ANNUAL PRIVACY POLICY FOR
CITIZENS SECURITY BANK & TRUST CO.

We, our, and us, when used in this notice, mean Citizens Security Bank & Trust Company. This is our privacy notice for our customers. When we use the words “you” and “your” we mean the following types of customers:

• 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. Non-public 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 from a consumer reporting agency
• Information we receive from you over the Internet
• Information about your transactions with us, our affiliates, or others

INFORMATION WE DISCLOSE ABOUT YOU

Since we value our customer relationship with you, we will not disclose your non-public personal information to nonaffiliated third parties, except as permitted by law. We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with which we have a joint marketing agreement:

• Information we receive from you on an application or other forms, such as your name, address, social security number, date of birth, phone numbers, and E-Mail addresses
• Information about your transactions with us, our affiliates, or others such as your account balance, payment history, parties to transactions, rates, account activity, longevity of relationships
• Information we receive from a consumer-reporting agency, such as your creditworthiness and credit history.

CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION We restrict access to nonpublic personal 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 that comply with federal standards to guard your nonpublic personal information. We may report information about your account to the credit bureau. Late payments, missed payments or other defaults on your account may be reflected in your credit report.

If you decide to close your account(s), or become an inactive customer we will adhere to the privacy policies and practices as described in this notice.

If you have any questions regarding this policy, please feel free to contact us at 918-366-4000.

Privacy Statement Security Statement