Midland States Bank US Consumer Privacy Notice

Last updated: Thursday, July 31, 2025

Privacy Notice

WHAT DOES MIDLAND 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 transaction 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 Midland chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Midland 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	No
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

Mail the enclosed form
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.

Questions?

Call 1-855-696-4352
or visit www.midlandsb.com

Who We Are

Who is providing this notice?

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

What We Do

How does Midland 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. We also maintain other safeguards to protect this information and we limit access to employees for whom access is appropriate.

How does Midland collect my personal information?

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 credit or debit card

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.

Definitions

Term	Definition
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. Midland States Bancorp, Inc. (Holding Company) and Midland States Bank are affiliates. Our affiliates also include Midland Trust Company and Midland Wealth Advisors, LLC. Our affiliates may also include subsequently formed or acquired entities of a financial or nonfinancial nature.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Midland 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 other financial services companies such as credit card companies, online banking companies, payment processing and payment services companies

Term

Definition

Affiliates

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

Midland States Bancorp, Inc. (Holding Company) and Midland States Bank
are affiliates. Our affiliates also include Midland Trust Company and
Midland Wealth Advisors, LLC. Our affiliates may also include subsequently
formed or acquired entities of a financial or nonfinancial nature.

Nonaffiliates

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

Midland 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 other financial services companies such as credit card companies, online banking companies, payment processing and payment services companies

Other Important Information

Important information about phone calls, texts, prerecorded and email messages: If, at any time, you provide to
Midland, their affiliates or designees ("Midland Entities") contact numbers that are wireless telephone number(s) including,
but not limited to, cell or VoIP numbers, you are consenting to Midland Entities using an automated dialing system to call
or text you, or to send prerecorded messages to you, in order to service, and collect on, any Midland Entities personal
account(s) and business account(s) (for which you are an authorized signer, guarantor or designated contact person). For
any type of phone calls with Midland Entities, you consent that the call may be monitored or recorded for quality control
and training purposes. By providing your email address, you consent to receive electronic mail from Midland Entities.

In App location services: Our Online Banking Mobile Apps collect location data to enable services. Examples of these services include finding the
nearest branch or ATM, receiving location based offers, and getting notifications of exclusive branch services. Location
data is active when the app is closed or not in use and it is also used to support advertising.

For California Residents: Under California law, we will not share information we collect about you with companies outside
of our corporate family, unless the law allows. For example, we may share information with your consent or to service
your accounts. We will limit sharing among our companies to the extent required by California law.

For Vermont Residents: In accordance with Vermont law, we will not share information we collect about you with
companies outside of our corporate family, except as permitted by law, including for example, with your consent or to
service your account. We will not share information about your creditworthiness within our corporate family except with
your authorization or consent, but we may share information about our transactions or experience with you within our
corporate family without your consent.

For Nevada Residents: We are providing you this notice pursuant to Nevada law. If you prefer not to receive marketing
calls from us, you may be placed on our Internal Do Not Call List by calling us toll-free at 1-855-696-4352, or by writing
us at 1201 Network Centre Drive, Effingham, IL 62401. Nevada law requires we provide the following contact
information: Bureau of Consumer Protection, Office of the Nevada Attorney General 555 E. Washington Avenue, Suite
3900, Las Vegas, NV 89101; Phone Number 702-486-3132; email: aginfo@ag.nv.gov. For more information contact us
at: 1201 Network Centre Drive, Effingham, IL, 62401; Phone Number: 1-855-696-4352; click on "Contact Us" at
midlandsb.com/privacy-policy.

Mail-In Form to Limit Sharing

If you have a joint account, your choices will apply to everyone unless you specify otherwise below.

Mark any/all you want to limit:

☐ Do not share information about my creditworthiness with your affiliates for their everyday business purposes.
☐ Do not allow your affiliates to use my personal information to market to me.

Your Information:

Name: _______________________

Address: _____________________

City, State, ZIP: _______________

Mail to:
Midland States Bank
Attn: Privacy Policy
1201 Network Centre Drive
Effingham, IL 62401