At Arizona Bank & Trust, our goal is to provide you with all the financial services you need, when you need them. As a community bank, we believe the best way to achieve that goal is to be able to provide you with effective, personalized service, timely notice of new products or services that may benefit you, and attention to innovations in the marketplace that will enhance your financial goals.

In helping you achieve your financial goals, we understand that protecting the privacy of your financial information is important to you. We want you to understand what information we collect and how we use it. This privacy notice describes our practices for safeguarding your personal information and our commitment to protecting your privacy. In the paragraphs below, we describe the types of information that we collect, and explain how and why that information may be shared with others. The following policy serves as a standard for all Arizona Bank & Trust employees for collection, use, retention, and security of nonpublic personal information.

I. We Safeguard Information We Collect About You
We follow strict security standards and procedures to prevent unauthorized access to personal information. Only properly authorized employees may access information we collect from or about you. We regularly test our technology and utilize multiple procedures to protect the confidentiality of information about you. We apply rigorous standards for protecting personal information regarding all our interactions with you, including those conducted via the Internet.

II. What Information We Collect And How We Collect It
We may collect "nonpublic personal information" about you from sources such as:

	Application, account, or enrollment process;
	Transactions with us, our affiliates or others;
	Third parties such as credit bureaus; and
	Information we obtain through our website.

Nonpublic personal information is certain information about you that we obtain in connection with providing a financial product or service to you. For example, nonpublic personal information includes data regarding your account balance, payment history, and overdraft history.

III. Information Sharing

A. Information Sharing for Joint Marketing Purposes
For products that you purchase, we may disclose all of the information we collect, as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. You may not opt out of this type of information sharing.

B. With our affiliates:
We are permitted under law to share information about our experiences or transactions with you or your account (such as your account balance and your payment history with us) with companies related to us by common control or ownership (affiliates). We may also share additional information about you or your account (such as information we receive from you in applications and information from credit reporting agencies) with our affiliates. We use and share information among affiliated banks and companies for a variety of purposes, among them:

	To offer new products and services that may be of interest to you;
	To assist us in providing account maintenance and more efficient service;
	To provide extra levels of protection against access to your accounts; and
	To help us design and improve products.

You may limit our affiliates in the Heartland Financial USA, Inc group of companies, such as our insurance and banking affiliates, from marketing their products or services to you based on your personal information that we collect and share with them. This information may include your name, address, and type of account. Your decision to limit marketing offers from our affiliates will apply until you tell us to change your choice. You may also direct us not to disclose to our affiliates information that does not relate solely to our experiences or transactions with you or your account (such as credit bureau information). You may communicate your decision regarding the sharing of your information with our affiliates by notifying us as described below.

C. With Third Parties
We only share information with third parties (non-affiliated banks and companies) for specific reasons. We may disclose the information we collect about you to third parties that assist us in servicing your loan or account with us, for example, check printers or technology providers.

We may also share information with financial services companies such as insurance companies that offer products that are different from those we provide. In these cases we require that this information not be used for any other purposes. If you desire to opt out of this type of sharing, please notify us as described below.

We may disclose the information we collect about you (as either a current or former customer) in response to a subpoena, to prevent fraud, to comply with an inquiry by a government agency or other regulator, or as necessary for other legal purposes.
We do not share information with third parties for the purpose of marketing non-financial products or services unless you have been given the opportunity in advance to decline.

IV. Accuracy of Information
We strive to keep our records accurate and will make appropriate corrections when you notify us. Please let us know if there is incorrect information in any statements or other communications that you receive from us.

V. How to Notify Us
If you would like to communicate to us your decision regarding your account information, please call us locally at (480) 844-4500 or toll free at (888) 906-4500. If previously you indicated an opt-out choice to us, you do not have to provide it again. If you have a joint account, each account holder may make a separate choice, but any account holder can opt out on behalf of the other joint account holder.