YOUR PRIVACY IS IMPORTANT TO US

You provide important information about yourself to a variety of businesses and organizations. The same is true when you do business with our financial institution. You're asked to provide us with certain personal information that helps us give you better service and complete your transactions more effectively.

We work diligently to safeguard the information you give to us. In fact, we developed the following policies to ensure your confidentiality and maintain your confidence in our institution. These policies detail the strict standards we have in place. For this reason, we ask you to please read the following information carefully.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us means Citizens First Bank.

This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

• Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
  • Deposit account
  • Loan account
  • Credit card account
  • Safe deposit box
• All IRA accounts for which we act as custodian

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control, a company that owns or controls us, and a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an “other party”.

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with our affiliates
• Information about your transactions with other parties
• Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR INFORMATION

We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, procedural safeguards to protect this information.

INFORMATION WE DISCLOSE ABOUT YOU

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. We are permitted under law to share information about our experiences or transactions with you or your account (such as your name, address, telephone number, social security number, account balances and your payment history with us) with companies related to us by common control or ownership (“affiliates”). This sharing of information allows us to design and improve products and services to our customers.

We also are permitted under law to disclose non-public personal information about you to “non-affiliated third parties” (i.e. third parties that are not members of our corporate family) in certain circumstances. For example, we may disclose non-public personal information about you to such third parties to assist us in servicing your loan or account with us; to government entities in response to subpoenas; and to credit bureaus. Also, we may disclose information made with the consent of or at the direction of the consumer, provided that the consumer has not revoked the direction or consent. Before we disclose customer information to any service provider, we require a contractual agreement to protect the confidentiality of our customer information.

INFORMATION ABOUT FORMER CUSTOMERS

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

AUTHORIZED SHARING-JOINT MARKETING

We may disclose the following information to other financial institutions with whom we have joint marketing agreements.

• Information you give us on an application or other forms, such as:
  • Name
  • Address
  • Social Security Number
  • Assets
  • Income
  • Age
  • Beneficiaries
    
• Information about your transaction with us, such as:
  • Account balances
  • Account activity
  • Types of accounts
  • Payment history
  • Deposit history

We disclose the information listed about with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information.

Types of Businesses

We may disclose information pursuant to joint marketing agreements to the following types of businesses:

• Financial service providers, such as:
  • Securities brokers-dealers
  • Insurances agents