Citizens Bank respects the rights of all consumers and our customers, including those who visit our website. Citizens Bank is aware that you have entrusted us with your financial information, and we are committed to keeping you informed as to its use.

Collection of Information

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

• Information we receive from you on applications or other forms.
• Information about your transactions with us.
• Information about your transactions with nonaffiliated third parties.
• Information from a consumer-reporting agency.

Disclosure of Information

Nonpublic personal information may be disclosed if one of the following applies:

• It is necessary to complete a transaction.
• To verify the existence and condition of your account to a third party, such as a merchant.
• To comply with a governmental agency or court order.
• If permission is given by you, which we may require to be in writing.
• It involves a claim concerning a deposit to or withdrawal from your account.
• Where otherwise required or permitted under state or federal laws and/or regulations.

Former Customers

We do not disclose nonpublic personal information about former customers, except as permitted by law.

Service Providers/Joint Marketing

We may disclose information we receive from you on applications or other forms, such as your name and address to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Security of Information

Citizens Bank restricts access to nonpublic personal 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.

Information Our Website Gathers

Visitors to the bank Website remain anonymous. We may collect non-identifying information about our visitors, such as the date and time our site was accessed, IP addresses, web browser used, and the city, state, and country of access.

The bank uses this information to create summary statistics and to determine the level of interest in information available on our site.

Any information given by the site visitor in a Web form is collected to perform the services offered at the site. This information is used internally, as appropriate, to handle the sender's request. This information is not disseminated or sold to other organizations.

Some areas of our online banking website may use "cookies" (text files) temporarily stored in the visitor's computer memory to allow the web server to log the pages you use within the site and to know if you have visited the site before.

Email Correspondence

If you send us email, be aware that your return address will be displayed in the header we receive. We will use this information to answer your inquiry and we may keep your message as a record of our contacts. At no time will we share that information with outside companies or agencies, unless required to do so by law or court order.

If you have additional questions regarding the privacy of your personal information, please contact us.

Terms used within this notice:

We, Our, and Us. When used in this notice, means Citizens Bank.

Customers. All of our consumer customers who have a continuing relationship with us.

Publicly available information. Information that is lawfully available to the general public from official public records, from widely distributed media, or information that is required to be disclosed to the general public by Federal, State or Local Law.

Nonpublic personal information. Personally identifiable information we collect in connection with providing a financial product or service to you that is not available from public sources.

Nonaffiliated third party. Any person(s) or corporate entity that is not an affiliate or is not a joint employee of a financial institution and a third party.