The Information That 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 such as
• Information about your transactions with our affiliates
• Information about your transactions with nonaffiliated third parties, and
• Information we receive from a consumer reporting agency

The Information That We Disclose

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

          Federal law allows us to disclose, and we may disclose, all of the information we collect about your transactions and experiences with us, such as, name address, types of accounts, account balances, account activity, payment history, deposit history and parties to the transaction to our Affiliates such as, mortgage bankers, insurance agents or securities brokers.  We may disclose all of the information that we collect, as described above, to nonaffiliated third party companies that perform services for us, or functions on our behalf, including those companies that perform marketing services on our behalf with regard to our products or services.  You may not “Opt Out” of the disclosure of this information. 

Our decision to disclose nonpublic personal information to our Affiliates is to provide our customers with information about additional products and services.   It also helps us evaluate our total relationship with you and our family of companies and give you the best service and price that relationship deserves.

Additional Disclosures To Our Affiliates

          We may also disclose other nonpublic personal information about our customers or former customers within our Corporate Family (our Affiliates as listed above), unless you tell us not to do so.  This other Nonpublic information includes information beyond our transactions and experiences with you such as:

• Information we have received from you on applications or other forms such as your social security number, assets, income, number of dependents, date of birth, marital status or employmen
• Information we receive about your transactions with affiliates or nonaffiliated third parties such as your account balances, account activity, types of accounts, payment history, deposit history and parties to the transaction
• Information we receive from a consumer reporting agency such as your creditworthiness, credit history or employment

YOU HAVE THE RIGHT TO CHOOSE

          If you prefer that Citizens State Bank does not disclose the other nonpublic personal information specifically referred to above to our Affiliates, you may “Opt-Out” of those disclosures. That is, you may direct us not to make those disclosures (other than disclosures permitted by law).   If you wish to Opt-Out of the disclosure of this other information to our Affiliates, you may do so by completing the attached Opt-Out Notification and delivering it to any of our locations or by mailing it to:

If you have a joint account, each participant of the account has a separate right to Opt-Out.  If one of you chooses to Opt-Out of the disclosure of nonpublic personal information and another does not, only information regarding the party who does not Opt-Out will be disclosed.  Any participant of a joint account may Opt-Out on behalf of another participant of the account.

Citizens State Bank has a reasonable time after receipt of notification to implement an Opt-Out request.

The Security and Integrity of Your Financial 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.

The Privacy of Former Customers

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

Opt-Out Notification

I have received and read the disclosure entitled Important Information About Your Financial Privacy.   This disclosure has explained the kinds of nonpublic personal information that Citizens State Bank collects and may disclose to its Affiliates and nonaffiliated third parties.  I am directing Citizens State Bank not to disclose my other nonpublic personal information, (as described in the disclosure) to its Affiliates, except as permitted or required by law.  I understand my decision to block the disclosure of my other nonpublic personal information will apply to all products and services I have received from Citizens State Bank.   I further understand that if I have a joint account, each participant of that account has a separate right to Opt-Out. 

Please print:

__________________________________
Name(s)

__________________________________
Physical Address

__________________________________
City              State                 Zip

__________________________________
Mail Address (if different from above)

__________________________________
City             State                 Zip

__________________________________
Social Security Number(s)

__________________________________
Account Number(s)

__________________________________
Account Numbers(s)

__________________________________
Signature(s)                     

__________________________________
Date

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Effective 11/16/07

Citizens State Bank (“the Bank”) recognizes the importance our customers place on privacy and the security of their personal information.  Our goal is to protect your personal information in every way that we interact with you through the Internet. 

We think it is important for you to be informed of the policies, procedures, and security measures we have in place to safeguard your personal and confidential information. We have developed this paper to help you to understand the steps we take to protect your personal information through our Internet Services.   Please refer to our Privacy Notice for explanation and details of the Bank’s Privacy Policy.

For the purposes of this paper, Portal means the section of our website that allows individual customers to not only access the information, but to also personalize certain content and layout.

Practices Updates

New product releases may require changes to our Internet Privacy Practices.  The effective date of the paper will always be clearly displayed at the top of the paper.  Please periodically refer to this paper for the latest information.

How We Gather Information

As part of providing financial products or services, we may obtain information about our customers and consumers from the following sources:

• Information we receive from you on applications, emails, or other forms;
• Information you provide when you choose to customize the Portal; and
• Information that is generated electronically when you visit our website and use our Internet Banking and Portal Services.   

Confidentiality, Security, and Integrity of Your Nonpublic Personal Information

The Bank has developed strict policies and procedures to safeguard your personal information. We restrict employee access to your sensitive personal information to a "need to know" basis. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We educate our employees about the importance of confidentiality and customer privacy.  We take appropriate disciplinary measures to enforce employee privacy responsibilities. We offer secure email through our Internet Banking Service.  You should use the secure mail service anytime you send us sensitive personal information.

Our Internet Banking Service Provider, FundsXpress Financial Network, Inc. (“FundsXpress”), has also developed security policies and procedures to protect the customer information that they must collect and maintain to help us process your banking transactions over the Internet. They have developed a top-of-the line security system to ensure your customer information is protected on the Internet and within the FundsXpress environment. For more information on the FundsXpress security measures, please visit their website at www.fundsxpress.com.

Privacy for Internet Users

Our commitment to safeguard your privacy also extends to the Internet. If you are just browsing through our Portal, we do not request any personally identifiable information, nor do we collect unique identifying information about you unless you voluntarily and knowingly provide us that information, such as when you send us an email or complete an application online. If you provide us this information, it is only used internally and in furtherance of the purpose for which it was provided.

Our Internet Banking Service Provider, FundsXpress, may collect general information at our Portal simply to help us provide financial services to you online. They collect certain information on our behalf for security and statistical purposes. The information collected for these purposes may include:

• The Internet address (referral site) which brought you to our website;
• The date and time you access our site;
• The name and version of your web browser;
• The Internet Service Provider you used when you accessed our site;
• Your Internet Protocol (IP) address; and
• The pages visited in our website and Portal.

FundsXpress may use cookies to collect this general information on all website and Portal Visitors.  They also use cookies for security purposes in our Internet Banking Service and for customization and personalization of the Portal. 

Additional information about IP addresses and cookies are provided below.

Internet Protocol (IP) Addresses

An IP address is a number that's automatically assigned to your computer whenever you're on the Internet.  Web servers, the computers that "serve up" Web pages, automatically identify your computer by its IP address.

When collecting information for us, FundsXpress does not link IP addresses to anything personally identifiable, which means that a user's session will be logged, but the user remains anonymous.

FundsXpress may use IP addresses to audit the use of our site. They can and will use IP addresses to identify a user when necessary for security purposes. 

What is a Cookie?

A cookie is a very small text file sent by a web server and stored on your hard drive, your computer’s memory, or in your browser so that it can be read back later.  Cookies cannot “read” information about you from your computer or be used to “steal” information about you; and cookies don’t carry viruses.  Cookies are a basic way for a server to identify you (most cookies actually identify the computer you happen to be using at the time, not you personally). Cookies are used for many things from personalizing start up pages to facilitating online purchases.  Cookies help sites recognize return visitors and they perform a very important function when you engage in secure Internet Banking.  For your security, we do not store any of your personal information in our cookies. The cookies used in our Internet Banking Service and Portal are further described below. 

Internet Banking Cookies 

FundsXpress uses encrypted cookies that do not pass to your computer’s hard drive.  Instead, the cookie is stored in your computer’s memory, identifying only your computer while you are logged on. Only FundsXpress can read the information in these cookies. This Internet Banking cookie allows FundsXpress to process multiple transactions during your session without requiring you to reenter your pass code for each individual transaction. The cookies for Internet Banking simply provide another level of security for our Internet Banking Service. When you log off, or close your browser, the cookie is destroyed. A new cookie is used for each session. That way, no one can use the prior cookie to access your account. For additional security, the cookie expires after 10 minutes of inactivity. It must then be renewed by reentering your pass code. FundsXpress does not (and cannot) use this cookie to collect or obtain new personal information about you.  You must allow your browser to accept this cookie so you can use the Internet Banking Service.

Portal Cookies:

FundsXpress uses several cookies to provide features within the Portal.  They send a “Web Trends” cookie to all Portal visitors in order to help us collect general information on all Portal visitors. This cookie is sent to your computer hard drive and provides us information such as; when you accessed our site, which pages you accessed in the Portal, and what Internet Provider you used when you accessed our site. The information collected through this cookie is not personally identifiable and is only used for statistical purposes to assist us in our planning process and our marketing program.

When visitors register on the Portal and select the “Remember Me” checkbox, FundsXpress sends additional cookies to your hard drive, which enable you to customize the Portal and bypass the login process each time you revisit the Portal. These cookies are retained on your computer until you either delete them or click on the Logout link within the Portal. These cookies only contain a unique user identification number and do not contain or collect any personally identifiable information.

When registered users login to the Portal, FundsXpress sends an additional cookie called a "per-session" cookie or "server-side" cookie. This "server-side" cookie resides in the browser and is only used by FundsXpress to monitor the session by a unique identification number. This cookie is used for security purposes and you must allow your browser to accept the "server-side" cookie to use the Portal. The cookie is destroyed after eight hours. 

When you click on advertisements of third party merchants within the Portal, they may also send you a cookie to collect general nonpersonally identifiable information.  You do not have to accept these cookies to use the Portal. 

Email Policies

We do provide secure email through our Internet Banking Service.  The secure email actually encrypts the information before sending it to the Bank.  Only Bank staff with proper authority can view and process the secure email from our Internet Banking Service.  If you need to communicate any sensitive information to the Bank, please utilize this secure email.  Do not send any private information through unsecured email. 

External Third Party Links 

Our Portal and Website have numerous links to other third party sites.  These links to external third parties are offered as a courtesy and a convenience to our customers.

CITIZENS STATE BANK is not responsible for the privacy practices or the content of such web sites.  As a general rule, you should always look for and review a site's privacy NOTICE before giving out any personal information.

Third party merchants may collect personal information from you when you visit their sites.  For example, they collect personal information from you when you provide billing information or send them an email.  Some third party merchants may also send you a cookie to collect data on your Internet usage and preferences.  When you click on advertisements at third party sites, the advertising company may also send you a cookie.  With the exception of our service provider, FundsXpress, we do NOT have access to the information collected by any third party, nor can we control how they use this information.  If you have questions or concerns about the privacy policies and practices of these third parties, please review their websites and contact them directly.

Questions

If you have any questions regarding Citizens State Bank’s Internet Privacy Practices, please contact us

Via Phone:

Customer Service

1-877-3HERE 4 U.

Via Email:

customerservice@citizensbank.net

Via Traditional Mail:

Citizens State Bank

Attn: Customer Service

P. O. Box 109

Woodville, TX   75979

Fax  (409)283-2985

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