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Privacy Notice

Rev. 8/16/2011

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 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:
  • Social Security number and income
  • account balances and payment history
  • credit history and credit scores

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 transaction, 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 Yes No
For joint marketing with other financial companies No We don't share
For our affiliates' everyday business purposes- information about your transactions and experiences Yes No
For our affiliates' everyday business purposes- information about your creditworthiness No We don't share
For affiliates to market to you No We don't share
For nonaffiliates to market to you No We don't share

Questions? Call 712-324-2519 or go to www.csbsheldon.com



Who we are
Who is providing this notice? Citizens State Bank of Sheldon & Boyden
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
  • Open an account or deposit money
  • Apply for a loan or apply for financing
  • Make a wire transfer

We also collect your personal information from others, such as credit bureaus.

Why can't I limit all sharing? Federal law gives you the right to limit only
  • sharing of 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 non-financial companies.

  • Citizens State Bank does not have any affiliates.
Nonaffiliates

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


Citizens State Bank
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