Changes to Heartland Bank fees From time to time Heartland Bank reviews its fees Recently we have completed a review and some of the fees have changed. Pease see below for a summary of the fee changes effective as of 23 August 2019. Fo more information and a ful fee schedule go to www.heartland.comor call us on o800 85 20 20 HEARTLAND BANK Consumer loans summary of fee changes Deserption Fee Prvioen Fobdated Extablishment We will change you this fee for processing a new loan application Fee (Dinect) 5222 00 $229 00 made directly to u indluding approval and acoeptance Evtablishment We will change you a fee for processing a new loan application wUp to Fee ntermediary) Up tor S11200 an intenmedary, includng approwal and acceptunce $12000 PPSR Fee We will change you this fee for registration of out security ieterest in the Goods $1000 $10 35 Dend Fee We will harge you this fee you oerpay us and weselund you $2000 $16004 Early Settlement Fee Statement Fee We will tharge you this fee when a loan settled in fu befone final payment date 539.00 $23 00 We w oange you this fee we give you (at your equest ne adatonal statemevt We de not dange you thes fee for providing any sixmoney aments 55.00 $400 Transfer Fee 5222 00 NA this fee has been- remoued) We wil thange you this fee you or the guantor assign o transfer any of your rights or obligations under your Agreement wh our prior witten comsent Varlation Fee We wi change you this fee fwe agree you can mke an S1900 unscheduled part ppayment of your Ltoan and we have to change the amounts and dats in the SCHEDULE OF PAYMENTS of your Ageement as a reut. or we agee to release our security nest in the Goods and subtute it with aeourty interest over other Goods We will thange you ths foe we change the berms of your Loan to help you if you are having dficulty keeping up with your pyments or if you want to change the term Dength) of your Loan We wil change you this fee we hve to send you a epossesion Warning Notice We usually 60ths 12-15 days ater vou have breached your Agreomnt leg overdue payments We wl change you thi fee your bank dhonours a payment you ke to u We wi change youu this fee we hae to instruct an agent to possess the Goods or eamgle due to overdue paymene We wil dange you th fee t we have to repossess the Goods Reinance Fee $22200 NA thn fee has beem removeds 55500 Repossesion Waning Notice Fee $4000 Dishonoured Payment Fee Repossession Wast Fee Repossesion Fee Repossessed Vehicle Sales Fee $400 S100 594 00 $13400 S9400 $s00 We will charge you this fee we se the Goods We select the ethod of sale in order to oecain the best price easonal obtainable for the Goods and the fee w offer depending on how the Goods are sod an flow fwe sell the Goods theough our outet, an a registered Actual Cost $77000 motor vehicle bader If we sell the Goods in any other manne We wd dange you this fee when you mke apaymet on your toan ty debit cand. The fee for each payment wi be $0.36c phs |163 % of the paymet amount This fee wil be deducted from your payment whenitamade Actual Cost Actual Cont NAs is$0 36 plus new service t.63% of the paywent amount Debit Card Fee Personal loans summary of fee changes Pviou Fo edated Fee Fex Description Extsblishment We wd thange you a fee for processing a new loan application a $22 00 Fee $15400 n intermedary, includng approwal and acoeptance DealerkeWe may change you a fee which we wil pay to any dealebeokerUp tsr Introducernoducer who refers you to usin relation to the Loan. Fee $11200 $12000 Refund Fee We wil tharge you this fee you overpay un and we refund you $1600 $2000 Early We will charge y date $23 00 Settiement feal payme this foe when a loin s wttled in u befo ts$4200 Fee Statement Fee We will charge you this fee we give you (et your sequest) an adstiona statement.We do not change you ths fee for providing any tix monthly uemeets $5.00 $400 Variation Fee We w change you this fee we agree you can make an S13500 80 00 unscheduled part pepayment of your Loan and ae have to change the amouets and dnes in the SCHEDULUE OF PAYMENTS in the Commercial Ses of your Agreement as ares Refinance Fee We will change you this fee twe change the berms of your Loan $22200 NA this fee han been to hep you if you are having difficulty koeping up with your payments or if you want to change the term ength af your Loan We will change you this fee we have too semd you a Reminder Leeter We unuly do this 15 days ater you have breached your Agreement teg overdue payments) remoued) 00 Reminder Letter Fee 56.00 Final Demand We wit cunge you this fee Notice Fee we hve to send you a Final Demund $1500 s100 Notice Wealy do this 60 das after a breached term le emdu payments Dshonoured We will change you thea fee your bank donours a payment you $400 Payment Feeke to us Debit Cand $300 we wi change you this fee when you mke a payment on your Loan ty debit cand. The fee for each payment wi be $0 36k pls 16% of the payme amouet This fee wil be deducted from yu pyment whenitmade NJAsis$036c ps new service)t3% of he payment amout Fee fees my be changed n accordance with your loan agreement See your lon agreemene for more eformation Changes to Heartland Bank fees From time to time Heartland Bank reviews its fees Recently we have completed a review and some of the fees have changed. Pease see below for a summary of the fee changes effective as of 23 August 2019. Fo more information and a ful fee schedule go to www.heartland.comor call us on o800 85 20 20 HEARTLAND BANK Consumer loans summary of fee changes Deserption Fee Prvioen Fobdated Extablishment We will change you this fee for processing a new loan application Fee (Dinect) 5222 00 $229 00 made directly to u indluding approval and acoeptance Evtablishment We will change you a fee for processing a new loan application wUp to Fee ntermediary) Up tor S11200 an intenmedary, includng approwal and acceptunce $12000 PPSR Fee We will change you this fee for registration of out security ieterest in the Goods $1000 $10 35 Dend Fee We will harge you this fee you oerpay us and weselund you $2000 $16004 Early Settlement Fee Statement Fee We will tharge you this fee when a loan settled in fu befone final payment date 539.00 $23 00 We w oange you this fee we give you (at your equest ne adatonal statemevt We de not dange you thes fee for providing any sixmoney aments 55.00 $400 Transfer Fee 5222 00 NA this fee has been- remoued) We wil thange you this fee you or the guantor assign o transfer any of your rights or obligations under your Agreement wh our prior witten comsent Varlation Fee We wi change you this fee fwe agree you can mke an S1900 unscheduled part ppayment of your Ltoan and we have to change the amounts and dats in the SCHEDULE OF PAYMENTS of your Ageement as a reut. or we agee to release our security nest in the Goods and subtute it with aeourty interest over other Goods We will thange you ths foe we change the berms of your Loan to help you if you are having dficulty keeping up with your pyments or if you want to change the term Dength) of your Loan We wil change you this fee we hve to send you a epossesion Warning Notice We usually 60ths 12-15 days ater vou have breached your Agreomnt leg overdue payments We wl change you thi fee your bank dhonours a payment you ke to u We wi change youu this fee we hae to instruct an agent to possess the Goods or eamgle due to overdue paymene We wil dange you th fee t we have to repossess the Goods Reinance Fee $22200 NA thn fee has beem removeds 55500 Repossesion Waning Notice Fee $4000 Dishonoured Payment Fee Repossession Wast Fee Repossesion Fee Repossessed Vehicle Sales Fee $400 S100 594 00 $13400 S9400 $s00 We will charge you this fee we se the Goods We select the ethod of sale in order to oecain the best price easonal obtainable for the Goods and the fee w offer depending on how the Goods are sod an flow fwe sell the Goods theough our outet, an a registered Actual Cost $77000 motor vehicle bader If we sell the Goods in any other manne We wd dange you this fee when you mke apaymet on your toan ty debit cand. The fee for each payment wi be $0.36c phs |163 % of the paymet amount This fee wil be deducted from your payment whenitamade Actual Cost Actual Cont NAs is$0 36 plus new service t.63% of the paywent amount Debit Card Fee Personal loans summary of fee changes Pviou Fo edated Fee Fex Description Extsblishment We wd thange you a fee for processing a new loan application a $22 00 Fee $15400 n intermedary, includng approwal and acoeptance DealerkeWe may change you a fee which we wil pay to any dealebeokerUp tsr Introducernoducer who refers you to usin relation to the Loan. Fee $11200 $12000 Refund Fee We wil tharge you this fee you overpay un and we refund you $1600 $2000 Early We will charge y date $23 00 Settiement feal payme this foe when a loin s wttled in u befo ts$4200 Fee Statement Fee We will charge you this fee we give you (et your sequest) an adstiona statement.We do not change you ths fee for providing any tix monthly uemeets $5.00 $400 Variation Fee We w change you this fee we agree you can make an S13500 80 00 unscheduled part pepayment of your Loan and ae have to change the amouets and dnes in the SCHEDULUE OF PAYMENTS in the Commercial Ses of your Agreement as ares Refinance Fee We will change you this fee twe change the berms of your Loan $22200 NA this fee han been to hep you if you are having difficulty koeping up with your payments or if you want to change the term ength af your Loan We will change you this fee we have too semd you a Reminder Leeter We unuly do this 15 days ater you have breached your Agreement teg overdue payments) remoued) 00 Reminder Letter Fee 56.00 Final Demand We wit cunge you this fee Notice Fee we hve to send you a Final Demund $1500 s100 Notice Wealy do this 60 das after a breached term le emdu payments Dshonoured We will change you thea fee your bank donours a payment you $400 Payment Feeke to us Debit Cand $300 we wi change you this fee when you mke a payment on your Loan ty debit cand. The fee for each payment wi be $0 36k pls 16% of the payme amouet This fee wil be deducted from yu pyment whenitmade NJAsis$036c ps new service)t3% of he payment amout Fee fees my be changed n accordance with your loan agreement See your lon agreemene for more eformation