Recognition of a Customer's Expectation of Privacy

Use, Collection and Retention of Customer Information: The Citizens Bank collects, retains and uses information about individual customers only where it is allowed by law and the institution reasonably believes it is useful in administering the institution's business, and in providing products, services and other opportunities to our customers.

Maintenance of Accurate Information: The Citizens Bank has established procedures to ensure that our customer's financial information is accurate, current and complete in accordance with reasonable commercial standards.

Limiting Employee Access to Information: The Citizens Bank limits access to our customers' confidential and private information to employees with legitimate business reasons for knowing such information.

Protection of Information via Established Security Procedures: The Citizens Bank maintains appropriate security procedures regarding unauthorized access to customer information.

Restrictions on the Disclosure of Account Information: The Citizens Bank does not reveal specific information about our customers or their transactions to unaffiliated third parties for their independent use, unless the information is provided to help complete a customer-initiated transaction, help administer the institution's bona fide business, at the customer's request, to comply with a legal requirement, to a reputable information reporting agency, or after the customer has been informed and given the opportunity to decline.

The Citizens Bank's Privacy Principles apply to both traditional and Internet banking activities.

The Citizens Bank collects generic information about website visitors including date and time of access, the Internet service provider's address, the web browser used, and the visitor's physical location.

The Citizens Bank requires customers to utilize specific passwords and two-factor authentication for access to confidential and private information and reminds customers to safeguard login IDs and passwords.

The Citizens Bank utilizes encryption, firewall, router, third party verification procedures, cookies, and other security software and hardware to help prevent unauthorized access.

Any comments or complaints about this policy, any privacy-related issue or any inaccuracy in customer data can be made by contacting The Citizens Bank, P.O. Box 2156, Batesville, AR 72503-2156, Phone 870-793-4441.

NOTICE: Information sent by email is at risk of loss of confidentiality if transmitted over the Internet. We do not recommend sending confidential information such as account numbers or Social Security numbers by email.