Planters & Citizens Bank collects, retains, and uses information about individual customers only when we believe it would be useful (and allowed by law) in administering our business and to provide products, services, and other opportunities to customers. This information is obtained from application information, transaction information, and consumer report information.

Planters & Citizens Bank will use a customer's personally identifying information in our normal course of business. Personal information will not be sold or distributed to other parties for marketing purposes.

Planters & Citizens Bank may disclose the information described above to other parties:

• when that information is requested by you
• when it is needed to process or complete a transaction initiated by you
• when required or allowed by law
• with reputable credit reporting agencies

You have separate opt out rights under the Fair Credit Reporting Act regarding the disclosure of information to bank-affiliated third parties.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.