NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

Your privacy is important to us at the Citizens Bank of Ashville. The bank gathers personal information in it normal course of business to provide quality products and services to you. We respect your right to regard this information as confidential.

DEFINITIONS:

Customer means one who has established a continuing relationship with us (for example, a deposit account, a loan account, credit card, safe deposit box, an IRA account where we act as custodian).

Nonpublic personal information means information that we collect in connection with providing a financial product or service. Non public personal information does not include information that is available from public sources, such as telephone directories or government records.

Affiliate means a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does no mean complete ownership, but means owning enough to have control.

Nonaffiliated third party is a company that is not an affiliate of ours.

INFORMATION THAT WE COLLECT

We collect nonpublic personal information about you from the following sources:

* Information we receive from you on applications or other forms
* Information about your transactions with us, our affiliates or others
* Information from a consumer reporting agency

INFORMATION WE DISCLOSE ABOUT YOU

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

THE CONFIDENTIALITY AND SECURITY OF YOUR NONPUBLIC PERSONAL INFORMATION

 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 standards to guard your nonpublic personal information.