PRIVACY POLICY
Citizens Bank
Claude, TX - Tucumcari, NM - Tulia, TX
           (Effective December 1, 2004)

The following privacy principles were established to maintain the security, integrity and confidentiality of your personal financial information.

We collect nonpublic personal information about you from the following sources:

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

We do not disclose our transaction and experience history concerning our current or previous customers to affiliated third parties.

We may disclose our transaction and experience history concerning our current or previous customers to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

We do not share our current or previous customer’s or consumer’s nonpublic personal information with nonaffiliated third parties except as permitted or required by law.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Citizens Bank is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking.  Any consumer wishing to file a complaint against Citizens Bank should contact the Texas Department of Banking through one of the means indicated below:

In person or U.S. Mail: 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294
Telephone No.: 877/276-5554
Fax No.: 512/475-1313
E-mail: consumer.complaints@banking.state.tx.us
Web site: www.banking.state.tx.us

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