Visitors to this Bank Website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:
 

• Date and time our site was accessed

• IP address (A numeric address given to servers connected to the Internet)

• Web browser used

• City, state, and country

The Bank uses this information to create summary statistics and to determine the level of interest in information available on our site.

Visitors may elect to provide us with personal information via E-mail, online registration forms, or our Online Comments. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to others.

Some areas of our Website may use a "cookie" temporarily stored in the visitor's computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.

Our Privacy Principles are included in our Website; to inquire about our Privacy Policy, contact us at the address below:
 

Citizens Bank
PO Box 30
275 SW 3rd St.
Corvallis, OR 97339-0030
541-752-5161 or
800-577-1778 Outside the Corvallis calling area
CustomerService@citizensEbank.com (Please do not send sensitive information via e-mail.)
 

PRIVACY PRINCIPLES

Citizens Bank has adopted the following principles:

Recognition of a Customer's Expectation of Privacy
Citizens Bank recognizes and respects the privacy expectations of our customers. Citizens Bank has taken the necessary steps to ensure that confidential and private information our customers share with us remains confidential. All Citizens Bank employees recognize the privacy concerns of customers and are expected to practice sensible "privacy safeguards" in their everyday activities. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible, we use technology to manage and maintain customer information. The following serves as a standard for all Citizens Bank employees for collection, use, retention, and security of nonpublic personal information.

Use, Collection and Retention of Customer Information
Citizens Bank collects, retains and uses information about individual customers only where it is required by law and the institution reasonably believes it is necessary to administer Citizens Bank's business of "providing financial institution products, services, and other opportunities" to our customers. We may collect "nonpublic personal information" about you from the following sources: Information we receive from you on applications or other loan and account forms; Information about your transactions with us or others; and Information we receive from third parties such as credit bureaus. "Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history. Citizens Bank does not currently sell data divulging any specific information about an individual customer's accounts or transactions. Additionally, Citizens Bank does not have any future plans to change our policy on selling data. In the event that Citizens Bank begins to sell customer data, the customer will be notified and presented with the opportunity to "opt out", whereupon that customer's personal data will not be sold.

Maintenance of Accurate Information
Citizens Bank has established processes and procedures to ensure that our customer's financial information maintains accurate, current and complete in accordance with reasonable commercial standards. Citizens Bank will respond in a timely manner to customer requests to correct inaccurate information.

Limiting Employee Access to Information
Citizens Bank limits access to our customers' confidential and private information to employees with legitimate business reasons for knowing such information. Citizens Bank will educate our employees about the importance of confidentiality and customer privacy. Employees will be appropriately disciplined for any failure to comply with these "Privacy Principles".

Protection of Information via Established Security Procedures
Citizens Bank maintains appropriate security standards and procedures to help prevent access to confidential customer information by anyone not authorized to access such information. Examples of these security procedures include use of computer passwords, firewalls, network security, locked fire resistant file cabinets, shredding of unnecessary documents, and more.

Restrictions on the Disclosure of Account Information
Citizens Bank does not reveal specific information about our customers or their transactions to unaffiliated third parties for their independent use, unless the information is provided:

1. to help complete a customer-initiated transaction,

2. to help administer the institution's bona fide business,

3. at the customer's request,

4. the disclosure of information is required, by law (i.e., subpoena),

5. to a reputable information reporting agency (i.e., credit bureau),

6. after the customer has been informed about the possibility of such disclosure through a prior communication and is given the opportunity to decline (i.e., "opt out").

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy principles and practices described in this notice. Maintaining Customer Privacy in Business Relationships with Third Parties
Whenever Citizens Bank does provide specifically identifiable customer information to a third party, Citizens Bank insists that the third party adhere to similar "Privacy Principles" that provide for keeping such information confidential. For example, when you order printed checks from Citizens Bank, we provide certain information to a vendor that prints checks. We do not permit third parties to sell or reuse the information for their own purposes.

Disclosure of "Privacy Principles" to Customers
Citizens Bank will make these "Privacy Principles" available to our customers to give them a better understanding of our commitment to safeguarding confidential and private information.

Special Information Applicable to Electronic (Internet) Banking
Citizens Bank's "Privacy Principles" will apply to customers' confidential and private information with regard to both traditional and non-traditional (i.e., Internet) banking activities. However, due to the unique nature of the Internet and the ease with which information can be exchanged, Citizens Bank feels it is important for customers to be aware of the unique issues surrounding Internet Banking.

To better serve legitimate Internet Banking customers:

• Citizens Bank collects generic information about visitors to our website. This information includes the date and time of access, the Internet service provider's address, the web browser used, and the visitor's physical location.

• Citizens Bank requires customers to utilize specific passwords for access to confidential and private information. Citizens Bank reminds customers of their responsibility to safeguard login IDs and passwords. In addition, commercial customers should carefully screen those employees to whom user IDs and passwords are granted.

• Citizens Bank utilizes encryption, firewall, router, third party verification procedures, real-time intrusion detection software and other security software and hardware to help prevent unauthorized eavesdropping of and access to customers' confidential and private information.

• Citizens Bank utilizes virus protection software to help prevent the spread of computer viruses.

• Citizens Bank utilizes "cookies" to help authenticate our customers' identities and to help facilitate the exchange of information between Citizens Bank systems and our customers' systems.

• Citizens Bank reminds all of our customers that links in the institution's website can be found to websites not under our control. These websites will not necessarily comply with Citizens Bank's "Privacy Principles" and security standards.

• Citizens Bank reminds all of our customers that confidential and private information may be compromised in both traditional and non-traditional banking activities. Citizens Bank can only establish policies and procedures to help restrict use of and access to confidential and private information. If any Citizens Bank customers believe that confidential and private information has been compromised, please contact Citizens Bank immediately so that the potential breach can be investigated.

Comments or Complaints by Customers
Any comments or complaints about this policy, any privacy-related issue or any inaccuracy in customer data can be made by contacting:

Compliance Officer
Citizens Bank 275 SW 3rd Street
PO Box 30
Corvallis, Oregon 97339-0030
(541) 752-5161
CustomerService@citizensEbank.com (Please do not send sensitive information via e-mail.)