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FACTS
WHAT DOES THE CITIZENS-FARMERS 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

- Credit scores

- Account balances

- Account transactions

- Transaction history

- Checking account information


When you aro 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 The Citizens-Farmsrs Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does The Citizens-Farmers 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
No
We don't share
For joint marketing with other financial companies
No
We don't share
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 668-668-4416 or email
info@citizensfarmersbank.com
What We Do
How does The Citizens-Farmers 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. We also maintain other physical, electronic, and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does The Citizens-Farmers Bank collect my personal information?

We collect your personal information, for example, when you:

- Open an account
- Give us your employment history
- Apply for a loan
- Show your driver's license
- Make deposits or withdrawals from your account

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 business 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.
See below for more on your rights under state law.

Definitions
Affiliates

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

- The Citizens-Farmers Bank has no ffiliates.

Nonaffiliates

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


- The Citizens-Farmers Bank does not share with nonffiliates so they can market to you.

Joint Marketing

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


- The Citizens-Farmers Bank doesn't jointly market.

Other Important Information
For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
For California Cnstomers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all Califomia privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint mafteting - without your authorization.
For Vermont Customers. We will not share personal information with nonaffiliates for them to market to you without your authorization and we will not share personal information with affrliates or forjoint malketing about your creditworthiness vrithout your authorization.