Privacy Policy

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've been 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 your confidentiality and maintain your confidence in our institution. These policies detail the strict standards we have in place. For this reason, we ask you to please read the following information carefully.

I. NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Community Savings Bank.

This is our privacy notice for our customers. When we use the words "you" and "your" we mean all of our consumer customers who have a continuing relationship with us, such as:

• Deposit Accounts
• Loan Accounts
• Credit Cards
• Safe Deposit Boxes

We will tell you the sources for non-public personal information we collect on our customers. 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. Non-public 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, 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 "Non-Affiliated Third Party" is a company that is not an affiliate of ours.

II. THE INFORMATION THAT WE COLLECT

We collect non-public personal information about you from the following sources:

• 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 non-affiliated third parties
• Information from a consumer reporting agency

III. INFORMATION WE DISCLOSE ABOUT YOU

We do NOT disclose any nonpublic personal information about you to anyone, except as permitted by law.

IV. THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NON-PUBLIC

PERSONAL INFORMATION

We restrict access to non-public 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 standards to guard your nonpublic personal information.

V. NON-PUBLIC PERSONAL INFORMATION AND FORMER CUSTOMERS

We do not disclose non-public personal information about former customers, except as permitted by law.