Citizens State Bank

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FACTS

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 youhow 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 credit history
Account balances and checking account information
Payment history and transaction history

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 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	NO
For our marketing purposes–to offer our products and services to you	NO	We do not share.
For joint marketing with other financialcompanies	NO	We do not share.
For our affiliates' everyday business purposes– information about your transactions and experiences	NO	We do not share.
For our affiliates to market to you	NO	We do not share.
For nonaffiliates to market to you	NO	We do not share.

Questions?
Call (580) 724-3511

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 apply for a loan or open an account show your driver's license or show your government-issued ID provide account information
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 others, such as Citizens State Bancorp.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Citizens State 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. Citizens State Bank doesn't jointly market.