Citizens State Bank logo.

NOTICE OF YOUR
FINANCIAL PRIVACY RIGHTS

        

  Rev. 6/2010

FACTS

 WHAT DOES CITIZENS STATE 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:

l  Social Security number                                     l  Credit scores

l  Payment history                                                l  Overdraft history

l  Credit history                                                    l  Checking account information

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 don't share

For joint marketing with other financial companies

No

We don't share

For our affiliates' everyday business purposes -

information about your transactions and experiences

No

We don't share

For our affiliates' everyday business purposes -

information about your creditworthiness

No

We don't share

For nonaffiliates to market to you

No

We don't share

 

Questions?

Call 785-627-3165 or go to www.csbmorland.com

 

 

 

Page 2

 

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

l  Open an account                                 l  Give us your contact information

l  Apply for a loan                                  l  Make a wire transfer

l  Give us your income information

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

l  sharing for affiliates' everyday business purposes - information about your creditworthiness

l  affiliates from using your information to market to you

l  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 non-financial companies.

l  Citizens State Bank does not share with our affiliates.

Nonaffiliates

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

l  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.

l  Citizens State Bank doesn't jointly market.

 

___________
 
Member
FDIC
 
Hill City
521 West Main
Hill City, KS 67642
(785) 421-4127
FAX: (785) 421-4129
info@csbhillcity.com
Morland
511 West Main
P.O. Box 158
Morland, KS 67650
(785) 627-3165
FAX: (785) 627-3301
info@csbmorland.com
WaKeeney
100 North Main
WaKeeney, KS 67672
(785) 743-6603
FAX: (785) 743-2549
info@csbwakeeney.com
SGH, January 17, 2013