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 transaction 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 share their customers’ personal information; the reasons Midland States Bank chooses to share; and whether you can 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

For our marketing purposes – to offer our products and services to you

For joint marketing with other financial companies

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

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

For our affiliates to market to you

For our nonaffiliates to market to you

Who is providing this notice?

Midland States Bancorp, Inc. and its subsidiary Midland States Bank

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 safeguards to protect this information and limit access to employees for whom access is appropriate.

We collect your personal information, for example, when you

• Open an account or deposit money
• Pay your bills or apply for a loan
• Use your debit card

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 non-affiliates to market to you

State law and individual companies may give you additional rights to limit sharing.

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

• Midland States Bancorp, Inc. (Holding Company) and Midland States Bank are affiliates.  Our affiliates currently include entities with the Midland and Heartland names as well as entities of a financial nature bearing another name.  They include:  Midland Financial Advisors, Inc., Midland Trust Company, Heartland Premier Mortgage, Heartland Business Credit, and Love Funding Corporation.  Our affiliates may also include subsequently formed or acquired entities of a financial or nonfinancial nature.

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

• Midland States Bank does not share with non-affiliates so they can market to you.

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

• Our joint marketing partners include other financial services companies such as credit card companies, online banking companies, payment processing and payment services companies.