The Citizens Bank Privacy Statement and Policy

The privacy and confidentiality of our customers' financial dealings with our bank is the highest priority of The Citizens Bank. Confidentiality is an important consideration in the choice of a bank. The Citizens Bank has adopted the following privacy policy in order to demonstrate our commitment to providing the highest levels of security and privacy of our customers' personal financial information.

What Information We Collect

We may collect "nonpublic personal information" about you from the following sources:

• Information we receive from you on applications or other loan and account forms;
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from third parties such as credit bureaus.

"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history.

What Information We Disclose

We only disclose information as permitted by law.

Restrictions on Disclosure of Account Information

The Citizens Bank does not disclose any non-public personal information about our customers or former customers to anyone, except as permitted by law.

We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing arrangements:

• Information we receive from you on applications or other forms, such as your name and address.

Closed Account Procedures

If your account closes or you become an inactive customer, we will continue to adhere to the privacy policies and practices described in this notice.

Our Security Procedures

We also take steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Availability

The Citizens Bank wants our customers to understand our commitment to privacy issues. This privacy policy will be made available at all banking locations for distribution to our customers upon their request, and will be provided at the time of establishment of the customer relationship, and annually thereafter.