Privacy Notice

At Citizens First Bank, the basis of each customer relationship is trust. 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.

CONFIDENTIALITY AND SECURITY OF NONPUBLIC PERSONAL INFORMATION

We restrict access to nonpublic personal information about you to those 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. Further, each director, officer, and employee has been made aware of his/her responsibility to respect the  privacy concerns of our customers and to safeguard nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION WE COLLECT

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

• Information we receive from you on applications or other forms.

• Information about your transactions with us or others.

• Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

NONPUBLIC PERSONAL INFORMATION DISCLOSURE

We do not disclose any information about you to anyone, except as permitted by law.  This might include information about you to third parties to assist us in servicing your loan(s) or account(s) with us, to government entities in response to subpoenas or other governmental information requests, and to credit bureaus.  In addition, we may disclose the information we collect about you as described above to companies that perform marketing services on our behalf and to and to financial institutions for the purpose of jointly offering financial products and services to you, such as mortgage life insurance.

If you close your account(s) or your relationship becomes inactive, we will continue to adhere to the privacy policies described in this notice.