At Citizens State Bank, our mission is to meet the needs and desires of our customers. As financial service professionals entrusted with sensitive financial information, we respect the privacy of our customers and are committed to treating customer information responsibly. Our Privacy Policy serves as the standard for all Citizens State Bank employees for collection, use, retention and security of nonpublic personal information.

What Information We Collect

CSB collects "nonpublic personal information" about you from the following sources:

• Information we receive from you on applications or other forms.
• Information about your transactions with us.
• Information we receive from a consumer reporting agency.

"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, and overdraft history.

What Information We Disclose

We are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, and to credit bureaus. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

Maintenance of Accurate Information

CSB has established procedures to ensure that your financial information is accurate, current and complete, in keeping with reasonable commercial standards. Please notify us if you believe our records contain inaccurate or incomplete information. We will investigate your concerns and correct any inaccuracy in a timely manner.

Our Security Procedures

We also take steps to safeguard customer information. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

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