Citizens Bank and Trust Company

Information About Your Privacy

Rev. Jan. 2011

FACTS	WHAT DOES CITIZENS BANK & TRUST/COCHRAN BANK & TRUST DO WITH YOUR PERSONAL INFORMATION?

Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and payment history Account balances and transaction history Credit history and transaction or loss history When you are no longer our customer, we continue to share your information as described in this notice.

How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Citizens Bank & Trust/Cochran Bank & Trust chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information		Does Citizens Bank & Trust/Cochran Bank & Trust share?	Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus		Yes	No
For our marketing purposes— to offer our products and services to you		Yes	No
For joint marketing with other financial companies		Yes	No
For our affiliates’ everyday business purposes— information about your transactions and experiences		No	We do not share
For our affiliates’ everyday business purposes— information about your creditworthiness		No	We do not share
For our affiliates to market to you		No	We do not share
For nonaffiliates to market to you		No	We do not share

Questions?	Call 478-374-4754 or go to www.citizensbankandtrust.net

Who we are
Who is providing this notice?	Citizens Bank & Trust Company/Cochran Bank & Trust
What we do
How does Citizens Bank & Trust/ Cochran Bank & Trust protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Citizens Bank & Trust/ Cochran Bank & Trust collect my personal information?	We collect your personal information, for example, when you open an account or deposit money pay your bills or apply for a loan use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes—information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you
Why happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Citizens Bank & Trust/Cochran Bank & Trust does not share with affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Citizens Bank & Trust/Cochran Bank & Trust does not share with nonaffiliates so they can market to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include financial service providers such as insurance companies.

Citizens Bank & Trust Company P. O. Box 339 Eastman, Georgia 31023 478-374-4754
Helena – McRae P.O. Box 100 Helena, Georgia 31037 229-868-2983	Rhine P.O. Box 339 Rhine, Georgia 31077 229-385-5101	Warner Robins 1041 Highway 96 Warner Robins, Georgia 31088 478-987-6000
Cochran Bank & Trust A Division of Citizens Bank & Trust Company P.O. Box 610 Cochran, Georgia 31014 478-934-4400

MEMBER FDIC

Terms of Use