We, our and us, when used in this notice means The Citizens Bank.

This is our privacy notice for our customers. When we use the words, "you" and "your" we mean the following type of customers:

• All of our customers who have a continuing relationship with us, such as:
• Deposit Account
• Loan Account
• Safe Deposit Box
• Self-directed Individual Retirement Account where we act as custodian or trustee
• Business Account
• All Person who use our trust department

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.

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 comply 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.

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

• Information we receive from you on applications or other forms
• Information about your transaction with us
• Information about your transactions with our affiliates
• Information about your transactions with nonaffiliated third parties
• Information from consumer reporting agency

We do NOT disclose any nonpublic personal information about you to anyone, except as permitted by law.