Privacy Policy

Protecting your privacy is important to Community State Bank and our employees. We want you to understand what information we collect and how we use it. We value the trust and confidence you have placed in us as your financial services provider. As a customer of Community State Bank and/or its subsidiary, Community Insurance and Financial Services, Inc., you can count on responsible and confidential treatment of any personal information you share with us. To ensure that we live up to your trust, we have adopted this privacy policy.

Sources of Information We Collect

So that we can make more informed decisions about extending services to you, we may 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 received from a consumer reporting agency

"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes information regarding your account balance, payment history, overdraft history, claims history and driving record.

Information We Share With Others

We are permitted by law to disclose the information we collect as described above to "nonaffiliated third parties" (i.e. third parties that are not members of our corporate family) in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas, to credit bureaus, and to investment companies and insurance companies to process an application for you. We are also permitted by law to share information about our experiences or transactions with you or your account with our "affiliates" (i.e. companies related to us by common control or ownership). For example, we may disclose such information as your account balance and your payment history with us.

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

Our Security Procedures

We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. We educate our employees on the importance of confidentiality and customer privacy and take appropriate disciplinary measures to enforce employee privacy responsibilities. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

West Branch	Tipton	Clarence	Stanwood
(319) 643-3155	(563) 886-6155	(563) 452-3155	(563) 942-3344

Member FDIC