Notice Of Your Financial Privacy Rights at Citizens State Bank

	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: ^lSocial Security number ^lCredit scores ^lPayment history ^lOverdraft history ^lCredit history ^lChecking 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

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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 ^lOpen an account ^lGive us your contact information ^lApply for a loan ^lMake a wire transfer ^lGive 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 ^lsharing for affiliates' everyday business purposes - information about your creditworthiness ^laffiliates from using your information to market to you ^lsharing 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. ^lCitizens 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. ^lCitizens 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. ^lCitizens State Bank doesn't jointly market.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

NOTICE OF YOUR
FINANCIAL PRIVACY RIGHTS