We, our and us means Community 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:

All of our consumer customers who have a continuing relationship with us including but not limited to:

• Deposit accounts
• Loan accounts
• Safe deposit boxes
• Investment accounts
• Insurance products
• All IRA accounts for which we act as custodian

We will tell you the sources for nonpublic personal information we collect on our customers. 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.

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 company that is not an affiliate of ours.

We Collect the Following Information

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

• Information we receive from you on applications or other forms, such as your name, address, social security number, assets and income.
• Information about your transactions with us, such as your account balance, payment history and overdraft activity.
• Information about your transactions with nonaffiliated third parties, such as parties to transactions, and credit or debit card usage.
• Information from a consumer reporting agency, such as your credit worthiness and credit history.

Information we disclose about you

We may disclose all of the information we collect as described above to other financial institutions with whom we have joint marketing agreements.

We do NOT otherwise disclose any nonpublic personal information about you to anyone, except as permitted by law.

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

Former Customer Information

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