Financial Privacy Notice

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.

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

When you are no longer our customer, we continue to share your information as described in this notice.

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 HTLF chooses to share; and whether you can limit this sharing.

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

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 any time to limit our sharing.

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

Heartland Financial USA, Inc. and its subsidiaries that provide financial services (collectively referred to herein as “HTLF”).

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 collect your personal information, for example, when you:

• Open an account or deposit money
• Apply for a loan or 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.

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 below for more on your rights under state law.

Your choices will apply to everyone on your account.

Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with an HTLF name and Heartland Financial USA, Inc. Insurance Services

Companies not related by common ownership or control. They can be financial and nonfinancial companies, such as credit card providers.

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Our joint Marketing Partners include benefits providers, insurance companies, and credit cards providers.

State Laws:

Nevada Residents:

We 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 HTLF 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.