Savings Accounts   Want a little more interest flexibility with your money? Or maybe just saving for the Christmas Holidays or a rainy day. Check out Heartland Bank for versatile savings options. Quick Overview of Available Savings Accounts: Regular Savings - An account to save for those unexpected expenses. Money Market - A money market with high interest earnings while allowing easy access. Platinum Money Market - A money market with the freedom of check writing and higher interest earnings. Christmas Club - A traditional savings account for that important time of year. Certificate of Deposit - Our certificates have varying maturities (3 months to 5 years) and the A.P.Y. (annual percentage yield) varies depending on the deposit amount and the selected maturity. IRA’s - Individual retirement accounts that offer you high yielding rates for your retirement planning. Refer to account disclosure for terms and conditions.   Minimum Opening Balance: $25.00 Interest: Yes Features/Benefits: Direct Deposit Other Fees: $2.00 service charge if daily balance drops below $25.00   Minimum Opening Balance: $1,000.00 Monthly Service Fees: $5.00 a statement cycle if account falls below $450 Interest: Yes Check Return Option: N/A Features/Benefits: Six pre-authorized withdrawals allowed Direct Deposit Free first year safe deposit box (limited to certain sizes) Other Fees: None   Minimum Opening Balance: $1,000.00 Monthly Service Fees: $15.00 a statement cycle if account falls below $10,000 Interest: Yes - Tiered interest rates to maximize savings potential Check Return Option: Free Check Imaging Features/Benefits: First 40 checks are provided at no cost Direct Deposit Free first year safe deposit box (limited to certain sizes) Other Fees: If debits exceed three per month, $7.50 will be charged for each additional one.   Minimum Opening Balance: $10.00 Interest: Yes Features/Benefits: Check issued for entire balance on November 1st of each year Other Fees: None

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