Privacy of Customer Information Disclosure

The privacy of your personal information has always been and continues to be as important to us as it is to you. Through the course of your relationship with Citizens State Bank of Waverly, you have provided personal information about yourself to help us to better serve your financial needs. As you have chosen us to provide financial services to you, we have accepted the responsibility of handling your personal information with the trust you expect from us. Please take the time to review the following privacy policies we abide by.

The Staff of Citizens State Bank of Waverly is obligated to its customers to ensure that their personal account information is treated with the utmost sensitivity and confidentiality. We strive to maintain account information that is accurate, complete, and secure.

As is policy of Citizens State Bank of Waverly, and in compliance with the Federal Right to Financial Privacy Act, we do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

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, our affiliates, or others.

• Information we receive from a consumer reporting agency.

We restrict access to nonpublic personal information about you to those employees who need to know such information to provide products or services to you. Physical, electronic, and procedural safeguards are maintained by Citizens State Bank of Waverly that comply with federal standards to protect your nonpublic personal information.

CITIZENS STATE BANK
OFFICES AT MONTROSE AND WAVERLY
PO Box 68
WAVERLY, MINNESOTA 55390
(763-658-4417)