Citizens Bank Privacy Policy

Citizens Bank, N.A. recognizes the importance our customers place on privacy and the security of their personal information. Our goal is to protect your personal information in every way that we interact with you, whether it's on the telephone, in our lobby, at one of our ATMs, or on the Internet.

We think it is important for you to be informed of the policies, procedures, and security measures we have in place to safeguard your personal and confidential information. We have developed this policy to help you to understand the steps we take to protect your personal information when you utilize our Internet Portal services.

This policy applies to our registered portal users, portal visitors, and any former registered portal users and/or customers.

Collection and Use of Information

Registration. Portal visitors are not required to register in order to utilize certain features of the service such as the shopping mall and news. Portal visitors can remain anonymous. Registering on the Portal simply allows you to customize features that enable you to track certain stocks, read selected news articles, view the local weather report and personal horoscope.

The registration process only requires you to provide your name, email address, and passcode. Other information such as your birthday, zip code, and gender are optional and only used to customize features within the Portal. Your email address is your User-ID. We currently only use this address to send you a welcome letter.

In the future we may use this address to send registered users email notices for certain required regulatory disclosures, but only if you have previously agreed to accept online disclosures. We may also send emails to market our financial products and services that may be of interest to you. In addition, we may also provide you an opportunity to subscribe to a newsletter; however, we will always provide you an opportunity to opt-out of electronic disclosures and newsletters if required by law. FundsXpress may send emails as an agent on our behalf.

General Information. FundsXpress, our Portal service provider, also collects general non-personally identifiable information that is generated electronically when you visit our Portal site. This information is collected on our behalf simply for administrative, statistical, and security purposes so that we may provide Portal services to you. FundsXpress uses a "web-trend cookie" to collect some of this general information on all Portal visitors. The information collected electronically and through this web trend cookie includes the following:

The Internet address (referral site) which brought you to our web site
The date and time you access our site
The name and version of your web browser
The Internet service provider you used when you accessed our site
Your Internet Protocol (IP) address
The pages visited in our Portal

Additional information about IP addresses and cookies are provided below.

Internet Protocol (IP) Addresses

An IP address is a number that's automatically assigned to your computer whenever you're on the Internet. Web servers, the computers that "serve up" Web pages, automatically identify your computer by its IP address.

When collecting information for us, FundsXpress does not link IP addresses to anything personally identifiable, which means that a user's session will be logged, but the user remains anonymous.

FundsXpress may use IP to address information about you from your computer or be used to audit the use of our site. They can and will use IP addresses to identify a user when necessary for security purposes.

What is a Cookie?

A cookie is a very small text file sent by a web server and stored on your hard drive, your computer's memory, or in your browser so that it can be read back later. Cookies cannot "read" information about you from your computer or be used to "steal" information about you; and cookies don't carry viruses. Cookies are a basic way for a server to identify you (most cookies actually identify the computer you happen to be using at the time, not you personally). Cookies are used for many things from personalizing start up pages to facilitating online purchases. Cookies help sites recognize return visitors and they perform a very important function when you engage in secure Internet banking.

In addition to the Web Trend cookie, FundsXpress uses other cookies simply to facilitate the customization and personalization of the Portal. For your security, FundsXpress does not store any of your personal information in these cookies, which are further described below.

Other Information Collected through Portal Cookies:

When visitors register on the Portal and select the "Remember Me" checkbox, FundsXpress sends additional cookies to your hard drive, which enable you to customize the Portal and bypass the login process each time you revisit the Portal. These cookies are retained on your computer until you either delete them or click on the Logout link within the Portal. These cookies only contain a unique user identification number and do not contain or collect any personally identifiable information.

When registered users login to the Portal, FundsXpress sends an additional cookie called a "per-session" cookie or "server-side" cookie. This "server-side" cookie resides in the browser and is only used by FundsXpress to monitor the session by a unique identification number. This cookie is used for security purposes and you must allow your browser to accept the "server-side" cookie to use the Portal. The cookie is destroyed after eight hours.

When you click on advertisements on the Portal or at 3rd party merchants within they Portal, they may also send you a cookie to collect general non-personally identifiable information. You do not have to accept these cookies to use the Portal.

Disclosure of Information to Third Parties

We do not disclose any nonpublic (private) personal information about our registered portal customers, former customers, or visitors to anyone, except as permitted or required by law. We must share this information with FundsXpress, our service provider for the Portal. FundsXpress has a confidentiality agreement with us to protect your personal information to the same extent that we must do.

We do not sell any of your personal information.

In the future, we may share a portion of the aggregate customer information that we collect on the Portal with companies or financial institutions that perform marketing services on our behalf. We have such an agreement with FundsXpress. The disclosure of certain aggregate information to FundsXpress or other companies would only be used to help us market and/or display financial products and services that may be of particular interest to you or save you money. We will provide you an opportunity to opt-in or opt-out of such disclosure if required by law.

External 3rd Party Links

Our Portal has numerous links to other 3rd party sites. These links to external third parties are offered as a courtesy and a convenience to our customers. While using our Portal, you may still see our logo when visiting 3rd party sites. A technique called "Framing" allows us to display our logo and look and feel while allowing you to browse another site at the same time. It's important to note that while you may still see our logo and frame, any information you provide to a 3rd party is not covered by our privacy policy.

BE SURE TO CHECK THE PRIVACY STATEMENTS OF ANY THIRD PARTY WEB SITE FOR INFORMATION ABOUT THEIR USE OF COOKIES AND PERSONAL INFORMATION THEY MAY COLLECT. AS YOU WILL BE SUBJECT TO THEIR POLICIES WHEN YOU VISIT THEIR SITES.

If you have questions or concerns about the privacy policies and practices of these third parties, please review their websites and contact them directly. This privacy policy applies solely to information collected through our Portal.

Security

Citizens Bank, N.A. has developed strict policies and procedures to safeguard your personal information. We restrict employee access to your sensitive personal information to a "need to know" basis. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We educate our employees about the importance of confidentiality and customer privacy. We take appropriate disciplinary measures to enforce employee privacy responsibilities.

Our service provider, FundsXpress, has also developed security policies and procedures to protect the customer information that they must collect and maintain to help us provide Portal services to you over the Internet. They have a top-of-the line data center and strong security procedures to ensure that your customer information is protected within the FundsXpress environment. For more information on the FundsXpress security measures, please visit their website at www.fundsxpress.com.

Privacy of Children

Citizens Bank, N.A. respects the privacy of children. We do not knowingly collect names, emails addresses, or any other personally identifiable information from children. We do not knowingly market to children nor do we knowingly allow children to utilize the Portal.

Privacy Updates

New product releases may require changes to our Privacy Policy. The effective date of our policy will always be clearly displayed. If we make any changes regarding the use or disclosure of your personal information, we will provide you prior notice and the opportunity to opt-out of such disclosure if required by law.

Questions

If you would like additional information about our privacy policy, or if you want to know what information we have collected in connection with your use of the Portal please contact us at any of the numbers or email addresses listed in our contact information. If you send us an email, please be careful not to include any personal or private information.

After reviewing the information, if you believe any of the information is in error, contact us either by phone or email, or you can send us a letter that explains the alleged discrepancy. If the information is incorrect, we will work with you to ensure that your information is promptly updated.

In addition, if you believe any information that Citizens Bank, N.A. or FundsXpress has collected about you has been used for an improper purpose; please contact us. Explain your concerns in as much detail as possible so that we may take any appropriate action.

Thank you for viewing our Policies.

Electric Fund Transfers

Your Rights and Responsibilities

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.

Types of Transfers and Limitations

You have arranged for us to accept certain direct deposits and/or pay certain recurring bills from your account. Transfers from a money market deposit account are limited to 6 pre-authorized, automatic or third-party transfers per monthly statement cycle, or which no more than 3 can be checks. Transfers from a savings account to another account or to third parties by pre-authorized or automatic transfer are limited to 6 per monthly statement cycle.

Cost

We do not charge for direct deposits to any type of account. We do not charge for preauthorized withdrawals from any type of account, unless you exceed the transfer restrictions on the money market account and/or savings account. Then there will be a charge of $5.00 per excessive transaction.

Stop Payment Procedure & Notice of Varying Amounts.

Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments, Simply call or write us in time for us to receive your request 3 business days or more before the withdrawal is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after your call.
Notice of varying amounts. If these regular payments may vary, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set).

Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

Disclosure of Account Information to Third Parties.

We will disclose information to third parties regarding your account or the transfers you make:

when it is necessary for completing transfers,
in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant,
in order to comply with a governmental agency or court orders, or as described in our privacy policy disclosure.

Unauthorized Transfers. Liability disclosures.

If your statement shows transfers that you did not make or authorize, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time period.
Address and telephone number. If you believe that someone has transferred or may transfer funds from your account without your permission, call us at Knox City [ (940)-658-3527 or write to us at P. O. Box 668 Knox City, Texas 79529 ] Abilene [ (325) - 695 - 3000 or write to us at 4201 S. Treadaway Blvd., Abilene, TX 79602. ]

Error Resolution.

In case of errors or questions about your electronic transfers, call or write us as soon as possible if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared. Include in the correspondence the following information: (1) Your name and account number (if any), (2) describe the error/transfer you are unsure about and explain why you believe it is in error and why you need more information and (3) dollar amount of the suspected error.

If you contact us orally, we may require that you send us your complaint or questions in writing within 10 business days. We will tell you the result of our investigation within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction or foreign-initiated transfer) to investigate your complaint or questions. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Liability for Failure to Make Transfers.

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable for instance:

If through no fault of ours, you do not have the funds available in your account to make the transfer.
If the transfer would go over the credit limit on your overdraft privilege.
If circumstances beyond our control (such as flood or fire) prevent the transfer despite reasonable precautions that we have taken.

There may be other exceptions stated in our agreement.

Funds Availability

Your Ability to Withdraw Funds. Our policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit. At that time, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your account.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and Federal holidays. If you make a deposit before 3:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 3:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day that we are open. Your electronic direct deposits will be available on the day the bank receives the deposit.

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending upon the type of check that you deposit; funds may not be available until the fifth business day after the day of your deposit. However, the first $I00 of your deposits may be available on the first business day after the day of your deposit.

If we are not going to make all of the funds from your deposit available on the first business day after we receive your deposit, we will notify you at the time you make the deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the bank, we will mail you the notice by the first business day after we receive your deposit.

If you will need the funds from a deposit right away, you should ask us when the funds will be available.

In addition, funds that you deposit by check may be delayed for a longer period under the following circumstances:

We believe a check that you deposit will not be paid.
You deposit checks totaling more than $5,000 on any one day.
You redeposit a check that has been returned unpaid.
You have overdrawn your account repeatedly in the last six months.
There is an emergency within the bank, such as a failure of communications or computer equipment.
You request transfer of uncollected funds.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit.

Special Rules For New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits into your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers and the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For examp1e, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,000 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.

Funds from all other check deposits will be available on the tenth business day after the day of your deposit.

USA Patriot Act

Citizens Bank, N.A.

Like any other United States financial institution, Citizens Bank, N.A., is required by the USA Patriot Act to verify the identity of current or prospective customers and to maintain that information for a specified time. Additionally, the USA PATRIOT Act has paved the way for financial institutions to help prevent fraud, identify theft, and the spread of terrorism.

Your cooperation is needed when you open a new account, request a loan or seek other financial services. You may be asked more questions to establish and confirm your identity. Please be prepared to provide a driver's license or other appropriate proof of identification as may be reasonably requested.

If you should have any questions regarding this requirement, please feel free to let us know