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Message from the President

Executive Newsletter — October 2013

Deposit Accounts - Choice and Convenience

J. Michael Romey, President/CEOJ. Michael Romey, President/CEO

At Citizens National Bank we have been fortunate to be able to grow our lending balances at a fairly constant rate over the last number of years. We have entered new markets and been successful through our staff developing lending relationships with new borrowers. As part of the development of that total relationship, we would like to also gain those customers' deposit accounts. Traditional household and business deposit accounts provide funding for our accelerated lending abilities. Plus, deposit accounts provide meaningful long-term relationships with our Commercial and Retail customers well after the loan relationship is paid off.

Our product specialists have been working hard to develop deposit accounts that feature customer choice and convenience along with personal service. We have fine-tuned account features that meet the needs of various customers like high speed merchant capture scanners to deposit checks remotely at reduced costs and accounts that offer lower transaction costs or no fee for minimal usage. Our Cash Management staff can explain ways to maximize ease of use for our customers whether they want to bank from their personal computer, mobile phone, or their tablet. Our goal is to identify the right products for the right customer that offers them convenience along with superior service.