has with other banks, or the customer's employment in order to verify the accuracy of the information that the customer has provided to us, for example.
• We may disclose information that we receive on a customer's loan application such as the current balance of loans to be paid off from the new loan proceeds to persons who will be involved in the closing of the loan, such as attorneys and title companies, for example.
• If a customer applies to us to arrange a loan for the customer with a third party, we may provide one or more potential third party lenders all of the information that the customer provided to us on his or her loan application.
• We may disclose information that we collect from processing a customer's accounts with us, such as the balance in a deposit account. We may disclose that information to the operator of the interchange that processes our ATM and debit cards.
• We may disclose information we collect from processing a customer's deposit accounts such as checks drawn on insufficient funds. For example, we may provide such information to a credit bureau.

The examples set out above are illustrative of the occasions we may disclose the various categories of information described. They are not intended to describe every situation in which we may provide customer information to a third party.

Q-2: To what categories of third parties does JTNB provide information about its customers?

A-2: Categories of third parties that are not affiliates that we may provide customer information to are as follows:

• Parties who we request verify the accuracy of information that a customer has provided to us.
• Parties that we are assisting a customer in obtaining a loan from.
• JTNB also provides customer information to third parties as permitted by law.

Q-3: What categories of information about former customers of JTNB do you provide to third parties, and to what categories of third parties do you provide it?

A-3: We report credit account history to Credit Reporting Agency.

Q-4: Does JTNB have contracts with any third parties to provide services to JTNB or to jointly market financial products or services? If so, what types of companies are they and what categories of customer information do you provide to them?

A-4: Yes

• Credit Card Processor - bank credit card offering account #, name, address, social security number, credit limit, balance and payment information.

Q-5: What are JTNB's policies and practices with respect to protecting the confidentiality, security and integrity of information about its customers?

A-5: It is the policy of JTNB to assure that the information it has about its customers is accurate. It is the policy of JTNB that information it has about its customers is highly confidential and should only be available to persons who have a need for the information to properly service a customer's account, act upon a customer's request or to fulfill that person's job responsibility within JTNB. JTNB has extensive security procedures that insure that its confidentiality policy is followed. Customer information is maintained in paper-based files and data bases in its automation systems. All paper-based files are kept under the control of a file custodian. The custodian restricts access to every file to bank personnel who have a need for access to the information in the file to properly carry out his or her job responsibility. The bank's automation systems have a complex set of passwords, user identification and terminal identifications that limits each employee's access to information in the systems to that information that he or she requires to properly carry out his or her job responsibility. In addition, JTNB has a complex system of "firewalls" surrounding its automation systems to ensure that access by unauthorized persons is prevented.