Privacy Notice Citizens Commerce

Facts	WHAT DOES Citizens Commerce DO WITH YOUR PERSONAL INFORMATION?
Facts Why?	WHAT DOES Citizens Commerce DO WITH YOUR PERSONAL INFORMATION? 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.
Facts What?	WHAT DOES Citizens Commerce DO WITH YOUR PERSONAL INFORMATION? 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 Transaction or loss history and account transactions When you are no longer our customer, we continue to share your information as described in this notice.
Facts How?	WHAT DOES Citizens Commerce DO WITH YOUR PERSONAL INFORMATION? 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 Commerce chooses to share; and whether you can limit this sharing.

Facts

WHAT DOES Citizens Commerce DO WITH YOUR PERSONAL INFORMATION?

Facts

Why?

WHAT DOES Citizens Commerce DO WITH YOUR PERSONAL INFORMATION?

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.

Facts

What?

WHAT DOES Citizens Commerce DO WITH YOUR PERSONAL INFORMATION?

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
Transaction or loss history and account transactions
When you are no longer our customer, we continue to share your information as described in this notice.

Facts

How?

WHAT DOES Citizens Commerce DO WITH YOUR PERSONAL INFORMATION?

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 Commerce chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Citizens Commerce share?	Can you limit this sharing?
Reasons we can share your personal information 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	Does Citizens Commerce share? Yes	Can you limit this sharing? No
Reasons we can share your personal information For our marketing purposes - to offer our products and services to you	Does Citizens Commerce share? No	Can you limit this sharing? We don't share
Reasons we can share your personal information For joint marketing with our financial companies	Does Citizens Commerce share? Yes	Can you limit this sharing? No
Reasons we can share your personal information For our affiliates' everyday business purposes - information about your transactions and experiences	Does Citizens Commerce share? No	Can you limit this sharing? We don't share
Reasons we can share your personal information For our affiliates' everyday business purposes - Information about your creditworthiness	Does Citizens Commerce share? No	Can you limit this sharing? We don't share
Reasons we can share your personal information For our affiliates to market to you	Does Citizens Commerce share? No	Can you limit this sharing? We don't share
Reasons we can share your personal information For nonaffiliates to market to you	Does Citizens Commerce share? No	Can you limit this sharing? We don't share

Questions?

Call 859-879-9455 or go to www.citizenscommerce.com

What We Do
What We Do How does Citizens Commerce 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.
What We Do How does Citizens Commerce collect my personal information?	We collect your personal information, for example, when you Apply for a loan or deposit money Make a wire transfer or provide account information Provide employment information
What We Do 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 you State law and individual companies may give you additional rights to limit sharing.

What We Do

How does Citizens Commerce 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.

What We Do

How does Citizens Commerce collect my personal information?

We collect your personal information, for example, when you

Apply for a loan or deposit money
Make a wire transfer or provide account information
Provide employment information

What We Do

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

Definitions
Definitions Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Citizens Commerce has no affiliates.
Definitions Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Citizens Commerce does not share with nonaffiliates so they can market to you.
Definitions Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products services to you. Our joint marketing partners include companies such as securities broker-dealers and insurance companies.

Definitions

Affiliates

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

Citizens Commerce has no affiliates.

Definitions

Nonaffiliates

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

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

Definitions

Joint Marketing

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

Our joint marketing partners include companies such as securities broker-dealers and insurance companies.