PRIVACY NOTICE

FACTS

WHAT DOES CITIZENS BUSINESS 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 and Name Account Balance and Payment History Transaction History and Credit History When you are 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 Citizens Business Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Citizens Business 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	Yes	No
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 (888) 222-5432 or go to www.cbbank.com

What we do
How does Citizens Business 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.
How does Citizens Business Bank collect my personal information?	We collect your personal information, for example, when you open an account or deposit money pay your bills or apply for a loan use your credit or debit card 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 Business Bank has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Citizens Business Bank 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. Citizens Business Bank doesn't jointly market.

ONLINE PRIVACY AND SECURITY

Cookies

We will occasionally use a "cookie" for the purpose of providing improved service. A cookie is a small bit of information given to your browser by a Web site, which can later be retrieved. A cookie is a way for a Web site to recognize whether or not you have visited the site before. The cookie can only be read by the Web site that "set" the cookie. We use cookies for administrative purposes, such as online banking session management, or where you are able to customize the information you see. The use of cookies makes your online experience easier and more personal. Most cookies last only through a single session, or visit. They do not read your hard drive or contain any information that you have not already explicitly revealed. None will contain information that will enable anyone to contact you via telephone or e-mail. Your Web browser can be set to inform you when cookies are set or to prevent them from being set. However, if you elect to prevent cookies from being set, some Web banking functions may not work properly.

Cache Storage of Web Site Information

Internet browser software typically stores - or "caches" - information from the Web site being visited on the hard drive of the browsing computer for a period of time. This means that information viewed or input during a visit to a Web site can usually be viewed again merely by hitting the "Back" button in the browser application. (Some Web sites issue a "no-cache" command to browsers to prevent temporary "cache" storage from occurring.) To provide optimum performance to those who visit our Web site, we do not send a no-cache command to browsers.

To prevent others from viewing confidential information cached on the computer's hard drive during your visit to our Web site, you must clear your cache before leaving your computer accessible to another person.

E-mail Security

Internet e-mail is not secure. When sending an e-mail to us, do not provide sensitive or confidential information (for example, your account number). You may contact our ServiceLine at 1(888) 222-5432 (toll-free) during business hours, Monday through Friday between 8:00 a.m. to 6:00 p.m. or visit any of our offices if you need assistance.

Linking to Other Sites

We may provide links to other Web sites that are not controlled by Citizens Business Bank. If you choose to link to Web sites that are not controlled by Citizens Business Bank, we are not responsible for the privacy or security of these sites. You are encouraged to review the Web site’s privacy policy before providing any personal information. In addition, Citizens Business Bank does not guarantee the products, information or recommendations provided by these sites.

Aggregation Sites

Aggregation sites are Internet sites that allow you to consolidate account information from several sources on one site. To do this, an aggregation provider may request access to your personal financial information. You should ensure that the aggregator company has adequate policies to protect the privacy and security of any information you provide or to which they are gaining access, and that you trust the aggregator company.

If you provide information about your Citizens Business Bank accounts to an aggregator company, we will consider that you have authorized all transactions initiated by an aggregation site using access information you provide, whether or not you were aware of a specific transaction. If you decide to revoke the authority you have given an aggregator company, it is important that you notify us to ensure that you may continue to access your account.

Children’s Privacy

Our Web site is directed to a general audience. We do not knowingly solicit or collect personal information from children on our site.

Children's Internet Protection Act