Dear customers,

We would like to inform you that The Citizens National Bank of Southern Ohio applies to its customers’ contracts the General terms and conditions for opening and keeping bank accounts and for performing payment services as well and it is based on the regulations of Bank of United States of America No. 53, dated 26.09 .2007 “On the function of European interbank payments system – AIPS”; No. 55, dated 26.09 .2007 “On the function of European electronic clearing house - AECH”; No. 12, dated 23.02.2011 on the adoption of some amendments in the Regulation “On the functioning of European Interbank Payment System–AIPS” and “On the functioning of Automated Clearing House System-AECH”

In compliance with the regulatory requirements we ensure for you the General terms and conditions to customers’ contracts for opening and keeping bank accounts and for performing payment services

The Citizens National Bank of Southern Ohio, given its role in compliance European banking standards, will continue as before to promptly inform its customers of changes in the regulatory framework and in its bank interest rates.