Privacy Policy

July 2018

An introduction to this privacy policy
Facts	What does First Citizens Bank 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 income account balances and payment history credit history and credit scores When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons First Citizens Bank chooses to share; and whether you can limit this sharing.

Reasons why we share certain data, what data we share, and if you can limit our sharing
Reasons we can share your personal information	Does First Citizens Bank 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	Yes	We don’t share
For affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	Yes	We don’t share

What to do if you have questions
Questions?	Call 800-423-1602 or go to www.myfcb.bank

Who is providing this notice
Who we are
Who is providing this notice?	First Citizens Bank

What we do with your personal information, how we collect it, and why you can’t limit all sharing
What we do
How does First Citizens Bank 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. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does First Citizens Bank collect my personal information?	We collect your personal information, for example, when you: open an account or pay your bills apply for a loan or use your credit or debit card make deposits or withdrawals from your account We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
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 to you sharing for nonaffiliates to market to you. State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?

Definitions of terms in this privacy policy
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include others, such as First Citizens Financial Corp. or related entities. First Citizens Bank does not share with our affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. First Citizens Bank does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include credit card companies.

Other important information
Other important information