Citizens State Bank

F A C T S	WHAT DOES CITIZENS STATE 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: s Social Security number and income s Account balances and payment history s Credit history and credit scores When you close your account, we continue to share information about you according to our policies.
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 reason Citizens State Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Citizens State 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

For our marketing purposes -

to offer our products and services to you

Yes

For joint marketing with other financial companies

We don’t share.

For our affiliates’ everyday business purposes -

information about your transaction and experiences

We don’t share.

For our affiliates’ everyday business purposes - information about your creditworthiness

We don’t share.

For our affiliates to market to you

We don’t share.

For nonaffiliates to market to you

We don’t share.

Questions?

Call 712-335-3322 or go to www.csbpoky.com or 515-955-2265 or www.csbfd.com

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

What we do
How does Citizens State 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.
How does Citizens State Bank collect my personal information?	We collect your personal information, for example, when you s open an account or deposit money s pay your bills or apply for a loan s 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 s sharing for affiliates’ everyday business purposes – information about your creditworthiness s affiliates from using your information to market to you s 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.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. s Citizens State Bank does not share with nonaffiliates so they can market to you. s Pay your bills or apply for a loan
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. s Citizens State Bank doesn’t joint market.

Access to Our Web Site

Our web site does not require you to disclose any personally identifying information. If, however, you choose to contact us via e-mail, please keep in mind that your e-mail address and any other information your e-mail shows about you, such as your name or organization, will be revealed to us in the e-mail. We pledge, however, that when you communicate with us via e-mail, we will use your e-mail information only for the specific purpose of responding to your comments or questions. Your e-mail address will not be sold, nor will it be shared with others outside the bank unless we are compelled to do so by law. Some areas of our website may use a “cookie” temporarily stored in the visitor’s computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before.

Links

Occasionally, we will link to other Internet sites as a convenience to you, our customer. Citizens State Bank will only link sites that uphold our corporate standards. Our website is directed to a general audience. We do not knowingly solicit or collect information from children on our website. However, we are not responsible for the content of those sites, nor their policies for the collection of customer information.

Customer Recourse

If you believe that we have incorrect information regarding yourself or any one of your accounts, please contact us immediately by calling us at 1-800-894-3322 or 712-335-3322.

Our Website and Children’s Privacy

Our website is directed to a general audience. We do not knowingly solicit or collect information from children on our site. Visitors may elect to provide us with personal information via E-mail or online registration forms. This information is used internally, as appropriate, to handle the sender's request. It is not disseminated or sold to other organizations. Some areas of our Website may use a “cookie” temporarily stored in the visitor’s computer memory (RAM) to allow the web server to log the pages you use within the site and to know if you have visited the site before. Visitors to this bank Website remain anonymous. We do not collect identifying information about visitors to our site. We may use standard software to collect non-identifying information about our visitors, such as:

Date and time our site was accessed
IP address (A numeric address given to servers connected to the Internet)
Web browser used
City, state, and country
The Bank uses this information to create summary statistics and to determine the level of interest in information available on our site.

Questions and/or Concerns?

In order for the Bank to provide you with the maximum benefits and services, we request that you keep your information as up-to-date as possible. If you ever have questions or concerns regarding the accuracy of your personal information at the Bank, please contact at (515)955-2265 or (877)-869-6199. We will investigate your concerns and make any changes as needed.