CITIZENS STATE BANK OF ROSEAU MOBILTI PRIVACY POLICY

Citizens State Bank of Roseau Mobiliti (the “App”)—powered by Fiserv.

The App allows you to:

 Get real-time balances for your accounts.

 Manage your money.

 View your transactions and statements.

 Make transfers.

 Pay your bills and manage billers.

 Deposit a check.

 Receive alerts.

This Privacy Policy, in combination with other relevant privacy notices that we provide— Example:

pursuant to financial privacy laws—is to inform you of the policies and practices regarding the collection,

use and disclosure of any personal information that we and our service providers collect from or about

users in connection with the App’s website, and mobile application (the “Services”).

THE TYPES OF INFORMATION WE COLLECT IN THE APP

Through your use of the Services, we may collect personal information from you in the following ways:

 Personal Information You Provide to Us

o We may collect personal information from you, such as your first and last name, address,

email, telephone number, and social security number when you create an account.

o We will collect the financial and transaction information necessary to provide you with the

Services, including account numbers, payment card expiration date, payment card

identification, verification numbers, and transaction and payment history.

o If you provide feedback or contact us via email, we will collect your name and email address,

as well as any other content included in the email, in order to send you a reply.

o We also collect other types of personal information that you provide voluntarily, such as any

information requested by us if you contact us via email regarding support for the Services.

 Personal Information Collected from Third Parties—We may collect certain information from

identity verification services and consumer reporting agencies, including credit bureaus, in order to

provide some of our Services.

 Personal Information Collected Via Technology—We and our service providers may automatically

log information about you, your computer or mobile device, and your interaction over time with our

Services, our communications, and other online services, such as:

o Device data, such as your computer or mobile device’s operating system type and version,

manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage,

device type (example: phone, tablet), IP address, unique identifiers, language settings, mobile

device carrier, radio/network information (example: Wi-Fi, LTE, 3G), and general location

information such as city, state, or geographic area.

o Online activity data, such as pages or screens you viewed, how long you spent on a page or

screen, the website you visited before browsing to the Service, navigation paths between

pages or screens, information about your activity on a page or screen, access times, and

duration of access.

o Cookies, which are text files that websites store on a visitor’s device to uniquely identify the

visitor’s browser or to store information or settings in the browser for the purpose of helping

you navigate between pages efficiently, remembering your preferences, enabling

functionality, and helping us understand user activity and patterns.

o Local storage technologies, like HTML5 and Flash, that provide cookie-equivalent

functionality but can store larger amounts of data, including on your device outside of your

browser in connection with specific applications.

o Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a

webpage or email was accessed or opened, or that certain content was viewed or clicked.

o Location Information. If you have enabled location services on your phone and agree to the

collection of your location when prompted by the Services, we will collect your location

information when you use the Services; for example, to provide our fraud detection services.

If you do not want us to collect this information, you may decline the collection of your

location when prompted or adjust the location services settings on your device.

HOW WE USE YOUR INFORMATION COLLECTED IN THE APP

 General Use—In general, we use your personal information collected through your use of the

Services to respond to your requests as submitted through the Services, to provide you the Services

you request, and to help serve you better. We use your personal information, in connection with the

App, in the following ways:

o Facilitate the creation of, and secure and maintain your account;

o Identify you as a legitimate user in our system;

o Provide improved administration of the Services;

o Provide the Services you request;

o Improve the quality of experience when you interact with the Services;

o Send you administrative email notifications, such as security or support and maintenance

advisories; and

o Send surveys, offers, and other promotional materials related to the Services.

 Compliance and protection—We may use your personal information to:

o Comply with applicable laws, lawful requests and legal process, such as to respond to

subpoenas or requests from government authorities;

o Protect our, your or others’ rights, privacy, safety or property (including by making and

defending legal claims);

o Audit our internal processes for compliance with legal and contractual requirements and

internal policies;

o Enforce the terms and conditions that govern the Service; and

o Prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical, or illegal

activity, including cyberattacks and identity theft.

 Creation of Non-Identifiable Data—The App may create de-identified information records from

personal information by excluding certain information (such as your name) that makes the

information personally identifiable to you. We may use this information in a form that does not

personally identify you to analyze request patterns and usage patterns to enhance our products and

services. We reserve the right to use and disclose non-identifiable information to third parties in our

discretion.

DISCLOSURE OF YOUR PERSONAL INFORMATION

We disclose your personal information collected through your use of the Services as described below.

 In Accordance with Our Other Privacy Notices—Other than as described in this Privacy Policy in

connection with the App, this Privacy Policy does not apply to the processing of your information by

us or third parties with whom we share information.

 Third Party Service Providers—We may share your personal information with third party or

affiliated service providers that perform services for or on behalf of us in providing the App, for the

purposes described in this Privacy Policy, including: to provide you with the Services; to conduct

quality assurance testing; to facilitate the creation of accounts; to optimize the performance of the

Services; to provide technical support; and/or to provide other services to the App.

 Authorities and Others—Regardless of any choices you make regarding your personal information,

The App may disclose your personal information to law enforcement, government authorities, and

private parties, for the compliance and protection services described above.

LINKS TO OTHER SITES

The App may contain links to third party websites. When you click on a link to any other website or

location, you will leave the App and go to another site, and another entity may collect personal and/or

anonymous information from you. The App’s provision of a link to any other website or location is for

your convenience and does not signify our endorsement of such other website or location or its contents.

We have no control over, do not review, and cannot be responsible for, these outside websites or their

content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites. We

encourage you to read the privacy policy of every website you visit.

YOUR CHOICES REGARDING YOUR INFORMATION

You have several choices regarding use of information on the Services.

 How We Respond to Do Not Track Signals—Some web browsers transmit “do not track”

signals to the websites and other online services with which your web browser communicates.

There is currently no standard that governs what, if anything, websites should do when they

receive these signals. We currently do not take action in response to these signals. If and when a

standard is established, we may revise its policy on responding to these signals.

 Access, Update, or Correct Your Information—You can access, update, or correct your

information by changing preferences in your account. For additional requests, please contact us.

 Opting Out of Email or SMS Communications—If you have signed-up to receive our email

marketing communications, you can unsubscribe any time by clicking the "unsubscribe" link

included at the bottom of the email or other electronic communication. Alternatively, you can opt

out of receiving marketing communications by contacting us at the contact information under

"Contact Us" below. If you provide your phone number through the Services, we may send you

notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by

unlinking your mobile phone number through the Services.

 Opting Out of Location Tracking—If you initially consented to the collection of geo-location

information through the Services, you can subsequently stop the collection of this information at

any time by changing the preferences on your mobile device. Please note, if you withdraw

consent to our collection of location information, you may no longer be able to use some features

of the App.

SAFEGUARDS AND RETENTION

We implement reasonable administrative, technical, and physical measures in an effort to safeguard the

information in our custody and control against theft, loss and unauthorized access, use, modification, and

disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee

the security of your information.

A NOTE ABOUT CHILDREN

The Services are not directed towards individuals under the age of 18, and we do not, through the App,

intentionally gather personal information about visitors who are under the age of 18. If a child under 18

submits personal information to us through the App and we learn that the personal information is the

information of a child under 18, we will attempt to delete the information as soon as possible.

This Privacy Policy is subject to occasional revision. We will notify you of any material changes in its

collection, use, or disclosure of your personal information by posting a notice on the Services. Any

material changes to this Privacy Policy will be effective thirty (30) calendar days following notice of the

changes on the Services. These changes will be effective immediately for new users of the Services. If

you object to any such changes, you must notify us prior to the effective date of such changes that you

wish to deactivate your account. Continued use of the Services following notice of any such changes shall

indicate your acknowledgement of such changes.

If you have any questions or complaints about this Privacy Policy or The App’s data collection or

processing practices, or if you want to report any security violations, please contact Citizens State Bank

by email at: customerservice@citizensros.com; by phone at (218) 463-2135 or by mail at 118 Main Ave

S, Roseau MN 56751.

(8/2023)