First Citizens National Bank Federal E-Sign Disclosure and Consent

PLEASE READ THIS AGREEMENT CAREFULLY

This Federal E-Sign Disclosure is between First Citizens National Bank and First Citizens Online Bank customers regarding the receipt of items electronically through its secure web based interface: periodic statements, legal or regulatory disclosures, notices or disclosures about a change in terms regarding your accounts, privacy policies and notices, other communications we may include from time to time as part of account relationships with our bank and/or the eStatements program, overdraft or insufficient funds notices or any billing notices that may apply.

Paper Delivery of Disclosures and Notices
You have the right to receive a paper copy of any disclosures, notices, terms and conditions, other documents and any changes. To receive a paper copy at no charge, please request it in one of the following ways: Call First Citizens National Bank at 1-800-423-1602 and speak with the customer service department or any personal banker, or contact us in person at any of our offices, or write us at First Citizens National Bank, P.O. Box 1708, Mason City, IA 50401. Include your name, mailing address and state that you are asking for a copy of the disclosures, notices or other information.

Withdrawal of Consent of Electronic Acceptance of Disclosures and Notices
You may contact us in any of the ways described above to withdraw your consent to receive any future disclosures, notices, terms and conditions or other documents electronically. Depending on the type of account you have chosen with First Citizens National Bank, this may result in the closing of your account or the imposition of certain fees. Should this occur, we will notify you of any action that will be required or fees imposed.

Change in How We May Contact You Electronically
It is your responsibility to provide us with a true, accurate and complete e-mail address, contact and other information related to the Disclosure and your Account(s), and to maintain and update promptly any changes in this information. You can update information (such as your e-mail address) through Online Banking, or through the methods described above.

Hardware, Software, and Access Requirements
In order for the Service to work properly, you must have access to a computer with a web browser having the following minimum browser requirements:

 Microsoft Internet Explorer version 6.0 or higher or
 Netscape Navigator/Communicator version 6.0 or higher or
 AOL version 5.0 or higher

In addition, you must have Adobe’s free Acrobat Reader software version 9.0 or higher in order to view the PDF formatted statement documents. Your computer hardware must be able to reliably run the software indicated above. You are also responsible for maintaining your own connection to the Internet. Furthermore, we recommend that you also have a printer connected to the computer from which you are accessing your First Citizens Online Banking account so that you may print and save disclosures and other information you receive electronically, including your Online eStatement. You understand that you are responsible for installation, maintenance and operation of your computer, computer peripherals, and software. You assume full responsibility of ensuring these requirements are met should any changes be made to your existing computer system. The Bank is not responsible for any errors of failures of your computer or its software.

Choice of Law
This agreement shall be governed and construed with the Laws of the State of Iowa, without regard to its conflicts of law provisions.  

June 2012