Privacy Statement Citizens State Bank

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FACTS	WHAT DOES CITIZENS STATE BANK DO WITH YOUR PERSONAL INFORMATION?
FACTS Why?	WHAT DOES CITIZENS STATE BANK DO WITH YOUR PERSONAL INFORMATION? 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.
FACTS What?	WHAT DOES CITIZENS STATE BANK DO WITH YOUR PERSONAL INFORMATION? 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 account balances checking account information and credit history payment history and overdraft history When you are no longer our customer, we continue to share your information as described in this notice.
FACTS How?	WHAT DOES CITIZENS STATE BANK DO WITH YOUR PERSONAL INFORMATION? 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.

FACTS

WHAT DOES CITIZENS STATE BANK DO WITH YOUR PERSONAL INFORMATION?

FACTS

Why?

WHAT DOES CITIZENS STATE BANK DO WITH YOUR PERSONAL INFORMATION?

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.

FACTS

What?

WHAT DOES CITIZENS STATE BANK DO WITH YOUR PERSONAL INFORMATION?

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 account balances
checking account information and credit history
payment history and overdraft history

When you are no longer our customer, we continue to share your information as described in this notice.

FACTS

How?

WHAT DOES CITIZENS STATE BANK DO WITH YOUR PERSONAL INFORMATION?

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?
Reasons we can share your personal information 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	Does CITIZENS STATE BANK share? Yes	Can you limit this sharing? No
Reasons we can share your personal information For our marketing purposes– to offer our products and services to you	Does CITIZENS STATE BANK share? No	Can you limit this sharing? We don't share
Reasons we can share your personal information For joint marketing with other financial companies	Does CITIZENS STATE BANK share? No	Can you limit this sharing? We don't share
Reasons we can share your personal information For our affiliates' everyday business purposes– information about your transactions and experiences	Does CITIZENS STATE BANK share? No	Can you limit this sharing? We don't share
Reasons we can share your personal information For our affiliates' everyday business purposes– information about your creditworthiness	Does CITIZENS STATE BANK share? No	Can you limit this sharing? We don't share
Reasons we can share your personal information For our affiliates to market to you	Does CITIZENS STATE BANK share? No	Can you limit this sharing? We don't share
Reasons we can share your personal information For nonaffiliates to market to you	Does CITIZENS STATE BANK share? No	Can you limit this sharing? We don't share

Questions?

Call 325-468-3311 or go to www.citizensstatebk.com

Who we are
Who we are Who is providing this notice?	CITIZENS STATE BANK

What we do
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.
What we do 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 make deposits or withdrawals from your account or provide employment information give us your contact information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
What we do 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. See below for more on your rights under state law.

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.

What we do

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
make deposits or withdrawals from your account or provide employment information
give us your contact information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

What we do

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. See below for more on your rights under state law.

Definitions
Definitions Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. CITIZENS STATE BANK has no affiliates.
Definitions 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.
Definitions 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.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

CITIZENS STATE BANK has no affiliates.

Definitions

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.

Definitions

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.

Other important information
Other important information For Texas Customers: Citizens State Bank is chartered, licensed or registered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Citizens State Bank should contact the Texas Department of Banking through one of the means indicated below: In person, or by U.S. Mail: 2601 North Lamar Boulevard, Austin, Texas 78705; Telephone No. (877)276-5554; Fax No. (512)475-1313; E-mail: consumer.complaints@dob.texas.gov, Website: www.banking.state/tx.us.

Other important information

For Texas Customers: Citizens State Bank is chartered, licensed or registered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Citizens State Bank should contact the Texas Department of Banking through one of the means indicated below: In person, or by U.S. Mail: 2601 North Lamar Boulevard, Austin, Texas 78705; Telephone No. (877)276-5554; Fax No. (512)475-1313; E-mail: consumer.complaints@dob.texas.gov, Website: www.banking.state/tx.us.