Security

Online Security Statement

Security is a priority at Citizens Bank.  We are committed to protecting the security and confidentiality of your information.  We use a combination of state-of-the-art technology and methods to help ensure that your online sessions are secure.

When you sign in to ExpressNet Online Banking from the Citizens Bank home page, your ID and Password are sent over the Internet from your computer to ours using Secure Socket Layer (SSL) technology.  SSL  encrypts your personal information before it leaves your computer, ensuring that no one else can read it.

Once you have signed in, you can check that your Online Banking session is secure in two ways:

• Look for the small padlock icon usually located in the lower right corner of your Web browser window.  A closed, or locked, padlock indicates a secure connection.
• Look for the letters "https://" at the begining of the Web site address or URL in your Web browser.  The "s" means secure.

You are assured complete protection and privacy.  With the Citizens Bank secure connection, you can:

• Check your account balances
• Transfer funds
• Order checks
• View images of your paid checks
• and pay bills electronically

Customer information never travels the Internet without encryption protection.  In addition, we have taken other protective measures to ensure your privacy with firewall protection, log-in sessions with a time-out limit, and failed Password attempts lock-out.  One of the most important security measures you can take is to keep your Password in a secure place where only you have access to it.

Your Responsibility

As explained in the terms and conditions of the Citizens Bank Online banking service, you are responsible for keeping your online password, account numbers, personal ID information, and other account data confidential.

Citizens Bank cannot be held responsible for customer errors or negligent use of the service and will not cover losses due to:

• Negligent handling or sharing of passwords leading to unauthorized access to accounts
• Leaving a computer unattended during an Online session (always click Sign Off to end your session)
• Failure to report known incidents of unauthorized account access within two business days

How to Contact Us:

To contact us about lost or stolen information, or suspected fraudulent activity you can contact us at:

Phone - 1-270-465-8193

E-mail - Send an e-mail to "customerinfo" at the bottom on any screen after signing in with your password.

Write - Citizens Bank & Trust, Online Banking, PO Box 250, Campbellsville, KY, 42719