WHY? 

Financial conmpanies 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.

How?

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

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.

-Payment history and credit history.

-Mortgage rates and payments and checking account information.

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

Reasons we can share your personal information

Does Citizens Bank of Lafayette 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 our affiliates to market to you

No

We don't share

For nonaffiliates to market to you

No

We don't share

QUESTIONS?

Call toll-free (866)666-2195 or go to www.citizens-bank.org

Who we are

Who is providing this notice?

Citizens Bancorp means the following institutions: Citizens Bank of Lafayette, Bank of Celina, Smith County Bank, Liberty State Bank, Traders Bank, American Bank & Trust of The Cumberlands.

What we do

How does Citizens Bank of Lafayette 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 of Lafayette collect my personal information?

We collect your personal information, for example, when you

- Open an account or apply for a loan

- Make deposits or withdrawals from your account or give us your contact information

- 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 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.

Definitions

Affiliates

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

- Citizens Bank of Lafayette has no affiliates.

Nonaffiliates

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

- Citizens Bank of Lafayette 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 partner(s) include Our joint marketing partners include credit card companies