CITIZENS BANK PRIVACY POLICY
& ONLINE PRIVACY PRACTICES NOTICE

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 customers’ 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 bank and website.

Categories of Information That We May Collect

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

  • Applications or other loan and deposit account forms;
  • Transactions with us, our affiliates or others; and
  • From a consumer-reporting agency.

Categories of Information That We May Disclose

We may disclose the following kinds of nonpublic personal information about you:

  • Information we receive from you on applications or other forms, such as your name, address and phone number.
  • Information about your transactions with us, such as your average account balance.

Categories of Parties To Whom We May Disclose

We may disclose nonpublic personal information about you to the following types of “affiliates” (i.e., companies related to us by common control or ownership).

  • Financial service providers: Citizens Bankshares, Inc. and its subsidiaries; The Citizens Bank and Citizens Trust and Investment Corporation.

We may also disclose nonpublic personal information about you to nonaffiliated third parties (i.e., third parties that are not members of our corporate family) in the following instances: 1) to assist us in servicing your loan or account with us; 2) to government entities in response to subpoenas; and 3) to credit bureaus. We do not disclose any nonpublic personal information about you to any other third parties, except as permitted by law.

Information Regarding Former Customers

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

Nonpublic Personal Information We Disclose For Marketing Purposes

We may disclose the following information to a service provider that performs marketing services on our behalf:

  • Information we receive from you on applications or other forms, such as your name and address.
  • Information about your transactions with us, such as the date the account was opened and the date of last activity.

Confidentiality and Security of Nonpublic Personal Information

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.

Medical Information

We do not share medical or health information among our family of companies except to process transactions or to provide services you have requested or initiated.

ONLINE PRIVACY PRACTICES

We have a long standing commitment to protecting the confidentiality of our customers’ personal financial information. While our privacy policy is the same whether or not you are online or not, we believe it will be helpful to have an overview of how this commitment is applied when we collect, use, and protect your personal information when you visit us online.

Collection and Use of Information

As it pertains specifically to the website, we collect, retain, and use information that you provide to us so that we may respond to inquiries by you, process information received as part of an online survey or promotional contest, process online applications, and/or complete transactions or perform services you have requested. We retain e-mail addresses from our customers when they are provided to us in any fashion (e.g., verbally, in writing, electronically). Such methods include, but are not limited to, when you submit an e-mail inquiry or provide an e-mail address through the Citizens Bank website.

Cookies

Software “Cookies” are designed to customize and simplify your use of a specific website. They are small files of information that are commonly used by websites and do not harm your system. Cookies interact with your browser and are used by the web server you are visiting to track your usage of that website and to identify you and your preferences for certain kinds of information each time you visit. It is important to know that cookies will not contain information that would enable anyone to personally identify you or to contact you via e-mail, telephone, or traditional mail. You can set-up your browser to inform you when cookies are set or to prevent cookies from being set. At present, we only employ the use of cookies through the Online Applications (Deposit Accounts and Consumer Loans) portions of the website.

Online Security

The accounts and services you apply for or enroll in online may require you to provide personal information needed for the processing of those accounts and services. The information we accept through the online applications portion of the Citizens Bank website requires the use of industry standard Secure Socket Layer (SSL) enabled browsers.

Inquiries sent through the “Contact Us” or the “E-mail Us” buttons within the Citizens Bank website are secure. The secure e-mail portion of the Bank’s website provides a secure contact feature and enables you to send messages securely and confidentially through that portion of the website itself. However, if our response to your e-mail requires communication of confidential customer information, one of the Citizens Bank Customer Representatives will contact you by standard communication means, i.e. mail or telephone, because our response to you cannot be made through secure means. In addition, any communication by you through the website’s WEBMASTER link will also not be secure.

Links to Other Websites

Citizens Bank’s Online Privacy Practices do not apply to websites operated by third parties that you may access through links from our website. If you would like information regarding the collection, retention, and use of information through these third party websites, you should visit the website in question or contact the operator of the site.

Children’s Online Privacy

We respect the privacy rights of your children. We do not knowingly collect, maintain, or use personally identifiable information from children under age 13 from our websites. We are not responsible for the data collection and use practices of nonaffiliated third parties to whom our websites may link.

Privacy Policy and Online Privacy Practices effective date: April 1, 2005

If you have any questions about how Citizens Bank protects confidential information, please call or write us at:
The Citizens Bank
500 West Broadway
P.O. Box 4140
Farmington , NM 87499-4140
Phone: (505) 599-0100 or 1-800-325-9961
Fax: (505) 326-3171



ABOUT SSL CERTIFICATES
Member FDIC
©2014 Citizens Bank of New Mexico, All Rights Reserved.