Heartland State Bank places a high emphasis on the privacy of our customers' personal information that they share with us. To safeguard that information we have adopted the following privacy policy.

What information we collect:
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, our affiliates (including Jans Insurance), or others; and
• Information we receive from a consumer reporting agency.
• Information we may receive from you via the Internet or other electronic means.

Who we share this information with:
We do not share this information with nonaffiliated third parties except those service providers necessary to effect, administer or enforce a transaction. Examples of this type of service provider would be our credit card processor, our ATM and Debit Card service provider, our internet banking provider or others who's services are necessary to complete these types of transactions. Exceptions are also granted for processing transactions at our consumer's request or where allowed or required by law.

How we protect this information:
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you and to complete those transactions for the bank. Our employees are trained and educated on the necessity of protecting our customers' confidentiality and privacy. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.