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 darge you this fee when you ake apayment on your |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 you payment when tsmade Actual Cost Actul Cost NA s isa $036 phus new service 6% of the payment amount Debit Card Fee Personal loans summary of fee changes Pviou Fe dated NA $154.00 new fee Fex Description Fee Extablishment We w change you this fee for processing a new loan application Fee (Dinect)made directly to u indluding approval and acceptance Establiahment We wil charge you a fee for procesing a new loan application wia Up to Fee ntermodi n edary incuding prnd cpance Up to $11200 $12000 Refund Fee We wil rge you ths fee you overpay un and we refund you$t600 1$20 00 Early Settlement wcharge you ths feehen a nwed nu beos $4200 Fee Statement Fee $23 00 fal payment dabe We wil charge you thes 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 prepayiment of your toan and we have to dhange 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 dffioulty 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 We will change you this fee your bank dnonours a payment you e to us we will change you this fee when you mke a payment on your Loan by debit cand. The fee for each payment wil be $0 36 pls 163% of the payment amouet This fee will be deducted from wr payment when its made Dishonoured Payment Fee Debit Cand $400 $300 NJA hsis$036 pus new servic Fee 43% of the payment amount 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 darge you this fee when you ake apayment on your |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 you payment when tsmade Actual Cost Actul Cost NA s isa $036 phus new service 6% of the payment amount Debit Card Fee Personal loans summary of fee changes Pviou Fe dated NA $154.00 new fee Fex Description Fee Extablishment We w change you this fee for processing a new loan application Fee (Dinect)made directly to u indluding approval and acceptance Establiahment We wil charge you a fee for procesing a new loan application wia Up to Fee ntermodi n edary incuding prnd cpance Up to $11200 $12000 Refund Fee We wil rge you ths fee you overpay un and we refund you$t600 1$20 00 Early Settlement wcharge you ths feehen a nwed nu beos $4200 Fee Statement Fee $23 00 fal payment dabe We wil charge you thes 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 prepayiment of your toan and we have to dhange 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 dffioulty 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 We will change you this fee your bank dnonours a payment you e to us we will change you this fee when you mke a payment on your Loan by debit cand. The fee for each payment wil be $0 36 pls 163% of the payment amouet This fee will be deducted from wr payment when its made Dishonoured Payment Fee Debit Cand $400 $300 NJA hsis$036 pus new servic Fee 43% of the payment amount fees y be ohanged n accordance with your loan agreemet See your lon agreemene for more eformation