Citizens State Bank's Notice of Your Financial Privacy Rights 

 You should know . . . . We recognize our obligation to keep information about you secure and confidential.  Citizens State Bank takes extreme precautions to ensure your privacy.  When you provide us with your personal information, you can be certain that we will handle it in an appropriate manner.  We have established internal controls and procedures ensuring that your information is accurate, complete and up-to-date.  We are committed to responding to any requests by you to correct any inaccurate information.  The following notice will explain and give you additional information.

This policy covers consumer information that is personally identifiable information about a consumer’s current or former relationship with Citizens State Bank.  This privacy notice is provided to you as required by law.

When used in this notice, “we”, “our” and “us” mean Citizens State Bank.

 This is our privacy notice for our customers.  When the words “you” and “your” are used, we mean the following types of customers: 

• All of our customers who have a continuing relationship with us, such as: 

• Loan account
• Deposit account
• Safe Deposit Box
• Credit Card

 We will inform you of the sources of nonpublic personal information that we collect on our customers.  We will inform you of the measures we take to secure that information.  First, let us define some terms:

Nonpublic personal information means information about you that we collect in connection with providing a financial service or product to you.  Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. 

An affiliate is a company that 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.  It means owning enough to have control.

A nonaffiliated third party is a company that is not an affiliate of ours. 

Information That We Collect

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

• Information you provide to us on applications or other forms
• Information about your transactions with us
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

 The 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 services and products to you.  We maintain physical, electronic and procedural safeguards to comply with federal standards to guard your nonpublic personal information. 

Nonpublic Personal Information and Affiliates 

We may disclose nonpublic personal information about you to our affiliates.  Here are the kinds of nonpublic personal information we may disclose: 

• Information about your transactions and experience with us, such as 

• Name
• Address
• Account Balances
• Account Activity
• Types of Accounts
• Payment History
• Credit Card usage
• Parties to the transaction

 

Federal law allows us to disclose this information with our affiliates.  You do not have a right to opt out of the disclosure of this information. 

Types of Affiliates 

We may disclose nonpublic personal information about you to the following types of affiliates: 

• Financial Services Providers such as Insurance Agents
• Other banks owned by the holding company that owns us. 

Nonpublic Personal Information and Nonaffiliated Third Parties 

We will not disclose nonpublic personal information about you to anyone except as permitted by law or as disclosed in this policy. 

Nonpublic Personal Information and Former Customers 

We do not disclose nonpublic personal information about former customers, except as permitted by law.

 

Citizens State Bank does not collect identification information from individuals visiting this web site or users of our Internet Banking System.  However, we do collect information relating to usage of this site to determine the frequency and duration of the access to it.  In addition to the collection of this usage data, the Internet Banking System tracts the numbers of transactions entered by our customers.  All of this information is used to create statistical reports for our site to help the bank determine better ways for us to serve out customer’s needs.  Any information that is submitted to the bank via e-mail or through submission of applications is used internally to process requests for services and/or to respond to customer’s e-mail.  This information is not distributed or sold to other organizations.

Citizens State Bank uses 128-bit SSL encryption.  Your information is encrypted and scrambled as it is sent across the Internet.  Ongoing security reviews and technology upgrades are constantly being evaluated and implemented as improvements are developed.

The Citizens State Bank also engages in the business of selling checks as an agent for American Express, which company is licensed under the laws of the State of Texas and is subject to regulatory oversight by the Texas Department of Banking.  Any consumer wishing to file a compliant against Citizens State Bank or American Express concerning sale of checks activities should contact the Texas Banking Department. 

• In Person or U. S. Mail:  2601 North Lamar Boulevard, Suite 300, Austin, TX 78705-4294
• Telephone No.:          877/276-5554
• Fax No.:          512/475-1313
• E-mail:  consumer.complaints@banking.state.tx.us
• Website:  www.banking.state.tx.us

---

AVISO DE QUEJA DEL CONSUMIDOR
(CONSUMER COMPLAINT NOTICE )

CITIZENS STATE BANK cae bajo las leyes del estado de Texas y por esta ley está conforme a la supervisión legal del Departamento Bancario de Texas. Cualquier consumidor que desee reportar una queja contra CITIZENS STATE BANK debe comunicarse con el Departamento Bancario de Texas por medio de de lo siguiente:
Quejas referentes a la venta de cheques (money orders) deben ser dirigidas a:

En Persona o Por Correo:
2601 North Lamar Boulevard, Suite 300
Austin, Texas 78705-4294

Por Teléfono: 877-276-5554 (línea gratuita)

Por Fax: 512-475-1313

Correo Electrónico (E-mail): consumer.complaints@banking.state.tx.us

Internet: www.banking.state.tx.us.