Citadel Bank [Privacy Policy]

THE CITADEL BANK PRIVACY POLICY

At The Citadel Bank, we clearly understand the importance of confidentiality and trust when it comes to handling private financial information. With this in mind, we have established the following Privacy Policy.

1. COLLECTION, USE AND RETENTION OF CUSTOMER INFORMATION The Citadel Bank collects, retains and uses customer information only when we reasonably believe it necessary to administer our business and to provide products, services or other opportunities to our customers. We use the information that we collect to identify you, communicate with you and respond to your questions. It also helps us to understand which of our products and services will best suit your needs.

2. ACCURACY OF INFORMATION We have established internal procedures to help ensure that customer information is accurate, current and complete. If a customer notifies us that any information is incorrect, we will make every effort to correct it in a timely manner.

3. EMPLOYEE OBLIGATION We limit employee access to personally identifiable information to those employees with a business reason for knowing such information. We have educated our employees so they understand the importance of confidentiality and customer privacy. This education discourages employees from discussing or disclosing customer information inside or outside of The Citadel Bank.

4. AUTHORIZATION TO OBTAIN INFORMATION When you open an account with us, you authorize us to obtain information from consumer reporting agencies and make credit investigations we deem appropriate. In some cases, you authorize us to obtain periodic credit reports for the purpose of monitoring our continuing banking relationship with you.

5. SHARING YOUR INFORMATION The Citadel Bank does not sell or reveal any information about our customers to third parties for their marketing efforts or any other commercial purposes. We disclose information to third parties about our customers only under certain circumstances, including: (A) when it is necessary for completing transactions; (B) the customer requests it; (C) in order to comply with a government agency or court (subpoena's, investigation of fraudulent activity, etc.); (D) when other entities are involved with the products or services we offer; or (E) we initiate any collection or enforcement actions.

6. DISCLOSURE OF PRIVACY PRINCIPLES TO CUSTOMERS In our commitment to provide you with quality products and personal, but professional customer service, we will make these principles available to you on a regular basis. If you are concerned about financial privacy and want to know more about this important issue, please contact us at 719-597-0170 or email us at info@citadelbank.com. We reserve the right to change this policy at any time.

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