CITIZENS STATE BANK-MIDWEST PRIVACY NOTICE
Our Privacy Commitment To You

We recognize, respect and protect the personal privacy rights of all our customers. We realize that our customers entrust us with personal information and it is our policy to maintain our customers' information in a confidential manner. We're committed to providing the highest level of security and privacy regarding the collection and use of our customers' personal information, as well as personal information of all consumers who visit our institution and website.

Confidentiality and Security of Nonpublic Personal Information

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

Nonpublic Personal Information We Collect

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us, our affiliates, or others
• Information we receive from a consumer reporting agency

Nonpublic Personal Information We Disclose

We do not disclose nor do we reserve the right to disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

Nonpublic Personal Information and Affiliates

We may disclose nonpublic personal information about you with our affiliates, which include the following:

• Citizens Insurance Agency
• Walhalla Insurance Agency

Federal law allows us to disclose the information listed below to our affiliates. Here are some of the kinds of nonpublic personal information we may disclose to our affiliates: 

Information from our account records about your transactions and experience with us.

DISCLOSURES

1. Web Content and Materials
The information and materials contained in this Website - and the terms and conditions of the access to and use of such information and materials - are subject to change without notice. Your eligibility for particular products and services is subject to determination and acceptance by Citizens State Bank. We may discontinue or make changes in the information, products or services described herein at any time. Any dated information is published as of its date only, and Citizens State Bank does not undertake any obligation or responsibility to update or amend any such information. Citizens State Bank reserves the right to terminate any or all web offerings without prior notice to the user. Furthermore, by offering information, products or services via this website, no solicitation is made by Citizens State Bank to any person to use such information, products or services in jurisdictions where the provision of such information, products or services is prohibited by law.

2. Links to Other Sites
Links to non-Citizens State Bank websites are provided solely as pointers to information on topics that may be useful to users of the Citizens State Bank website, and Citizens State Bank has no control over the content on such non-Citizens State Bank websites. If you choose to link to a website not controlled by Citizens State Bank, Citizens State Bank makes no warranties, either express or implied, concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does Citizens State Bank warrant that such site or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. Citizens State Bank does not guarantee the authenticity of documents on the Internet. Links to non-Citizens State Bank sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites.

3. Limitation of Liability
Because of the possibility of human and mechanical error as well as other factors, Citizens State Bank is not responsible for any errors in or omissions from the information contained in or accessed through this website. All such information is provided "as is" to the user without express or implied warranties of any kind including the warranties of merchantability, non-infringement of intellectual property or fitness for any particular purpose. Furthermore, Citizens State Bank will not be liable for any delay, difficulty in use, inaccuracy of information, computer viruses, malicious code or other defect in this website, or for the user's browser or other site accessing program. Nor will Citizens State Bank be liable for any other problems experienced by the user due to causes beyond Citizens State Bank's control. No license to the user is implied in these disclaimers. 

• Our bank respects your privacy. Through our Website, we strive to provide valuable information to you about how we may serve you, and whether you are a valued existing customer or someone looking for new bank services, we hope our site answers your questions about our products and services, locations, and hours.
• Our Web site does not require you to disclose any personally identifying information. If, however, you choose to contact us via e-mail, please keep in mind that your e-mail address, and any other information your e-mail headers shows about you, such as your name or organization, will be revealed to us in the e-mail. We pledge, however, that when you communicate with us via e-mail, we will use your e-mail information only for the specific purpose of responding to your comments or questions. Your e-mail address will not be sold, nor will it be shared with others outside the bank unless we are compelled to do so by law.
• Cookies are used to estimate our audience size. Each browser accessing our site is given a unique cookie which is then used to determine whether a user is a first-time visitor or a return visitor. This helps us deliver better service by helping us understand whether the majority of those accessing the site are new or repeat visitors.