Kalamazoo County State Bank
Privacy Policy

Kalamazoo County State Bank (KCSB) Respects Each Customer's Right to Privacy. Following are our Principals of Privacy and PrivacyPolicy.

KCSB has always recognized and been guided by the belief that protecting each person's right to privacy is fundamental to the quality of customer relationships. Given the rapid pace of technological advancement in our society, the need to protect personal privacy has become even more important.

To let customers know the high priority KCSB places on protecting privacy, we want you to be aware of the principles we follow when collecting, maintaining, using, and safeguarding information about your relationship with us.

Kalamazoo County State Bank Principles of Privacy:

	KCSB recognizes and respects each customer's expectation that privacy will be protected.
	KCSB will collect and use only that information about our customers which we reasonably believe will be useful (and allowed by law) to administer our business and to provide products, services and other opportunities to our clients.
	KCSB will strive to maintain information about our customers that is both accurate and complete.
	KCSB will aim to limit access to information about our customers to those authorized individuals who have a legitimate need to know.
	KCSB will maintain security measures that guard access to and disclosure of information about our customers.
	KCSB will not disclose information about accounts or transactions to outside parties unless there is an appropriate legal or business justification.
	KCSB will ask outside parties who process information about our customers (when applicable) to abide by KCSB's Principles of Privacy.
	KCSB will not use "cookies" to collect information on visitors to our website.

Kalamazoo County State Bank Privacy Policy

Kalamazoo County State Bank, by Resolution of its Board of Directors, and in accordance with Title V of the Gramm-Leach-Bliley Act of 1999, implementing Regulation P and, to the extent applicable to information sharing among affiliates, the Fair Credit Reporting Act (FCRA), adopts the policy set forth below to assure ongoing compliance with the Act and regulations.

I. General Privacy Policy

Kalamazoo County State Bank recognizes and respects the privacy expectations of its customers. In this regard, and in accordance with Regulation P, the Bank has established and communicated its privacy policy to its customers in the Privacy Notice.

In summary, Kalamazoo County State Bank collects and shares customer information for legal and routine business reasons and for joint marketing as further described below. The Bank does not sell, share, redisclose or reuse information it collects from customers or third parties with other third parties except as permitted or required by law.

Collection of Information

The Bank collects information from its customers from the following sources:

	Information received on applications, or other forms such as name, address, social security number, assets, income and in the case of applications for insurance, health and medical information;
	Information about transactions with the Bank or with third parties such as account balance, payment history, products and services used, credit card usage; and
	Information from consumer reporting agencies such as credit worthiness and payment history.

Protection of Information

The Bank restricts access to customer information to those employees who need to know that information to provide products or services. The Bank maintains physical, electronic, and procedural safeguards that comply with federal standards to guard customer information.

From time to time, the Bank may enter into agreements with other companies to service accounts or make products or services available to the customer. In accordance with federal law, the agreements with these companies will include confidentiality and safeguarding provisions.

Sharing of Information for Legal and Routine Business Reasons and for Joint Marketing

The Bank does not disclose any information it obtains about customers to anyone, except as permitted by law. For example, the Bank discloses information necessary to:

	Process and service transactions or accounts the consumer requests or authorizes,
	Protect against potential fraud or unauthorized transactions,
	Respond to judicial process, and
	Comply with federal, state, or local legal requirements.

The Bank is also permitted by law to disclose personal nonpublic information to other financial institutions with whom it has joint marketing agreements in order to jointly offer, endorse or sponsor the same products. As of July 1, 2001, the Bank has joint marketing agreements with the following financial service providers:

	Hub International
	Total Card Management
	Investment Centers of America

The Bank will not share medical or health information with third parties except to process transactions or to provide services the customer has requested or initiated.

The Bank will not redisclose information it collects or receives from third parties to other third parties or reuse the information other than for the purpose for which it was provided.

Disclosure of Account Number or Similar Access Information

The Bank will not disclose an account number or similar form of access number or access code for a credit card, deposit, or transaction account to a third party for any purpose, other than as required for reporting to a consumer reporting agency or to service the account.

Application of Policy

The Bank’s privacy policy applies to both current and former customers.

Kalamazoo County State Bank is a Member FDIC and Equal Housing Lender.

At Kalamazoo County State Bank, your business is very important to us and we do our best to meet your changing banking needs. If at any time we can help you further, please contact us.