Your Privacy is Important to Us
You provide important information about yourself to a variety of businesses and organizations. The same is true when you do business with our financial institution. You’re asked to provide us with certain personal information that helps us give you better service and complete your transactions more effectively.

We work diligently to safeguard the information you give to us. In fact, we developed the following policies to ensure you confidentiality and maintain your confidence in our institution. These policies detail the strict standards we have in place. For this reason we ask that you please read the following information carefully.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
We, our, and us, when used in this notice, mean Central 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:

• Our consumer customers who have a continuing relationship by purchasing or holding financial products or services such as a(n):
• Deposit account
• Loan account
• Safe deposit box
• Self-directed Individual Retirement Account

We will tell you the sources of the information we collect about you. 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.

Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section.

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 person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third, or simply, an “other party”.

THE INFORMATION WE COLLECT
We collect information about you from the following sources:

• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency

INFORMATION WE DISCLOSE ABOUT YOU
We do NOT disclose any information about you to anyone, except as permitted by law.
Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

THE CONFIDENTIALITY, SECURITY, AND INTERGRITY OF YOUR INFORMATION
We restrict access to 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 to protect this information.

INFORMATION ABOUT FORMER CUSTOMERS
We do not disclose information about former customers, except as permitted by law.

Online Privacy Information
Visiting our Web Site…..
We collect and store information about your visit to our web site, such as

• How many people visit our site
• How many people return to our site
• Which page(s) people visit on our site
• What time(s) people visit our site

These general statistics are used to monitor our site so we can determine which parts of our web site are most useful. With this information, we can continue to improve the site to most effectively serve the needs of our existing and prospective clients. This site does not use cookies.

Contacting us via E-mail...
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 other information your e-mail shows about you, such as your name or organization, will be revealed to 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, or shared with organizations outside of the bank, unless we are compelled to do so by law or court order.

Internet Accounts...
When you apply over the Internet for a Central State Bank account, we collect personal information in order to process your application. We may retain this information so that we can provide the products and services you request. This information will not be sold, or shared with organizations outside of the bank. Sometimes, however, it is necessary to share personal information with business partners to provide the product or service you have requested. For example, if you request a credit card, we provide only the necessary information to the appropriate partner so that this service can be fulfilled. This partner adheres to using information only as directed by Central State Bank.

Employee Access...
Our employees are aware of the importance of client confidentiality and privacy. All business with our clients is treated as strictly confidential. Your information is available to only those employees who have a legitimate business need and authorization to access the data. We take appropriate disciplinary measures to enforce employee privacy responsibilities.

Contact, Promotions, Giveaways...
From time to time we may solicit information from you to our guestbook, or in connection with a giveaway or drawing. The disclosure of information is entirely voluntary on your part and, if you choose to give it, the personally identifying data will be used primarily to enable us to contact you with additional information about our bank and its products and services.

Questions and/or Concerns?
In order for Central State Bank to provide you with the maximum benefits and service, we request that you keep your information as up-to-date as possible. If you ever have questions or concerns regarding the accuracy of your personal information at Central State Bank, please contact us at 641-483-2505 or you may write us at 109 West Main, State Center Iowa, 50247. We will investigate your concerns and make any changes as needed.

We reserve the right to change this policy at any time by posting a new privacy policy.