THIS NOTICE IS DESIGNED TO INFORM YOU, A CUSTOMER OF CITIZENS COMMUNITY BANK, ABOUT THE INFORMATION THAT WE COLLECT ABOUT OUR CUSTOMERS, THE SOURCES OF THAT INFORMATION, THE CUSTOMER INFORMATION THAT WE DISCLOSE TO OUR AFFILIATES AND NON-AFFILIATED THIRD PARTIES AND THE CIRCUMSTANCES IN WHICH WE DO SO. IT ALSO DESCRIBES THE SYSTEMS AND PROCEDURES WE HAVE IN PLACE TO MAKE SURE THAT INFORMATION ABOUT YOU IS KEPT CONFIDENTIAL.

Citizens Community Bank collects information about you from some or all of the following sources:

• Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income;
• Information about your transactions with us, our affiliates, or others, such as your payment history, your account balance, parties to transactions, and credit card usage; and
• Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

We do not disclose any nonpublic personal information about our customers and former customers to affiliates or non-affiliated third parties except as permitted by law.

We may disclose all of the information we collect as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

We restrict access to nonpublic 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.

Our Web Site is designed to offer you information about Citizens Community Bank’s products and services. We have a variety of security features in place to assure that your account information remains confidential on both our NetTeller Internet Banking Service (NetTeller) and on our Citizens Bill Pay Service (Bill Pay). Any account information transmitted over NetTeller and Bill Pay is encrypted. Information that we require from customers when they sign up for either service also remains confidential.

NetTeller Internet Banking and Citizens Bill Pay Service have built-in security features to assure your information remains confidential. These features include:

• Your account numbers never appear on NetTeller. That is why you choose how you would like your account names to appear on the screen.
• You have the option of changing your identification (ID) number and personal identification number (PIN) as often as you feel appropriate.
• Your information on NetTeller is protected by Secure Socket Layer (SSL) technology – the highest level of Internet security available.
• When you sign up for NetTeller and/or Bill Pay, we will give you a 12-character ID number and a four-digit PIN number.

If you have any questions concerning NetTeller Banking or Citizens Bill Pay Service, please contact Debbie Cameron at (618) 566-8800 or (618) 235-7335. Or, E-mail us anytime at .