Heartland Bank's Privacy Policy

FACTS

WHAT DOES HEARTLAND BANK AND TRUST COMPANY
DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law
gives consumers the right to limit some but not all sharing. Federal law also requires
us to tell you how we collect, share, and protect your personal information. Please
read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or
service you have with us. This information can include:

• Social Security number and income
• Account balances and transaction history
• Credit history and credit scores

When you are no longer our customer, we continue to share your information as
described in this notice.

How?

All financial companies need to share customer's personal information to run their
everyday business. In the section below, we list the reasons financial companies can
share their customer's personal information; the reasons Heartland Bank chooses to
share; and whether you can limit this sharing.

For our everyday business purposes—
such as to process your transactions, maintain your
account(s), respond to court orders and legal investigations,
or report to credit bureaus

Yes

No

For our marketing purposes—
to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

No

For our affiliates’ everyday business purposes—
information about your transactions and experiences

No

We don't share

For our affiliates’ everyday business purposes—
information about your creditworthiness

No

We don't share

For nonaffiliates to market to you

No

We don't share

Who we are

Who is providing this notice?

Heartland Bank and Trust Company

What we do

How does Heartland Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Heartland Bank collect my personal information?

We collect your personal information, for example, when you

• open an account or apply for a loan

• use your credit or debit card or make deposits or withdrawals from your account

• make a wire transfer

We also collect your personal information from others, such as credit bureaus,
affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

• sharing for affiliates’ everyday business purposes - information about your creditworthiness

• affiliates from using your information to market to you

• sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and
nonfinancial companies.

• Heartland Bank does not share with our affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• Heartland Bank does not share with non-affiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Our joint marketing partners include an investment company.