Privacy Policy

FACTS	WHAT DOES CITIZENS BANK AND TRUST CO. 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 Payment history Credit history Credit scores Checking account information Wire transfer instructions 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 customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons Citizens Bank & Trust Co. chooses to share; and whether you can limit this sharing.

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
Payment history
Credit history
Credit scores
Checking account information
Wire transfer instructions

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 customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons Citizens Bank & Trust Co. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Citizens Bank and Trust Co. 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	No	We don't share
For joint marketing with other financial companies	No	We don't share
For our affiliates’ everyday business purposes- information about your transactions and experiences	No	We don't share
For our affiliates’ everyday business purposes- information about your creditworthiness	No	We don't share
For non-affiliates to market to you	No	We don't share

Questions?	Call (406) 932-5311 or go to https://ctznsbank.com/

What We Do
How does Citizens Bank and Trust Co. 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 and Trust Co. collect my personal information?	We collect your personal information, for example, when you Open an account Apply for a loan Make deposits or withdrawals from your account Make a wire transfer Show your driver's license 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 non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

What We Do

How does Citizens Bank and Trust Co. 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 and Trust Co. collect my personal information?

We collect your personal information, for example, when you

Open an account
Apply for a loan
Make deposits or withdrawals from your account
Make a wire transfer
Show your driver's license

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 non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. Citizens Bank and Trust Co. does not share with our affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Citizens Bank and Trust Co. does not share with non-affiliates so that they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Citizens Bank and Trust Co. doesn’t jointly market.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

Citizens Bank and Trust Co. does not share with our affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Citizens Bank and Trust Co. does not share with non-affiliates so that they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Citizens Bank and Trust Co. doesn’t jointly market.

Other Important Information
For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing - without your authorization. For California Customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with non-affiliates either for them to market to you or for joint marketing - without your authorization. For Vermont Customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing - without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.

Other Important Information

For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with
non-affiliates either for them to market to you or for joint marketing - without your authorization.

For California Customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with non-affiliates either for them to market to you or for joint marketing - without your authorization.

For Vermont Customers. We will not share personal information with non-affiliates either for them to market to you or for joint marketing - without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.

Personal Information

Certain personal information about visitors to this Web site is being collected by Citizens Bank and Trust Company, located in Big Timber, Montana. Personal information is collected from you at the time transactions are conducted through the online banking service. Citizens Bank and Trust Company does not use ‘cookies’ to collect and track information about you.

Information is collected for the purpose of processing your application, transaction, or request for information. The information will be used for the purposes of meeting your banking needs and requests, and providing services to you in the future. Citizens Bank and Trust Company does not sell or share customer information with any non-affiliated third parties, except certain third party service providers. These entities will be required to execute a confidentiality agreement with Citizens Bank and Trust Company which requires adherence to Citizens Bank and Trust Company’s privacy policy and practices. We share information as permitted by law in order to provide you with better services and more options.

The mobile banking app may collect personal information from you or your financial institution, such as your first and last name, address, e-mail, User IDs, telephone number, and social security number when you create an account and use . This information could include your address or contacts (e.g. to make P2P (peer to peer) payments using Zelle or other payments functionality). We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.

If you do not want your personal information collected, you may refrain from supplying the information, through Citizens Bank and Trust Company’s online banking service.

We are taking the following steps to ensure the privacy and accuracy of the information collected from or about you: Ensuring your financial privacy is of vital importance to Citizens Bank and Trust Company and its employees. Citizens Bank and Trust Company limits employee access to confidential customer financial information to those with a business reason for knowing such information. Citizens Bank and Trust Company employees are trained to understand the importance of customer financial privacy and to properly handle confidential information. Citizens Bank and Trust Company endeavors to maintain the most accurate and up-to-date customer records possible. If you find that your account information is not correct, current, or complete, please call or write to us at the telephone number or address on your account statement and appropriate corrections will be made as soon as possible.

Additionally, information you submit via our online banking service is protected by encryption technology which scrambles account information to reduce the possibility of access by unauthorized individuals outside Citizens Bank and Trust Company. To further protect your online banking service, Citizens Bank and Trust Company requires the use of an ID and password. If you set up Internet banking access in person at the bank, the ID you choose when setting up your access is confidential and your password is not known by any of Citizens Bank and Trust Company’s employees. If you sign up for Internet banking online, you will receive your ID and password in separate mailings directly from the bank. If you have forgotten your ID or password, your ID may be changed at anytime by contacting Citizens Bank and Trust Company. Your password may be changed at anytime either online, or by calling the bank to reset a generic password which must be changed by you at the first time you access the site.

You may review the information we collect about you and correct any errors in that information by reviewing account statements and any other correspondence from us and notifying us of any inaccurate or outdated information at the address or phone number on your statements.

If you have questions about your personal information or would like to inform us about the potential misuse of your personal information, you may do so by sending a letter to the Compliance Officer, Citizens Bank and Trust Company, 32 N. Central Ave. Harlowton, Montana 59036, or sending a FAX to the Compliance Officer at (406) 632-4394, or calling us at the main bank (406) 932-5311 or (888) 484-7248, located at 130 McLeod, Big Timber, MT 59011 or the Continental Branch in Harlowton, MT 59036 (406) 632-4373. or (800) 406-4898.

If you feel we have not met our obligations in the protection or use of your personal information, you may submit a complaint to Citizens Bank and Trust Company. Any complaint will be handled in compliance with Citizens Bank and Trust Company’s Consumer Complaints Policy. Breaches of customer privacy are considered serious employee misconduct and may result in termination of the employee.

We recognize the importance of protecting children's identities and privacy online. Our website is not directed at children, and we do not knowingly collect or maintain personal information from children.