STATEMENT ON THE PRIVACY OF CONSUMER INFORMATION

At Citizens Bank, Ville Platte, Louisiana, we respect your privacy expectations and
rights regarding financial information and other related information which the
Bank has or gathers in the normal course of business. Citizens Bank, Ville Platte,
Louisiana, 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.
We collect non-public personal information about you, our customer, from the
following sources:

Information we receive from you on applications or other forms; Information from
your transactions with us or with others; and information we receive from a
consumer reporting agency or others.
We may disclose all the information we collect, as described above, to companies
that perform marketing services on our behalf or to other financial institutions with
whom we have joint marketing agreements.
We do not disclose any non-public personal information about you to anyone, except
as permitted by law.

If you decide to close your account(s) or become an inactive customer, we will
adhere to the privacy policies and practices as described in this notice.
We restrict access to non-public 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 safe-guards that comply with federal
standards to guard your non-public personal information.

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