Rev 10-18-10

FACTS	WHAT DOES CITIZENS BANK AND TRUST 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: n Social Security number and Account Balances n Credit Scores and Debt Information n Income and Employment Information 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 Bank and Trust chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information		Does Citizens Bank and Trust 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	Yes
For joint marketing with other financial companies		Yes	Yes
For our affiliates’ everyday business purposes— information about your transactions and experiences		NA	NA
For our affiliates’ everyday business purposes— information about your creditworthiness		NA	NA
For non-affiliates to market to you		Yes	Yes
To limit our sharing	n Call 256-505-4600-our menu will prompt you through your choice(s) or n Visit us online: www.citizensbanktrust.com or write to us at P.O. Box 250, Guntersville, AL 35976 Please note: If you are a new customer, we can begin sharing your information 60 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?	Call 256-505-4600 or go to any Branch or LPO

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Who we are
	Leave Blank OR [If you have a joint account your choice(s) will apply to everyone on your account unless you mark below. n Apply my choices only to me]	Mark any/all you want to limit: n Do not share information about my creditworthiness with your affiliates for their everyday business purposes. n Do not allow your affiliates to use my personal information to market to me. n Do not share my personal information with non-affiliates to market their products and services to me.
		Name	Mail to: Citizens Bank and Trust P.O. Box 250 Guntersville, AL 35976
		Address
		City, State, Zip
		[Account #]

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Who we are
Who is providing this notice?	Citizens Bank and Trust
What we do
How does Citizens Bank and Trust 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 limit employee access to customer information to those situations in which there is an appropriate business purpose.
How does Citizens Bank and Trust collect my personal information?	We collect your personal information, for example, when you n open any account or deposit money n apply for a loan or other financial service n cash a check We also collect your personal information from others, such as credit bureaus, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only n sharing for affiliates’ everyday business purposes—information about your creditworthiness n affiliates from using your information to market to you n sharing for non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account unless you tell us otherwise.
Definitions
Affiliates		Companies related by common ownership or control. They can be financial and nonfinancial companies. n Citizens Bank and Trust currently has no affiliates other than our banks’ holding company
Non-affiliates		Companies not related by common ownership or control. They can be financial and nonfinancial companies. n Credit bureaus or other 3^rd party service providers necessary to administer our business, provide superior service and extend offers that we believe are of interest to our customers
Joint marketing		A formal agreement between nonaffiliated financial companies that together market financial products or services to you. n Citizens Financial Solutions is a Trade Name of the Bank and offers financial services through Infinex Investments, Inc.
Other important information
The policies and practices described in this disclosure are subject to change, significant changes will be communicated to our customers as required by applicable law. CB&T will comply with all FCRA regulations related to customer information. CB&T will maintain physical, electronic and procedural safeguards that comply with federal standards to guard non-public information. The policies described in this disclosure replace all previous notices or statements regarding this subject.