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BECAUSE YOUR TRUST IS SO
IMPORTANT
Your
trust is the cornerstone of our relationship. That is why we work so
diligently to safeguard your privacy. The information that you provide us
is kept in the strictest of confidence. We have no intentions of selling
personal information about our customers to third-party businesses. We
are proud to make that commitment to you, because your trust is the
foundation of our business.
The
following privacy policy explains how we use and protect the information
about our customers. We ask that you read it carefully.
NOTICE OF YOUR FINANCIAL
PRIVACY RIGHTS
We, our, and us, when
used in this notice, mean Citizens State Bank.
This
is our privacy notice for our customers. When we use the words
"you" and "your" we mean the following types of
customers:
- Our consumer
customers who have a continuing relationship by purchasing or
holding financial products or services such as a(n):
- Deposit account
- Loan account
- Safe deposit box
- Self-directed
Individual Retirement Account
We
will tell you the sources of the information we collect about you. We will
tell you what measures we take to secure that information.
We
first define some terms.
Nonpublic
personal information means information about you
that we collect in connection with providing a financial product or
service to you. Nonpublic personal information does not include
information that is available from public sources, such as telephone
directories or government records. Hereafter, we will use the term "information"
to mean nonpublic personal information as defined in this section.
An affiliate
is a company we own or control, a company that owns or controls us, or a
company that is owned or controlled by the same company that owns or
controls us. Ownership does not mean complete ownership, but means owning
enough to have control.
A nonaffiliated
third party is a person we do not employ or a company that is not
an affiliate of ours. This is also known as nonaffiliated third party, or
simply, an "other party."
THE INFORMATION WE COLLECT
We
collect information about you from the following sources:
- Information you
give us on applications or other forms
- Information about
your transactions with us
- Information about
your transactions with other parties
- Information from
a consumer reporting agency
- Information
we receive through our Customer Identification Program
INFORMATION WE DISCLOSE ABOUT
YOU
We
do NOT disclose any information about you to anyone, except as permitted
by law. Examples of this might include disclosures necessary to
service your account or prevent unauthorized transactions.
THE CONFIDENTIALITY, SECURITY,
AND
INTEGRITY OF YOUR INFORMATION
We
restrict access to information about you to those employees who need to
know that information to provide products or services to you. We maintain
physical, electronic, and procedural safeguards to protect this
information.
INFORMATION ABOUT FORMER
CUSTOMERS
We
do not disclose information about former customers, except as permitted
by law.
149838-030
© 2000 Bankers Systems, Inc., St. Cloud, MN
Form PRIV-DISC 9/4/2001 2.0/4518
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