CUSTOMER INFORMATION AND PRIVACY POLICY

The Citizens Bank is committed to protecting the privacy of its customers' info rmation. As part of our commitment to protecting our customers' privacy we have adopted the following privacy principles and have implemented them at all levels of our organization.

The overall and ultimate responsibility for the maintenance of the bank's privacy policy is assigned to Larry M. Tindol as privacy manager. Senior management will ensure that the privacy manager has sufficient resources and authority to implement the bank's privacy program.

• Our Customers Expect Privacy.

We understand that you expect your personal and financial affairs to be held in the strictest confidence. As a customer of The Citizens Bank, you have entrusted us to protect your privacy and to safeguard your personal info rmation. We take this responsibility seriously and have designed policies and procedures to prevent misuse of this info rmation.

• Why We Collect, Retain, and Use Customer Information.

We collect, retain, and use info rmation about you only where we believe it will help administer our business or provide products, services, and other opportunities to you. We collect nonpublic personal info rmation about you from the following sources:

*Information we receive from you on applications or other forms;

*Information about your transactions with us, our affiliates, or others;

*Information we receive from a consumer reporting agency.

If we collect info rmation about you, we will do so only for a specific business purpose; and if you request, we will tell you why we are collecting the info rmation. Some of the reasons we use your info rmation are the following: to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design and improve our products and services; and to better understand your financial needs.

• We Will Maintain Accurate Information.

Maintaining the accuracy of your personal info rmation is important. We have procedures to help assure that your personal info rmation is accurate, current and complete. We also have procedures to correct inaccurate info rmation in a timely manner, including processes to update info rmation or remove outdated info rmation. If you discover any info rmation we have about you that is incorrect, please let us know.

• We Limit Employee Access To Your Information.

Access to personally identifiable info rmation about you is limited to those employees who have a specific business reason to know such info rmation. Our employees are educated and trained on the importance of confidentiality and privacy of customer info rmation. Appropriate disciplinary action is taken if this Policy or procedures relating to this Policy are not adhered to.

• Security Procedures Protect Your Information.

We establish and maintain security procedures designed to help prevent unauthorized access to your private, confidential info rmation. We also update and test our computers, hardware, software, and other technology to assure the integrity and security of our info rmation systems.

• We Restrict Disclosure of Account Information.

We do not reveal specific info rmation about your accounts or other personally identifiable data to parties outside our organization unless it is under the following circumstances: you request or authorize disclosure; the info rmation is provided to help complete a transaction initiated by you; the info rmation is provided to a reputable credit bureau or similar info rmation reporting agency; or the disclosure is otherwise lawfully permitted or required. If a customer provides personal medical info rmation to us, we will not disclose the info rmation unless authorized by the customer. We do not disclose any nonpublic personal info rmation about former customers unless personally authorized or permitted by law.

• We Maintain Your Privacy When We Do Business Outside Our Organization.

It is sometimes necessary to provide personally identifiable info rmation about you to a party outside our organization. Some examples are when we hire a vendor or service company to provide support for one or more of our products or services. When we work with outside businesses or companies, these vendors agree to safeguard your personal and confidential info rmation, and these vendors must abide by applicable law. If a vendor is hired to use your info rmation for marketing purposes, we will disclose this to you in advance and give you the opportunity to "opt out," in which case your info rmation would not be provided to the vendor for marketing purposes.

• We Will Not Share Your Information Outside Our Organization.

We maintain procedures designed to protect your confidential info rmation. Other than under the limited exceptions explained in paragraph seven, above, it is our practice not to share confidential customer info rmation outside our organization. You do not need to request this confidentiality- it is our standard practice.

For more information contact us at (334) 347-3411