| Definitions |
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Jans Insurance Agency, Inc.
|
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Heartland State Bank does not share with nonaffiliates so they can market to you.
|
| Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Heartland State Bank doesn’t jointly market.
|
