CHILDREN'S ONLINE PROTECTION AND
PRIVACY ACT NOTICE

If you are under 13, you are required to have permission from your parents or legal guardian to provide identifiable information. Identifiable information is any thing that can be used to identify you: this can include name, address, age, and email address. An email address is required to register for our forums. You must have your parent or legal guardian sign and either fax or mail the parental permission form to Heartland Bank.

Direct Notice to Parents

It is Heartland Banks intention to adhere to the Children's Online Privacy and Protection Act (COPPA). This notice describes our practices of collecting, using, and disclosing personal information from children under 13. We suggest that you also review our general privacy statement and security statement. We describe our policies in the following order: 1. The information we collect, 2. How we collect the information, 3. How we use the information, 4. Disclosure of the information.If you have any questions about these policies, you may contact us by e-mail at info@heartlandbank.com, by telephone at 1.800.697.0049, or in writing at Heartland Bank, 850 North Hamilton Road, Gahanna, Ohio, 43230.

1. The Information We Collect

• Personal Information
  • Your child is not required to provide any information to us to access our site, and we will not obtain personal information about your child when she visits our site unless your child chooses to give such information to us, and we have your permission. We do not require a user to disclose more information than is reasonably necessary to participate in an activity as a condition of participation. For example, we do not require users to provide any personal information such as real names, postal addresses, or telephone numbers in order to use this site.
• Non-Personal Information
  • We may also collect what is known as non-personally identifiable information when you visit our Web pages such as the type of browser you are using (e.g., Netscape, Internet Explorer), the type of operating system you are using (e.g., Windows '95, Mac OS), and the domain name of your Internet service provider (e.g., America Online, Earthlink).
• Information in the Future
  • As we expand the services we provide on our site, we may collect additional types of personal information. We will ask you for your permission before collecting any of this additional information from your child.

2. How We Collect the Information

In addition to the information that your child may give us directly, we may collect some non-personal information indirectly.

• Collection of Information by Third-Party Sites and Sponsors
  • Third-party sites and sponsors do not have the ability to collect personal information off our site.
• Links to Other Sites
  • Heartland Bank cannot control the activities of any third parties once you leave our Web site. If you have questions about the privacy policies of such third parties, we suggest contacting them directly or visiting their Web sites to review their posted privacy policies.

3. How We Use the Information

This is how we will handle information we learn about your child's visit to our Website.

• Use of Non-Personally Identifiable and Aggregate Information We sometimes use non-personally identifiable or "aggregate information" that we collect to improve the design and content of our site. Aggregate data is not information that could be used to identify you or your child or to contact you or your child.

4. Disclosure of the Information

Heartland Bank will not disclose your child’s personal information.No identifiable information from the Web site will be used for any promotional or marketing purposes, or transferred to any third parties.