NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice refers to Citizens Bank & Savings Company and CBS Bank, Moulton.

This is our privacy notice for our customers who have a continuing relationship with us such as deposit account, loan, credit card, or safety deposit box.

We first define some terms:

Nonpublic personal information means information about you that we collect
in connection with providing a financial product or service to you. Nonpublic
personal information does not include information that is available from public
sources, such as telephone directories or government records.

An affiliate is a company we own or control, a company that owns or controls
us, or a company that is owned or controlled by the same company that owns or
controls us. Ownership does not mean complete ownership, but means owning
enough to have control.

A nonaffiliated third party is a company that is not an affiliate of ours.

THE INFORMATION THAT WE COLLECT

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

• Information we receive from you on applications or other forms;
• Information about your transactions with us, our affiliates, or others;
• Information we receive from a nonaffiliated third party; and
• Information we receive from a consumer reporting agency.

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR 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.

INFORMATION WE DISCLOSE ABOUT YOU

We may disclose nonpublic personal information about you to our affiliates. The type of information we may disclose is as following:

• Information we receive from you on applications and other forms, such as your name, address, and telephone number
• Information about your transactions with us such as type of account

Federal law allows us to disclose the information listed above with our affiliates.

TYPES OF AFFILIATES

We may disclose nonpublic personal information about you to our affiliate, Citizens Investment & Insurance, Inc., an insurance agency and registered branch of a nonaffiliated securities broker dealer.

INFORMATION WE DISCLOSE ABOUT FORMER CUSTOMERS

We do not disclose nonpublic personal information about former customers except as permitted by law.

INFORMATION WE DISCLOSE TO NONAFFILIATED THIRD PARTIES

We do not disclose nonpublic personal information on you to anyone except as
disclosed in this policy or as permitted by law.

AUTHORIZED SHARING FOR MARKETING SERVICES

We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf.

HOW TO CONTACT US

If you would like additional information or have questions regarding Citizens Bank’s Privacy Policy, please telephone us toll free at 1-877-332-1710.

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