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Morrill & Janes Bank

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

January 2015


FACTS

WHAT DOES HEARTLAND FINANCIAL USA, INC. 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 Payment History
  • Credit History and Credit Scores

 

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 Financial USA, Inc. chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information

Does Heartland Financial USA, Inc. 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 Yes

For joint marketing with other financial companies

Yes No

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

Yes No

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

Yes Yes

For our affiliates to market to you

Yes Yes

For nonaffiliates to market to you

No We don't share

 

To limit our sharing

If you want to limit sharing, please call your institution at the toll-free number listed below:

Arizona Bank & Trust 877-280-1857
DB&T Insurance 877-857-6032
Illinois Bank & Trust 877-280-1853
Morrill & Janes Bank 877-280-1862
Rocky Mountain Bank 877-280-1858
Wisconsin Bank & Trust 877-280-1855

Citizens Finance 888-547-1980
Dubuque Bank & Trust 877-280-1851
Minnesota Bank & Trust 877-280-1860
New Mexico Bank & Trust 877-280-1856
Summit Bank & Trust 877-280-1859

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.  However, you can contact us at anytime to limit sharing.

 

Questions?

If you have any questions, please call your institution at the toll-free number listed below:

Arizona Bank & Trust 877-280-1857
DB&T Insurance 877-857-6032
Illinois Bank & Trust 877-280-1853
Morrill & Janes Bank 877-280-1862
Rocky Mountain Bank 877-280-1858
Wisconsin Bank & Trust 877-280-1855  

Citizens Finance 888-547-1980
Dubuque Bank & Trust 877-280-1851
Minnesota Bank & Trust 877-280-1860
New Mexico Bank & Trust 877-280-1856
Summit Bank & Trust 877-280-1859

 

What We Are

 

Who is providing this notice?

Heartland Financial USA, Inc. on behalf of its affiliates.

What We Do

 

How does Heartland Financial USA, Inc. 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 Financial USA, Inc. collect my personal information?

We collect your personal information, for example, when you:

  • Open an account
  • Deposit money
  • Apply for a loan
  • Seek advice about your investments
  • Tell us about your investment or retirement portfolio

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. See more below on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

 

Definitions

Affiliates

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

• Our affiliates include companies with a common ownership of Heartland Financial USA, Inc. which includes financial companies such as Arizona Bank & Trust, Citizens Finance, Citizens Finance of Illinois, DB&T Insurance, Dubuque Bank and Trust Company, Illinois Bank & Trust, Minnesota Bank & Trust, Morrill & Janes Bank and Trust Company, New Mexico Bank & Trust, Rocky Mountain Bank, Summit Bank & Trust, Wisconsin Bank & Trust.

Nonaffiliates

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

• Heartland Financial USA, Inc. 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.

  • Our joint Marketing Partners include life style benefits provider.

Other Important Information

State Laws:

Nevada residentsWe are providing you this notice pursuant to state law. You may be placed on our internal do Not Call List by calling the phone number listed under the To Limit Our Sharing section.  Nevada law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number is 702-486-3132; Email: BCPINFO@ag.state.nv.us.

California residents : Under California law, we will not share information we collect about you with companies outside of Heartland Financial USA, Inc. and its affiliates, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California Law.

Heartland Financial USA, Inc. legal entities and businesses covered by this notice

Financial Institutions and affiliates of Heartland Financial USA, Inc. that are providing this notice are as follows: Arizona Bank & Trust, Citizens Finance, Citizens Finance of Illinois, DB&T Insurance, Dubuque Bank and Trust Company, Illinois Bank & Trust, Minnesota Bank & Trust, Morrill & Janes Bank and Trust Company, New Mexico Bank & Trust, Rocky Mountain Bank, Summit Bank & Trust, and Wisconsin Bank & Trust

 

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