TERMS & CONDITIONS

Visit the Privacy Policy Page

.Bank

The .BANK domain is recognized as the global platform for growth and innovation in the financial services industry. Since its launch in 2015, thousands of banks have registered .BANK domains and are now using them. Created and managed by banking and security experts, this trusted home on the internet serves as a solid foundation for banks to securely and effectively communicate with customers, stakeholders and regulators. To learn more, visit American Bankers Association at aba.com.

Citizens First Bank is committed to providing a trusted, secure experience for our customers and visitors.

Online Privacy Policy

CITIZENS FIRST BANK| ONLINE PRIVACY NOTICE

Effective: August 15^th, 2017

At Citizens First Bank, we are dedicated to safeguarding your privacy. We want you to know how we may gather, use, share, and retain information about you and the choices you may have.

When we provide Citizens First Bank products or services to you, we may also give you specific additional details about how we will use your personal information.

This online privacy notice applies to Citizens First Bank websites and online applications that run on smart phones, tablets, and other mobile devices (“apps”) that link to this Notice.

PROTECTING CHILDREN’S ONLINE PRIVACY

We recognize the importance of protecting the privacy of children online, and we comply with the requirements of the Children’s Online Privacy Protection Act that are applicable to us. We do not knowingly collect personal information from consumers under the age of 13.

The Children’s Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to and which knowingly collect information from children under the age of 13. Citizens First Bank does not knowingly solicit individually identifiable personal information from or about children online and does not knowingly market our products to children online. We fully support protecting children’s identities and privacy online and recognize the responsibility to do so rests with both the online industry and with the parents.

For additional information on COPPA protections, to protect your child’s privacy online, visit the Federal Trade Commission’s website at https://www.consumer.ftc.gov/articles/0031-protecting-your-childs-privacy-online, aimed at educating both parents and children about the dangers of the Internet and how to browse safely.

Please note, the content of this notice is subject to change. When updated, we will update the “Effective” date at the top of this page.

What information does this Online Privacy Notice cover?

This online privacy notice describes how we (and our Service Providers may collect, use, share, and keep information that we get about you online. We gather Online Information if you:

• Visit or use our websites or apps;
• Receive or reply to electronic communications from us;
• View or click on our ads or other online content; and
• Interact with us through social media websites and other websites and apps.

In this notice, we also explain how we may combine Online Information with Other Information and how we then use the combined information.

What information do we collect and how we collect it?

The types of information we collect depends on which product or service you use.

Sometimes you give information directly to us (or to our Service Providers For example, you might give us your name, account number, email, mailing address, phone number, or date of birth when you:

• fill out an online form or survey;
• register, log into or update the settings on your account using our online services;

We (and our Service Providers or Third-Party Ad-Servers ) also collect information through Cookies and Similar Technologies Most Cookies and Similar Technologies will only collect De-Identified Information such as how you arrive at our website or your general location. However, certain Cookies and Similar Technologies do collect Personal Information. For example, if you click Remember Me when you log in to our website, a cookie will store your username.

We (and our Service Providers or Third-Party Ad-Servers ) may collect information using Cookies and Similar Technologies about:

• the device you use to browse our websites (for example, we may collect information about the operating system or the browser version and the type of device you use to open electronic communications from us);
• the IP Address and information related to that IP Address such as domain information, your internet operating system or the browser version and the type of device you use to open electronic communications from us);
• browsing history on our websites or apps (such as what you search for, the pages you view, how long you stay, and how often you come back);
• how you search for our websites or apps, from which website you came from;
• which ads or online content from us you view, access, or click on;
• your browsing activities over time and across other websites, following your visit to one of our websites or apps;
• whether you open our electronic communications and which parts you click on; and

We (and our Service Providers or Third-Party Ad-Servers ) may also collect information made publicly available through third-party platforms (such as online social media platforms), through online databases or directories, or that is otherwise legitimately obtained. This information may be governed by the privacy notice(s) provided by the third-party at the time of collection.

How do we use the information we collect about you?

We may use Online Information we collect about you on its own or combine it with Other Information to:

• deliver products and services, including to:
  • recognize you when you return to our websites or use our apps;
  • complete transactions;
  • tell you about updates to your accounts, products, and services;
  • update you about new features and benefits;
  • answer questions and respond to your requests made through our websites or apps and through third-party websites (including social media);
  • determine how to best provide services to you and manage your accounts, such as the best way and time to contact you;
  • improve our websites and make them easier to use;

• advertise and market our products and services to:
  • send or provide you with ads, promotions, and offers;
  • analyze whether our ads, promotions, and offers are effective;
  • help us determine whether you may be interested in new products or services;
• conduct research and analysis, including to:
  • better understand our customers and website visitors or app visitors;
  • produce data analytics, statistical research, and reports;
  • review and change our products and services;
• manage fraud and security risk, including to:
  • detect and prevent fraud or criminal activity;
  • safeguard the security of your information;
• assess credit risks relating to our business, including to:
  • evaluate and process your applications for our products and services and manage your existing accounts; and
• use it in other ways as required or permitted by law or with your consent.

How do we share your information?

Some Online Information is Personal Information.

How we treat your Personal Information

We do not share Personal Information with anyone except as described below. We may share Personal Information as required or as permitted by law, such as:

• with credit bureaus and similar institutions to report or ask about your financial circumstances, and to report or collect debts you owe;
• with regulatory authorities, courts, and governmental agencies to comply with legal orders, legal or regulatory requirements, and government requests;
• with our Service Providers , regulatory authorities, and governmental agencies to detect and prevent fraud or criminal activity, and to protect the rights of Citizens First Bank or others;
• with our Service Providers who perform services for us and help us operate our business (we require Service Providers to safeguard Personal Information and only use your Personal Information for the purposes we specify);
• with financial institutions or Co-brand Partners with whom we jointly offer or develop products and services (but they may not use your Personal Information— in particular your email address — to independently market their own products or services to you unless you consent that they can do so);
• for specific products or services, when you have given your consent.

We may transfer Personal Information to Service Providers or to process transactions and provide you with our products or services. Regardless of where we process your information, we still protect it in the manner described in this online privacy notice and according to the applicable laws.

How do we keep and safeguard your information?

We use administrative, technical, and physical security measures to protect your Personal Information. These measures include computer safeguards and secured files and facilities. We take reasonable steps to securely destroy or permanently de-identify Personal Information when we no longer need it. We will keep your Online Information only as long as we must to deliver our products and services, unless we are required by law or regulation or for litigation and regulatory investigations to keep it.

What are your choices?

You have choices about how Citizens First Bank uses your information, such as how we market to you.

You can choose whether you would like to receive direct marketing communications via email and/or telephone. Please be aware that if you choose not to receive such communications, certain offers attached to the products or services you have chosen may be affected. We will still communicate with you in connection with servicing your account, fulfilling your requests, or administering any promotion or any program in which you have elected to participate.

You can also follow the instructions on the bottom of emails. If you have questions about our online privacy notice, call us Toll Free at 877.902.1442.

How can you update your Personal Information?

To update your personal information please call us at 563-243-6000 or Toll Free at 877-902-1442 to speak with Customer Service.

Glossary

Citizens First Bank (we, our, us) — the Citizens First Bank Company as identified at the beginning of this online privacy notice.

Co-brand Partners — businesses we partner with to offer cards featuring both brand logos (for example SHAZAM). technology

Cookies and Similar Technologies — a cookie is a small data file that a website transfers to your computer’s hard drive. In some instances, Citizens First Bank may use cookies to help us establish your identity when you visit our web site. This technology is only used to improve your experience on our web site by sending you more personalized information and product offers. We do not use cookies to get data from your hard drive or to get your email address or any other personal information. We use the term Cookies and Similar Technologies in this notice to refer to all technologies that collect information in this way.

De-Identified Information — data or information used in a way that does not identify you to a third party. IP Address — a number assigned to a device when connecting to the Internet.

Online Information — data or information collected on the Citizens First Bank websites and apps as well as on websites and apps of third parties relating to topics about our business.

Other Information — Citizens First Bank internal information (for example, Card transaction data), external data that financial companies use to process applications and complete transactions, and other information we collect from or about you.

Personal Information— information that can identify a person, such as name, address, telephone number, and email address.

Service Providers — any vendor, third party and/or company that performs business operations on our behalf, such as printing, mailing, and other communications services (email, direct mail, etc.), marketing, data processing, servicing, collections, or ad management.

Third-Party Ad-Servers — companies that provide the technology to place ads on websites (and apps) and track how ads perform. These companies may also place and access cookies on your device. The information they collect from our websites is in a form that does not identify you personally.

At Citizens First Bank, we are dedicated to safeguarding your privacy. We want you to know how we may gather, use, share, and retain information about you and the choices you may have.

When we provide Citizens First Bank products or services to you, we may also give you specific additional details about how we will use your personal information.

This online privacy notice applies to Citizens First Bank websites and online applications that run on smart phones, tablets, and other mobile devices (“apps”) that link to this Notice.

Protecting Children’s Online Privacy

We recognize the importance of protecting the privacy of children online, and we comply with the requirements of the Children’s Online Privacy Protection Act that are applicable to us. We do not knowingly collect personal information from consumers under the age of 13.

The Children’s Online Privacy Protection Act (COPPA) was passed to give parents increased control over what information is collected from their children online and how such information is used. The law applies to websites and services directed to and which knowingly collect information from children under the age of 13. Citizens First Bank does not knowingly solicit individually identifiable personal information from or about children online and does not knowingly market our products to children online. We fully support protecting children’s identities and privacy online and recognize the responsibility to do so rests with both the online industry and with the parents.

Online Banking Agreement

This Agreement provides information about the Citizens First Bank Online/Digital Banking service and contains the disclosures required by the Electronic Funds Transfer Act, as implemented by Regulation E (CFPB, 12 C.F.R. 1005). For the purpose of this Agreement, the words “You,” “Your,” and “Yours” refer to the holder of an account with Citizens First Bank. The words “We,” “Us,” “Our,” and “Bank” refer to Citizens First Bank.

By using Citizens First Bank Online/Digital Banking, as defined below, you agree to be bound by the terms and conditions contained in this Agreement. Online/Digital Banking transactions are additionally governed by any other separate agreement(s) you may have with Citizens First Bank, including, but not limited to, the Account Signature Card, the Account Agreement, the Loan Agreement and the Fee Schedule.

RECEIPT OF DISCLOSURES

You understand that this Agreement incorporates the initial disclosures that the Bank is required to provide to you under Regulation E. You agree to receive these initial disclosures in an electronic format (for example, by viewing them on your computer screen) and you have the ability to print or download this Agreement if you wish to retain a copy of it. If you do not have the ability to print or download this Agreement you should immediately request written disclosures by contacting Citizens First Bank at 563.243.6000 or toll free at 877.902.1442 and by writing us at 1442 Lincoln Way, Clinton, IA 52732. You may request disclosures at any time.

EQUIPMENT REQUIREMENTS

You are responsible for maintaining all internet connections, browsers, hardware and software that are necessary to access Citizens First Bank Online/Digital Banking. The Bank is not responsible for any errors or failures of your computer or software. The Bank is not responsible for any computer virus or related problems that may be associated with your use of this service.

DEFINITION OF BUSINESS DAY

For determining the availability of deposits, every day is a business day, except Saturday, Sunday and federal holidays. Any transactions, via Citizens First Bank Online/Digital Banking, completed after 5:30 p.m. may be treated as a transaction on the next business day. We may treat any correspondence from you, via email, received after 5:30 p.m. on a business day as if we had received it the following business day. All references to time in this document are Central Time (CT).

HOURS OF ACCESSIBILITY FOR CITIZENS FIRST BANK ONLINE/DIGITAL BANKING

You may use Citizens First Bank Online/Digital Banking virtually any time, day or night, 7 days a week. However, Citizens First Bank Online/Digital Banking may be temporarily unavailable due to record updating or technical difficulties. To utilize Citizens First Bank Online/Digital Banking, you will need to enter your User ID and password and otherwise satisfy the system’s security procedures.

SERVICES AND FEES THROUGH CITIZENS FIRST BANK ONLINE/DIGITAL BANKING

Citizens First Bank Online/Digital Banking is a consumer and business electronic banking service provided by the Bank. You must have a Citizens First Bank account to access the Citizens First Bank Online/Digital Banking service. You may access Citizens First Bank Online/Digital Banking using a personal computer or mobile device with access to the Bank’s website on the internet. Citizens First Bank Online/Digital Banking allows you to access:

• Account Balance Information (View any of your Citizens First Bank Checking, Savings, Money Market accounts, Certificates of Deposit, IRAs and Loans)
• Transaction Inquiry (View memo posted items, specific transactions for previous day, previous statement, and current statement)
• Transfer Funds (Transfer funds between certain Citizens First Bank accounts. Make a one-time transfer or set up a scheduled transfer). Transfer Funds is accessible by selecting Move Money.
• External Transfers (Incoming and Outgoing Transfer of funds between Citizens First Bank and another financial institution). External Account verification steps are required to satisfy system security procedures. Contact the Bank regarding Incoming and Outgoing Transfer of funds limits. External Transfers is accessible by selecting Move Money
• Loan Payments (Make loan payments to specific Citizens First Bank loans. Make a one-time loan payment or set up a scheduled loan payment). Loan Payments is accessible by selecting Move Money.
• Mobile Deposits are subject to acceptance of the Citizens First Bank Mobile Deposit Capture Service Agreement. Mobile Deposits are accessible by selecting Deposit Checks.
• Bill Payment services are subject to acceptance of the Bill Pay Service Agreement & Disclosure. Bill Pay is accessible by selecting Move Money.
• Person to Person Payment Services (P2P) services are subject to acceptance of P2P Spin Terms of Service. P2P is accessible by selecting Move Money.
• Citizens First Bank provides Alerts. Alerts are accessible after accepting CFB Online/Digital Banking Agreement and by selecting Manage Alerts within Online/Digital Banking.
• Money Manager, provides a financial dashboard to track monthly activity, net worth, savings and spending goals with budget spending and add spending alerts. Money Manager is accessible after accepting CFB Online/Digital Banking Agreement.
• Manage Cards allows real-time card control capability and financial alerts. Manage Card is accessible after accepting CFB Online/Digital Banking Agreement

Collectively these are referred to as the Citizens First Bank Online/Digital Banking services.

There are no fees for accessing your account(s) through Citizens First Bank Online/Digital Banking. Please refer to the Account Disclosure and Fee Schedule that you received when you opened your account with us. If you need an additional disclosure, please contact us. You may check the balances of your Citizens First Bank accounts that are linked through Citizens First Bank Online/Digital Banking. You understand that the balance figure may not reflect recent transactions, any overdraft line of credit available balance, and may include funds that are not subject to immediate withdrawal. You may transfer funds electronically between your Citizens First Bank accounts in Citizens First Bank Online/Digital Banking.

SECURITY PROCEDURE

Citizens First Bank Online/Digital Banking login security protocol utilizes both Multifactor Authentication (MFA) and Out of Band Authentication (OOBA) technology to authenticate a user’s identity. Customers must agree to OOBA Terms and Conditions to prior to accessing Citizens First Bank Online/Digital Banking. MFA is a requirement during first time login security setup which requires you to select Challenge Questions and provide your answers to your questions. OOBA authentication protocols require two different signals from two different networks or channels to authentic credentials. OOBA uses SMS messaging by cell phone for identity verification.  In additional to MFA and OOBA security protocols, customers may elect to utilize the DUO MOBILE App. DUO MOBILE authentication is not a requirement to use Citizens First Bank Online/Digital Banking but is strongly encouraged. If utilizing the DUO MOBILE App, customers will follow instructions provided for authentication.

Your personal password and online/digital credentials are confidential and should not be disclosed to third parties. You are responsible for the safekeeping of your password and online/digital credentials. You agree not to disclose or otherwise make available your password to anyone not authorized to sign on your accounts. If you permit another person to use the service or give them your Customer Number and your password, you are responsible for all activity the person initiates even if that person exceeds his or her authorization.

Your Citizens First Bank Online/Digital Banking password is used only for Citizens First Bank Online/Digital Banking services. You may change your password at any time by selecting Manage Profile. You agree that you have considered the security procedures of the Citizens First Bank Online/Digital Banking service and find that the security procedures are commercially reasonable for verifying that a bill payment transfer, P2P, mobile deposit, transfer funds, loan payment, manage debit cards control or other communication from you is, in fact, yours.

PREAUTHORIZED PAYMENTS

Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments listed in this Agreement. We must receive your request 3 business days or more before the payment is scheduled to be made. In certain situations, a Stop Payment can be initiated using Online/Digital Banking or if you call, we may also require you to put your request in writing and get it to us within 14 days after you call. We will charge you $30.00 plus state and local tax for each stop-payment order you give.

Notice of varying amounts. If these regular payments vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)

LIABILITY FOR UNAUTHORIZED USE

You will notify us immediately if you believe that your password has become known to an unauthorized person or if someone has transferred money or made payments without your permission. You understand that calling us in such cases is the best way of keeping your possible losses to a minimum. If you suggest that an unauthorized transfer or bill payment may have occurred, we may require you to sign an affidavit verifying such occurrence.

You understand that you can lose all the money in your deposit accounts (including any funds accessible for covering insufficient funds) accessed through Online/Digital Banking if you do not inform us that your password has become known to an unauthorized person. If you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50.00 if an unauthorized person used your password to access Online/Digital Banking without your permission.

If you do not tell us within 2 business days after you learn that your password has become known to an unauthorized person, and we can prove that you could have stopped someone from using your password without your permission if you had told us, you can be liable for as much as $500.00.

If your statement shows electronic funds transfers that you did not make, you must notify us immediately. The Bank may require you to provide your complaint in the form of an affidavit. If you do not tell us about unauthorized transfers within 60 days after your account statement is sent to you, you may not get back any money that you lose after the 60-day period if we can prove that, had you told us about the unauthorized transfers on time, we could have stopped someone from taking the money. If a good reason (such as a lengthy vacation or hospitalization) kept you from telling us, we will extend the period.

LIABILITY FOR FAILURE TO MAKE PAYMENTS

If we do not send a bill payment or make a transfer on a timely basis, as set forth in this Agreement, or in the correct amount according to your instructions, we may be liable for damages caused. However, we will not be liable if…

1. If through no fault of ours, your designated funding account does not contain sufficient funds to make the payment or transfer.
2. If you exceed the available funds that would cover overdrafts.
3. If the equipment, ATM network, phone lines, or computer systems were not working properly or were temporarily unavailable and you knew about the breakdown when you started the transfer.
4. If circumstances beyond our control, such as fire or flood, prevented the bill payment or transfer, despite reasonable precautions we have taken.
5. If a court order or legal process prevents us from making a transfer or bill payment.
6. If you have reason to believe that there has been unauthorized use of your password and you fail to notify us as set forth above.
7. If the payee does not process a payment correctly, or in a timely manner.

There may be other exceptions stated in other agreements with you. If any of the circumstances listed in 3. or 4. above occur, the Bank shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or may have been processed incorrectly.

LIMITATIONS

You understand that the federal limitations on transfers applicable to Money Market Accounts and Savings Accounts during each statement cycle will apply to and limit the number of transfers that can be made through Citizens First Bank Online/Digital Banking. You may not make more than 6 transfers per month by means of Citizens First Bank Online /Digital Banking. You should refer to your Deposit Account Agreement or contact us for additional information.

ERRORS OR QUESTIONS

If you think your statement is wrong, or you need more information about a transfer listed on the statement, contact Citizens First Bank at 563.243.0000 or 877.902.1442 or write us at 1442 Lincoln Way, Clinton, IA 52732.

• We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appears.
• When notifying us, tell us your name, username and account number.
• Describe the error on the transfer in question and explain as clearly as you can why you believe it is an error or why you need more information.
• Tell us the date and dollar amount of the suspected error.
• If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.
• We will determine whether an error occurred within 10 business days (20 business days if your account has been opened for 30 days or less) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if your account has been open for 30 days or less) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if your account has been opened for 30 days or less) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.
• If you are a new customer, an account is considered a new account for 30 days after the first deposit is made.
• We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

CONFIDENTIALITY

As it specifically pertains to electronic funds transfers, we may disclose information to third parties about your account and the payments or transfers you make as stated in our separate Privacy Policy. You may view this Privacy Policy on our website, or you may contact us for one. You agree that you have been given the opportunity to read the Privacy Policy.

Documentation and Verification of Payments / Transfers

1. Confirmations

Upon completion of an Online/Digital Banking transaction, a confirmation will be provided. We recommend that you print the transaction results for verification purposes. You should record this in your checkbook register as a permanent record of the transaction. This will help in resolving any problems that may occur.

2. Periodic Statements

Information concerning Online/Digital Banking transactions will be shown on your normal statement for the account to and from which transfers or payments are made. If you have a checking or money market account, you will receive a monthly statement. If you have a savings account, you will receive a statement during months with electronic funds activity or quarterly if there is no such activity. eStatements (Electronic Statements) are available for your loan and checking accounts. eStatements (Electronic Statements) are available by your affirmative consent and acceptance of Electronic Delivery of Bank (Account) Statements Consent and Agreement.

OTHER CONDITIONS

You are responsible for complying with all terms of this Agreement and the regulations governing all of the accounts that you access through Citizens First Bank Online/Digital Banking. We can terminate your Citizens First Bank Online/Digital Banking privileges without notice to you if you do not pay any fee required in this Agreement when due, or if you do not comply with this Agreement. The regulations governing all of your accounts are set forth in your account information disclosures and Agreements, copies of which are available from the main bank or the branch. You may terminate this Agreement by written notice to Citizens First Bank at 1442 Lincoln Way, Clinton, IA 52732. We may terminate this Agreement and your use of Citizens First Bank Online/Digital Banking without notice if you do not log in for a period of more than 180 days. This will include the discontinuation of online/digital statements. Please refer to your specific account disclosures as this may affect your qualifications. If this occurs, you will have to repeat the registration process for Citizens First Bank Online/Digital Banking. We reserve the right to temporarily or permanently discontinue Citizens First Bank Online/Digital Banking services at any time by mailing to you, at the address shown in our records, a notice stating the date termination will occur and that no transfers or orders payable to third parties via Citizens First Bank Online/Digital Banking services will be honored if received the day of termination and thereafter. We will inform you of such termination in accordance with applicable law or regulation.

CHANGE IN TERMS

The Bank may change any term or condition of this Agreement, and will mail or delivery a written notice to you at least 21 days before the effective date of any change in a terms if the change would result in increases fees or charges, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amounts of transfers, unless prior notice is excused by law.

CONTACT INFORMATION

Lincoln Way Office

1442 Lincoln Way, Clinton, Iowa 52732 563.243.6000 or Toll Free: 877.902.1442

Midtown Office

1329 N 2^nd St, Clinton, Iowa 52732

563.243.6000 or Toll Free: 877.902.1442

Camanche Office

403 S Washington Blvd, Camanche, Iowa 52730 563.243.6000 or Toll Free: 877.902.1442

Website: www.GoCFB.bank

You may contact us through e-mail. Please note that e-mail, in general, is not a secure means of communication. If the information you need to convey to Citizens First Bank is of a sensitive nature (account numbers, Social Security Number, passwords or PINs), please contact us by phone, U.S. mail or come visit us in person.

Updated: April 27, 2020