Privacy Statement

FACTS	WHAT DOES CITIZENS REPUBLIC BANCORP, INC. DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and assets Account balance and overdraft history Payment history and transaction history When you are no longer our client, we continue to share your information as described in this notice.
How?	All financial companies need to share clients’ personal information to run their everyday business. In the section below, we list the reasons financial companies can their clients’ personal information; the reasons Citizens Republic Bancorp, Inc. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information		Does Citizens Republic Bancorp, Inc. share?	Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus		Yes	No
For our marketing purposes – to offer our products and services to you		Yes	No
For joint marketing with other financial companies		Yes	No
For our affiliates’ everyday business purposes – information about your transactions and experiences		Yes	No
For our affiliates’ everyday business purposes – information about your creditworthiness		No	We don’t share
For our affiliates’ to market to you		Yes	No
For non affiliates’ to market to you		No	We don’t share
Questions?	Call (800) 806-1692 or go to www.citizensbanking.com

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Who we are
Who is providing this notice?		Citizens Republic Bancorp, Inc. and its affiliates Citizens Bank and Citizens Bank Wealth Management, N.A.
What we do
How does Citizens protect my personal information?		To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. In addition, we restrict access to information to those staff members who have a business need to know such information.
How does Citizens collect my personal information?		We collect your personal information, for example, when you Open an account or make a deposit or withdrawal Apply for a loan or make a payment Use your debit card or our ATMs
Why can’t I limit all sharing?		Federal law gives you the right to limit only Sharing for affiliates’ everyday business purposes – information about your creditworthiness Affiliates from using your information to market you Sharing for non affiliates to market you State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates		Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include Citizens Bank and Citizens Bank Wealth Management, N.A. We do not share income or credit history with our affiliates.
Non Affiliates		Companies not related by common ownership or control. They can be financial and nonfinancial companies. We share with non affiliates who provide support services, such as our statement printing service provider.
Joint marketing		A formal agreement between nonaffiliated financial companies that together market financial products or services to you. We share with our joint marketing partners, such as credit card companies, to offer you additional services that might be of value.
Other important information
Call (800) 806-1692 or go to www.citizensbanking.com Print a copy