HEARTLAND Privacy Policy

Your privacy is important to HEARTLAND Community Bank. While information is the cornerstone of our ability to provide superior service, our most important asset is our customers' trust. Keeping customer information secure, and using it only as our customers would want us to, is a top priority for all of us at HEARTLAND Community Bank. We respect your financial privacy and comply with laws and regulations designed to secure that privacy. Your relationship with us is important, and we want you to understand our policies and practices about handling information. We will keep confidential any nonpublic personal information about you, but may share this information about you with our subsidiaries, affiliated companies and business partners as described below in order to provide better service.

We do not share our current or previous customers' nonpublic personal information with affiliates or with nonaffiliated third parties except as permitted or required by law.

We may routinely collect or retain information that includes: (1) your name, address, telephone number, social security number, annual income, current and past employers; (2) answers to questions on deposit and loan applications; and (3) deposit and loan balances, overdraft history and payment history with us. We collect information from consumer reporting agencies regarding credit and checking account histories. In order to better serve you, we also retain information about the types of products and services you purchase from us to learn about your financial needs and interests. We may share this information with others to the extent permitted by law and in accordance with our information sharing policies and practices listed below.

Information that we have about you is available to our employees and agents on a "need to know" basis so they can do their jobs. We prohibit our employees and agents from giving information about you to anyone in a manner that would violate any applicable law or our privacy policy. We do not provide information about you to anyone without first verifying who they are and whether they may have legal access to the information. We train our employees to protect information we have about you.

We will not disclose your account number or access code for a deposit or transaction account to a nonaffiliated third party in order for them to sell you products or services. We may give your account number or access code to consumer reporting agencies because we are allowed or are required to do so by law.

We will share information with affiliates and subsidiaries in order to offer you additional products and services. Subsidiaries are companies we own or control. Affiliates are other companies that are commonly owned or controlled by our parent holding company, HCB Bancshares, Inc. We will not share "other information" with affiliates as outlined in the federal Fair Credit Reporting Act.

We may share information about you with certain nonaffiliated companies that are our agents. We do this to provide convenient access to products or services, or because these companies help us perform necessary business functions or services. This sharing is permitted by law. Such agents are required to keep confidential any information about you that we give them.

When you end your customer relationship with us, or when we end our customer relationship with you, we will treat the information we have about you as if you were still our customer.