FACTS

WHAT DOES CITIZENS BANK DO WITH YOUR PERSONAL INFORMATION?

Why?

 

Financial companies choose how they share your personal information.  Federal law gives consumers the right to limit some but not all sharing.  Federal law also requires us to tell you how we collect, share, and protect your personal information.  Please read this notice carefully to understand what we do.

 

What?

 

The types of personal information we collect and share depend on the product or service you have with us.  This information can include:

 

  • Social Security number and account balances
  • credit history and payment history
  • account transactions and transaction history

 

When you are no longer our customer, we continue to share your information as described in this notice.

 

How?

 

All financial companies need to share customers' personal information to run their everyday business.  In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Citizens Bank chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information

Does Citizens Bank share?

Can you limit this sharing?

 

For our everyday business purposes –

such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

 

YES

NO

 

For our marketing purposes –

to offer our products and services to you

 

YES

NO

 

For joint marketing with other financial companies

 

YES

NO

 

For our affiliates' everyday business purposes –

information about your transactions and experiences

 

NO

WE DON ’T SHARE

 

For our affiliates' everyday business purposes –

information about your creditworthiness

 

NO

WE DON ’T SHARE

 

For nonaffiliates to market to you

 

NO

WE DON ’T SHARE

Questions?

Call (601) 736-2601 or go to www.citizensbk.com



 What we do

 

How does Citizens Bank protect my personal information?

 

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law.  These measures include computer safeguards and secured files and buildings.

 

How does Citizens Bank collect my personal information?

 

We collect your personal information, for example, when you

 

  • open an account or apply for a loan
  • provide account information
  • make deposits or withdrawals from your account
  • show your government-issued ID

 

We also collect your personal information from others, such as credit bureaus, affiliates or other companies.

 

Why can't I limit all sharing?

 

Federal law gives you the right to limit only

 

  • sharing for affiliates' everyday purposes - information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

 

State laws and individual companies may give you additional rights to limit sharing.

 

Definitions

Affiliates

 

Companies related by common ownership or control.  They can be financial and nonfinancial companies.

 

·          Citizens Bank has no affiliates.

 

Nonaffiliates

 

Companies not related by common ownership or control.  They can be financial and nonfinancial companies.

 

·          Citizens Bank does not share with nonaffiliates so they can market to you.

 

Joint

Marketing

 

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

 

·          Our joint marketing partners include insurance product providers.

 

Rev. 08/10