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

• Information we receive from you on applications or other forms;
• Information about your transactions with us and/or others;
• Information we receive from a consumer-reporting agency.

“Nonpublic personal information” is nonpublic information about you that we may obtain in connection with providing a financial product or service to you. This could include information such as account balances, payment history, and overdraft history.

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

If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.

We restrict access to your personal and account information 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.

When You Visit Our Web Sites:
When you visit The Citizens State Bank of Ouray’s Web sites, you do so without revealing your personal identity. Our systems recognize the Web site you came from and the Web site you go to when leaving. We may monitor statistics about visitors to our Web sites, such as how many people visit the sites and which pages they view. However, no personal information is associated with these statistics, and no personal information is collected unless you initiate a transaction or place an order.

We use return E-mail addresses to answer the E-mail we receive. Such addresses are not used for any other purpose and are not shared with outside parties. Any personally identifying information gathered is not sold to third parties.

Finally, we never use or share the personal nonpublic identifiable information provided to us online in ways unrelated to those described above.

Other Web Sites Linked to The Citizens State Bank of Ouray’s Web Sites:
Although fully responsible for the content of our own Web sites, The Citizens State Bank of Ouray is not responsible for the content or information practices employed by sites linked to or from our Web sites. In most cases, links to non-Citizens State Bank of Ouray Web sites are provided solely as pointers to information on topics that may be useful to the users of The Citizens State Bank of Ouray’s sites.

Your confidence in us is important and we want you to know that your personal and account information is safe. If you have any questions or concerns, please contact us.

updated 12/30/2008 

Main Bank/Ouray	Montrose Co Branch	Ridgway Branch	Silverton Branch
600 Main St	Hwy 141 & 97	145 W. Sherman	1202 Greene St
PO Box A	PO Box 160	PO Box 222	PO Box 6
Ouray, CO 81427	Naturita, CO 81422	Ridgway, CO 81432	Silverton, CO 81433
(970) 325-4478	(970) 865-2255	(970) 626-5462	(970) 387-5502