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Security

Keeping Your Information Secure Is Our Top Priority

Citizens Bank & Trust is dedicated to protecting your privacy & providing you with quality products & services. We recognize our obligation to keep your information secure & confidential, therefore; we want you to understand the information we collect & how we use it to provide high quality products & services that will benefit you.

Online Privacy & Security

We understand the importance of privacy & security when transmitting data online. Therefore, we have instituted necessary privacy & security policies specifically related to the online banking process.

Linking to a Third-Party Website

When you click on links /or banners that take you to a third-party website, you will be subject to that third party's privacy policy. While we support the protection of privacy on the Internet, we cannot be responsible for the actions of third parties. We encourage you to read the posted privacy statement whenever interacting with any website.

Your Roll In Security

Safeguard your information with the following steps.
• Do not share your password or user-id
• Change your password regularly
• Remember to sign off once you have completed a secure online session
• Only provide your user-id when your browser indicates an encrypted connection https, NOT http.

E-mail Security

We strongly urge you not to e-mail confidential information (such as social security #, account #, mother's maiden name, annual income, source of income, etc.) to us. Because an e-mail response back to you will not be secure, we do not include confidential account information in an e-mail response. You may also contact us by phone, mail, or by visiting any bank location.

Safeguarding Your Info

To ensure your customer information is safe, we have in place several safeguards. Our employees are bound by a code of ethics, which requires that we treat customer information as confidential. We restrict access of your nonpublic personal information to those employees who need to know that information to review and maintain your account, to provide products and services to you or for another business reason. We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information.

Inquiries Regarding Privacy Info

We value each and every customer relationship. We want you to understand how we use personal information you may provide and our commitment to ensuring personal privacy. Federal law allows us to disclose information as listed herein and you may not opt out of this disclosure of information. Questions about how we protect confidential information are directed to our e-mail address at cbtrpmo@rpt.coop or at the main office at (660)744-5333.

Opening a New Account

Important Info about the procedures of new accounts. We value each & every customer relationship. We want you to understand how we use personal information you may provide & our commitment to ensuring personal privacy. Federal law allows us to disclose information as listed herein & you may not opt-out of this disclosure of information. Questions about how we protect confidential information are directed to our e-mail address at cbtrpmo@rpt.coop or at the main office at (660)744-5333.

Info used to Provide Products

To provide you with the highest quality financial products & services, we need to know certain kinds of nonpublic personal information. "Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. We collect nonpublic personal information about you from the following sources:

• Info you provide on your initial application & other account documentation, such as your name, address, social security number, assets, IP address, & income.
• Info about your transaction history with us, our affiliates, or others, such as your account balance, payment history, parties to transactions, & credit usage.
• Info we obtain from external third parties, (such as credit bureaus, demographic data companies, or public sources) such as your creditworthiness or payment history.

Restrictions on the Disclosure of Account Info

We do not provide personal information to outside companies for the purpose of independent telemarketing or direct mail marketing of any non-financial service. We may disclose information we receive from you on applications or other forms (such as your name and address) to companies that perform joint marketing services on our behalf. We are permitted under law to disclose nonpublic personal information about you to third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to credit bureaus. We do NOT disclose any nonpublic personal information about you to anyone, except as permitted by law. If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.