Privacy Statement

FACTS 

WHAT DOES FIRSTMERIT 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 

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 FirstMerit chooses to share; and whether you can limit this sharing. 

Reasons we can share your personal information 

Does FirstMerit 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 

Yes 

For joint marketing with other financial companies 

Yes 

Yes

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 

Yes 

For affiliates’ to market to you 

Yes

Yes

For nonaffiliates’ to market to you 

Yes

Yes

To limit our sharing

Call 866-831-3105

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions? 

Call 800 676-6276 or go to www.citizensbanking.com  

Who we are 

Who is providing this notice? 

FirstMerit and our affiliated companies

What we do 

How does FirstMerit 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.

How does FirstMerit collect my personal information? 

We collect your personal information, for example, when you 

• open an account or deposit money 
• pay your bills or apply for a loan 
• use your credit or debit card 

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. 

Definitions 

Affiliates 

Companies related by common ownership or control. They can be financial and nonfinancial companies. 

• Our affiliates include financial companies with the FirstMerit name, such as FirstMerit Bank, N. A., FirstMerit Insurance Agency, Inc., FirstMerit Equipment Finance, Inc., FirstMerit Mortgage Corporation, FirstMerit Insurance Group, Inc., FirstMerit Title Agency, Ltd, FirstMerit Advisors, Inc., FirstMerit Financial Services, Inc., FirstMerit Community Development Corporation and FirstMerit Securities, Inc. and other financial companies, such as Mobile Consultants, Inc. and Midwest Financial and Investment Services, Inc. 

Nonaffiliates 

Companies not related by common ownership or control.  They can be financial and nonfinancial companies. 

• Nonaffiliates we share with can include companies such as mortgage companies, insurance companies, direct marketing companies, survey companies, and nonprofit organizations. 

Joint marketing 

A formal agreement between nonaffiliated financial companies that together market financial products or services to you. 

• Our joint marketing partners include companies such as credit card companies and insurance companies. 

Other important information 

We also comply with applicable state law limitations on how we may share your personal information.

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Rev. 2/13