Citizens Bank has created this privacy statement in order to demonstrate our firm commitment to privacy. The following discloses our information gathering and dissemination practices for this website.

Links to Other Internet Web Sites
This site contains links to other sites on the Internet. Citizens Bank is not responsible for the privacy practices or the content of such Web sites.

Collection of Electronic Information

• Your IP address is used to help diagnose problems with our server, to administer our Web site, and to verify transactions on Internet Banking.
• Your IP address is used to gather broad demographic information.
• Our site uses a cookie to remember that you do not want to see the homepage pop-up window which tells you that we have no control over the content of other websites linked to www.citizensbankrb.com. This cookie does not gather any other information of any kind.

Our Privacy Commitment to You. We recognize, respect and protect the personal privacy rights of all our customers. We realize that our customers entrust us with personal information and it is our policy to maintain our customer's information in a confidential manner. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers' personal information, as well as personal information of all consumers who visit our institution and website.

Confidentiality and Security of Nonpublic Personal Information. Citizens Bank restricts access to your personal and account information to those employees who need to know that information to provide products or services to you. We also maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Nonpublic Personal Information We Collect. During the course of business. Citizens Bank collects nonpublic personal information about you, such as your income, net worth, driver's license number, social security number and address from the following sources:

• Information we receive from you on applications or other forms;
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from a consumer-reporting agency.

NonpubIic Personal Information We Disclose. We do not disclose any nonpublic personal information about you to anyone, except as permitted by law -such as sending information returns to the Internal Revenue Service, responding to subpoenas or providing information to consumer-reporting agencies; i.e. credit bureaus.

We may disclose all the information we collect, as described above to companies that perform marketing services on our behalf or to other financial corporations with whom we have joint marketing agreements, such as our credit card issuers. We may disclose information about your transactions and experiences with our affiliates, such as average balance, payment history, types of accounts you may have with us.

If you decide to close your account{s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.

Notify Us of Inaccurate Information We Report to Consumer Reporting Agencies. Please notify us if we report any inaccurate information about your account(s) to a consumer reporting agency .Your written notice describing the specific inaccuracy(ies) should be sent to us at the following address: Citizens Bank,Attn: Credit Officer, P .0. Box 1078, Mount Vernon KY 40456.

Security
This site has security measures in place to protect the loss, misuse and alteration of the information under our control.

Choice/Opt-Out
Our site provides users the opportunity to opt-out of receiving communications from us and our partners at the point where we request information about the visitor. This site gives users the following options for removing their information from our database to not receive future communications or to no longer receive our service.

You can send mail to the following postal address:
Citizens Bank, PO Box 1078, Mount Vernon KY 40456
Attn: Website Privacy

Correct/Update
This site gives users the following options for changing and modifying information previously provided. Send mail to the following postal address:
Citizens Bank, PO Box 1078, Mount Vernon KY 40456
Attn: Website Corrections

Contacting the Web Site
If you have any questions about this privacy statement, the practices of this site, or your dealings with this Web site, you can contact:
Dennis Weiskircher or John Hopkins
435 US Highway 150 W
P.O. Box 1078
Mount Vernon, KY 40456
webmaster@citizensbankrb.com

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