This financial institution 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, whether it’s on the telephone, in our lobby, at one of our ATMs, or on 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 policy to help you to understand the steps we take to protect your sensitive information. Throughout our website, you will have access to our Privacy Policy at any time.

Visitors to our web site will remain anonymous. We do not collect personal identifying information about visitors to our site.

Our servers collect standard non-identifying information about visits to the site, such as date and time visited and IP address. This information is used to compile standard statistics on site usage.

If you have provided personal identifying information via e-mail (such as name and address), the information will only be used to communicate with you to handle your request. It is not sold or transferred to other parties.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS
Links: Our website and portal have a number of links to other websites. These links to third parties are offered as a courtesy and a convenience to our customers. We have reviewed the content of these third party websites to ensure that they also have privacy policies. Merchants in these websites may collect certain information from you when you visit their sites or when you provide them billing or shipping 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. This financial institution assumes no responsibility for the content, safety, security, or privacy of any such site or any transactions you conduct through them. However, if you need any assistance in contacting these third parties, or if you have any concerns regarding unauthorized access to your accounts or financial institution credit cards, please contact us at 1-800-421-1105 or via email at info@csb123.com.

Privacy Updates
New product releases may require changes to our Privacy Policy. When such changes are made, we will indicate the date of the update at the top of the Privacy Policy. We will provide our customers copies of our Privacy Policy on an annual basis. If you have agreed to accept disclosures electronically, we may send you an email telling you where the Privacy Policy can be viewed from our website.

Information That We Collect:

• We collect nonpublic personal information about our customers from the following sources:
  • Information we receive from you on applications, emails, or other forms.
  • Information you provide to customize our portal.
  • Information about your transactions with us and our affiliates.
  • Information we receive from a consumer-reporting agency.
  • Information that is generated when you contact us electronically.
  
  
• Our Internet financial services provider, FundsXpress Financial Network, Inc. ("FundsXpress"), also collects and maintains certain information about our customers simply to help us provide banking and other financial services to you online. They may also collect certain information for security and statistical purposes. The information collected may include:


• The internet address from which you access our web site.


• The date and time you access our site.

Cookies When you log on to our Internet banking system, our service provider, FundsXpress, passes a cookie to your browser. The cookie only identifies your computer. FundsXpress does not (and cannot) use cookies to collect or obtain new personal information about you.

This cookie allows FundsXpress to process multiple transactions during your session without requiring you to reenter your passcode for each individual transaction. The cookies for online banking simply provide another level of security for our Internet banking product.

The FundsXpress TM online banking product uses encrypted cookies that do not pass to your hard drive. Instead, the cookie is stored in the memory of your browser, identifying your computer while you are logged on. Only FundsXpress can read the information in these cookies. When you log off, close your browser, or turn off your machine, 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 passcode.

When you log on to our customizable financial transaction platform ("Portal"), this financial institution does not send you a cookie. However, if you select the "Remember Me" checkbox when you login, a cookie is sent by FundsXpress to your hard drive. This "Remember Me" cookie enables you to customize the Portal and bypass the login process each time you revisit the Portal. This cookie is retained on your hard drive until you either delete it or click on the Logout link within the Portal. When you use the Portal, FundsXpress sends you another 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. You must accept the "server-side" cookie to use the Portal. The cookie is destroyed after eight hours.

Neither the "Remember Me" cookie or the "server-side" cookie collect or maintain any personally identifiable information about you.

• In the future, to assist us in our marketing program we may also collect information on the pages you visit.

• Visitors to our website remain anonymous. We do not collect unique identifying information about you unless you voluntarily and knowingly provide us that information, and we don’t send you a "cookie." We do collect general information about your visit, such as when you accessed our site, which pages you accessed in our website, and what Internet provider you used when you accessed our site. You may elect to provide us with more specific information, such as when you give us feedback or send us an email. If you provide us this information, it is only used internally and in furtherance of the purpose for which it was provided.

Information That We Disclose We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. We do not sell any of your personal information. We will not disclose any medical information that you provide to us, unless you specifically authorize its disclosure.

In the future, we may disclose portions of the information we collect on our customers and former customers with companies or other financial institutions that perform marketing services on our behalf. If we disclose any of your nonpublic personal information to a marketing company or other financial institution with which we have a joint marketing agreement, we will provide you an opportunity to opt-out or opt-in if required by law.

We would only share your personal information with a third-party advertising company in order to market more effectively to you. Improved marketing practices would allow us to only market products and services that may be of particular interest to you or save you money.

We will require any company or financial institutions performing marketing services on our behalf to sign a contract to maintain the confidentiality of our customer information to the same extent that we must do.

We do not disclose or sell to any third-party information that we collect or that is provided to us from visitors to this website. We do not send advertisements or email to someone who just visited our website. 

Security This financial institution has developed strict policies and procedures to safeguard your personal information. We restrict employee access to your nonpublic 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.

Our Internet banking service provider, FundsXpress, has also developed security policies and procedures to protect the customer information 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 click security measures.

Questions If you would like to know what information your financial institution and FundsXpress have collected regarding your use of Internet products and services, please contact us at 1-800-421-1105 or via email at info@csb123.com.  After reviewing the information, if you believe any of the information is in error, contact your financial institution either by phone or email, or send a letter that explains the alleged discrepancy. If the information is incorrect, we will work with FundsXpress to ensure your information is promptly updated. In addition, if you believe any information that this financial institution or FundsXpress has collected about you has been used for an improper purpose, please contact your financial institution, or contact FundsXpress at info@csb123.com.  Explain your concerns in as much detail as possible so that we may take any appropriate action. 

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, such as:

• Deposit account
• Loan account
• Safe deposit box
• Self-directed Individual Retirement Account where we act as custodian or trustee
• All persons who use our trust department
• All IRA accounts for which we act as custodian
• All former customers

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.

We, our, and us means Central State Bank.

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, and 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.

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

• Information we receive from you on application or other forms
• Information about your transactions with us
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency
• We do not disclose any nonpublic personal information about you to anyone, except as authorized 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 regulations to guard your nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES
Since we value our customer relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.

NONPUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS
If you decide to close your account(s) or become an inactive customer, we will follow the privacy policies and practices as described in this notice.

Comments about this site should be directed to:

Central State Bank
P.O. Box 217
Pleasant Hill, IL 62366
(217) 734-2356
E-mail: info@csb123.com

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