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[SuPrince]

Heartland Interest Plus Checking Account

To earn the Bonus Rate, you must perform the following each cycle:

- Make at least 10 check card transactions
- Receive a monthly Electronic Statement
- One direct deposit or ACH Auto Debit
- Access Online Banking

Privileges received from Interest Plus Checking:

- Free ATM's Nationwide**
- Write as many checks each month without a per-check charge.
- Earn high-interest yields on your account
- No minimum balance
- No service charge
- Overdraft privilege available
- Free ATM or Visa check card
- Telephone Banking
- Free Internet Banking

* 5.06% Annual Percentage Yield (APY) paid on balances between 0.00 and $30,000.99, and 1.31% APY paid on all amounts above $30,000.99 each cycle the minimum requirements are met. If you do not meet the requirements during a given cycle, you will earn the Base Rate of 0.30% APY. Rates accurate as of April 9, 2008. We may change the interest rate and APY at any time after the account is opened. Fees could reduce earnings on the account. No minimum balance required. However, you must deposit a minimum of $100 to open this account. Available to personal accounts only. No monthly service charge. If you do not meet the requirements per cycle, your account will still function as a free checking account earning the Base Rate, however, it will not receive ATM Refunds for that time period.
** Unlimited ATM refunds if requirements are met.