At Citizens~Union Savings Bank, protecting the privacy and confidentiality of your personal information is important to us. We value your business and the trust you put in Citizens~Union Savings Bank. To offer you the financial products and services you seek, we collect, maintain, and use information about you on a routine basis. To help you better understand how your personal information is protected here, we are providing you with the following statement describing our practices and policies with respect to the privacy of customer information.

We first define some terms.

We, our, and us, when used in this policy, mean Citizens~Union Savings Bank and its affiliates: Citizens~Union Insurance Agency, LLC and Citizens~Union Financial Services.

This is our privacy policy 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 for personal, family, or household purposes, such as a:

• Deposit account
• Loan account
• Safe deposit box
• Self-directed Individual Retirement Account where we act as custodian or trustee
• All former customers

We will tell you the sources of nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information.

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 company that is not an affiliate of ours.

The Information That We Collect

We collect nonpublic personal information about you from the following areas:

• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information about your transactions with our affiliates
• Information about your transactions with nonaffiliated third parties
• Information from a consumer reporting agency

The Confidentiality, Security, and Integrity of Your Nonpublic Personal Information

We restrict access to nonpublic personal information about you to those employees and service providers with a legitimate purpose 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.

Nonpublic Personal Information and Affiliates

We may disclose nonpublic personal information about you to our affiliates. Here are the kinds of nonpublic personal information we may disclose:

Transaction and experience information from our account records, such as name and address, loan account balances, and types of accounts (other than deposit accounts).

We share nonpublic personal information with our affiliates in accordance with applicable law .

Types of Affiliates

We may disclose non-public personal information about you to the following type of affiliate:

• Insurance agents

Reason for Disclosing

We may disclose nonpublic personal information about you to our affiliates to provide you with a wide array of products and services for your financial needs.

Nonpublic Personal Information and Nonaffiliated Third Parties

We will not disclose nonpublic personal information about you to nonaffiliated third parties except as disclosed in this policy or as permitted by law.

Nonpublic Personal Information and Trust Customers

Notwithstanding anything to the contrary contained in this policy, we do not disclose nonpublic personal information gathered by our trust department to anyone except service providers to complete authorized transactions or as required by law.

Nonpublic Personal Information and Former Customers

If your account(s) is closed for any reason or becomes inactive, we will continue to follow the privacy and practices as described in this notice.