Changes to Heartland Bank fees From time to time Heartiand Bank reviews its fees Recently we have completed a eview and some of ther fees have changed. Please see below for a summary of the fee changes effective as of 23 August 2019. Fo more information and a ful fee schedudle go to www.heartland.co.a or call us on 0800 5 20 20 HEARTLAND BANK Consumer loans summary of fee changes Previous F dated $229 00 Fee Description Extablishment We w Fee (Dinect) change you this fee for procesing a new loan application made directly to us induding approval and acceptance $222 00 Establishment We will change you a fee for processing a new loan application via Fee Ontermediary) PPSR Fee Up tor $12000 Up tor $112 00 an intermedary, incuding ippeowal and acceptince We will change you this fee for negistration of out security ieteres $1000 in the Goods We wil charge you this fee you oerpay us and weeund you I10 35 Dend Fee S1600 s2000 Early Settlement Fee Statement Fee We will charge you the fee when a loanssettled in fu befone t final payment date 53900 23 00 We wi chage you ths fee we give y at your euest) an adatonal statemen we do not dunge you this fee for providing any six mony aements We will change you ths fee you or the guarantor assign or transfer any of your rights or obligons under your Agreement with our prir witten coment $5.00 $400 $22200 Tranafer Fee NJA ths fee has been- remoued) Varlation Fee We will change you this fee fwe agree you can make an $1900 unscheduled part pepayment of your Loan and we have to change the amounts and dates in the SCHEDUE OF PAYMENTS of you Ageement as a reult, or we agee to release our security inest in the Goods and subucitute it wth a seourity interest over other Goods Refinance Fee We will change you this fee we change to help you if you are having afficulty keeping up with your pyments or if you ant to change che term Dengthi of your Loan $22200 NIA thn fee has beem remouedh 1555 00 the serms of your Loan Repossesion We wil change you this fee t we hve to send you a epossesion 4000 Waning Notice Fee Dishonoured We will change you thi fee your bank dhonours a payment you $400 Payment Fe ke tous Repossession We will change you this fee we haue to instruct an agent to- Wat Fee pessess he Goods for eamgle due to overdue paymenes Rpossesion We will dange you ths fee t we have to repossess the Goods Fee Repossessed Vehicle Sales Fee warning Notce We usually do this 12-5 days after you have breached your Agreement leg overdue pavments S100 $13400 s9400 $s49 00 We will ourge you this fee we se the Goods We select the mthod of le in order so obeain the best price easonably obtainable for the Goods and the fee w offer depending on how the Goods are so as foows f we selt the Goods theough our outet, an a regihtered Actual Cost $770 00 motor vehicle brader I we sell the Goods in any other manne We wd dhange you this fee when you mke a payment on you |Loan ty debt card The fee for each payment wi be $0.36c phs |163% of the paymet amouet This fee wil be deducted from out payment when iismade Actul Cost Actuall Cot NA s isa $036 phus new service 6% of the payment amount Debit Cand Fee Personal loans summary of fee changes Prviou Fo edated Fee Fex Description Extablishment We wa change you a fee for proceing a new loan application ia $22200 Fee S154 00 intermedary, including approval and acceptance Dealerke We may change you a fee which we wll pay to any dealebeoker Introducernoducer who refers you to unin reation to the Loan Fee Uptor $12000 Up to $11200 Refund Fee We wil rge you ths fee you overpay un and we refund you$t600 1$20 00 Early We will charge you $2300 Settlement feal payen this fee when a loan settled inul befor s$4200 Fee Statement Fee We will charge you ths fee f we give you (at your request) an adstione statement.We do not charge you this fee for providing any tix monely tements $5.00 IS400 Variation Fee We w change you this fee we agree you can make an $13500 80 00 unscheduled part prepayment of your toan and wehave to change the amounts and dnes in the SCHEDULE OF PAYMENTS in he Commercial Te of your Agreement as ares Refinance Fee We will change you this fee twe change the berma of your Loan $22200 NA (this fee han been to help you if you are having diffioulty koeping up with your payments or if youant to change the term ength) of your Loan We wil change you this fee we hve to snd you a inde Letter We usually do this 15 days ater you hive breached your Agreement teg overdue payments remoued) 5800 Reminder Letter fee 56.00 Final Demand We wit change you this fee we have to send you a Final Demund Notice Fee $1500 s100 Notice We uuly do this e0 days ater a breached term jes oerdue paymento Dishonoured We will change you this fee your bank donours a payment you $400 Payment Feee to us Cebit Cand Fee $300 we wi change you this fee when you ke a payment on you Loan by debit cand. The fee for each payment wil be $0 36 plus 163% of the payment amouet This fee will be deducted from pment whenits made NJAhs 036 ps 43% of the payment amout new servic fees y be ohanged n accordance with your loan agreemet See your lon agreemene for more eformation Changes to Heartland Bank fees From time to time Heartiand Bank reviews its fees Recently we have completed a eview and some of ther fees have changed. Please see below for a summary of the fee changes effective as of 23 August 2019. Fo more information and a ful fee schedudle go to www.heartland.co.a or call us on 0800 5 20 20 HEARTLAND BANK Consumer loans summary of fee changes Previous F dated $229 00 Fee Description Extablishment We w Fee (Dinect) change you this fee for procesing a new loan application made directly to us induding approval and acceptance $222 00 Establishment We will change you a fee for processing a new loan application via Fee Ontermediary) PPSR Fee Up tor $12000 Up tor $112 00 an intermedary, incuding ippeowal and acceptince We will change you this fee for negistration of out security ieteres $1000 in the Goods We wil charge you this fee you oerpay us and weeund you I10 35 Dend Fee S1600 s2000 Early Settlement Fee Statement Fee We will charge you the fee when a loanssettled in fu befone t final payment date 53900 23 00 We wi chage you ths fee we give y at your euest) an adatonal statemen we do not dunge you this fee for providing any six mony aements We will change you ths fee you or the guarantor assign or transfer any of your rights or obligons under your Agreement with our prir witten coment $5.00 $400 $22200 Tranafer Fee NJA ths fee has been- remoued) Varlation Fee We will change you this fee fwe agree you can make an $1900 unscheduled part pepayment of your Loan and we have to change the amounts and dates in the SCHEDUE OF PAYMENTS of you Ageement as a reult, or we agee to release our security inest in the Goods and subucitute it wth a seourity interest over other Goods Refinance Fee We will change you this fee we change to help you if you are having afficulty keeping up with your pyments or if you ant to change che term Dengthi of your Loan $22200 NIA thn fee has beem remouedh 1555 00 the serms of your Loan Repossesion We wil change you this fee t we hve to send you a epossesion 4000 Waning Notice Fee Dishonoured We will change you thi fee your bank dhonours a payment you $400 Payment Fe ke tous Repossession We will change you this fee we haue to instruct an agent to- Wat Fee pessess he Goods for eamgle due to overdue paymenes Rpossesion We will dange you ths fee t we have to repossess the Goods Fee Repossessed Vehicle Sales Fee warning Notce We usually do this 12-5 days after you have breached your Agreement leg overdue pavments S100 $13400 s9400 $s49 00 We will ourge you this fee we se the Goods We select the mthod of le in order so obeain the best price easonably obtainable for the Goods and the fee w offer depending on how the Goods are so as foows f we selt the Goods theough our outet, an a regihtered Actual Cost $770 00 motor vehicle brader I we sell the Goods in any other manne We wd dhange you this fee when you mke a payment on you |Loan ty debt card The fee for each payment wi be $0.36c phs |163% of the paymet amouet This fee wil be deducted from out payment when iismade Actul Cost Actuall Cot NA s isa $036 phus new service 6% of the payment amount Debit Cand Fee Personal loans summary of fee changes Prviou Fo edated Fee Fex Description Extablishment We wa change you a fee for proceing a new loan application ia $22200 Fee S154 00 intermedary, including approval and acceptance Dealerke We may change you a fee which we wll pay to any dealebeoker Introducernoducer who refers you to unin reation to the Loan Fee Uptor $12000 Up to $11200 Refund Fee We wil rge you ths fee you overpay un and we refund you$t600 1$20 00 Early We will charge you $2300 Settlement feal payen this fee when a loan settled inul befor s$4200 Fee Statement Fee We will charge you ths fee f we give you (at your request) an adstione statement.We do not charge you this fee for providing any tix monely tements $5.00 IS400 Variation Fee We w change you this fee we agree you can make an $13500 80 00 unscheduled part prepayment of your toan and wehave to change the amounts and dnes in the SCHEDULE OF PAYMENTS in he Commercial Te of your Agreement as ares Refinance Fee We will change you this fee twe change the berma of your Loan $22200 NA (this fee han been to help you if you are having diffioulty koeping up with your payments or if youant to change the term ength) of your Loan We wil change you this fee we hve to snd you a inde Letter We usually do this 15 days ater you hive breached your Agreement teg overdue payments remoued) 5800 Reminder Letter fee 56.00 Final Demand We wit change you this fee we have to send you a Final Demund Notice Fee $1500 s100 Notice We uuly do this e0 days ater a breached term jes oerdue paymento Dishonoured We will change you this fee your bank donours a payment you $400 Payment Feee to us Cebit Cand Fee $300 we wi change you this fee when you ke a payment on you Loan by debit cand. The fee for each payment wil be $0 36 plus 163% of the payment amouet This fee will be deducted from pment whenits made NJAhs 036 ps 43% of the payment amout new servic fees y be ohanged n accordance with your loan agreemet See your lon agreemene for more eformation