Privacy Policy

First Bank and Trust Company Privacy Policy, facts about how First Bank and Trust Company handles your sensitive information"
FACTS	What does Heartland State Bank 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 credit history transaction history and payment history account transactions and wire transfer instructions 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 customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Heartland State Bank chooses to share; and whether you can limit this sharing.

First Bank and Trust Company Privacy Policy Section 2:Why First Bank and Trust Company Shares your personal information
Reasons we can share your personal information	Does Heartland State Bank Company Share?	Can you 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	No	We don't share
For our affiliates’ everyday business purposes - information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes - information about your creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For non-affiliates to market to you	No	We don't share

First Bank and Trust Company Privacy Policy Section 3: Contact information regarding any Questions.
Questions?	Call 605-475-5500 or go to www.hsbsd.com

First Bank and Trust Company Privacy Policy Part 4: Definitions
Definitions
What We Do
How does Heartland State Bank Company 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. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Heartland State Bank Company collect my personal information?	We collect your personal information, for example, when you open an account or apply for a loan provide account information or give us your contact information show your driver's license 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 non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
Affiliates	Companies related by common ownership or control. They can be financial and non financial companies. Our affiliates include nonfinancial companies, such as HEARTLAND FINANCIAL SERVICES, INC.
Non-affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Heartland State Bank does not share with non-affiliates so they can market to you.
Joint Marketing	A formal agreement between non affiliated financial companies that together market financial products or services to you. Heartland State Bank doesn't jointly market.