Heartland State Bank offers a variety of deposit accounts designed to fill your needs. All depositors are protected up to $250,000 by the FDIC.

Checking: With all of our accounts, we offer images of your checks. Access these accounts worldwide with a free ATM card or make purchases anywhere Visa credit cards are accepted by using a Visa Checkcard from Heartland State Bank. We offer accurate and dependable service from the bank that truly believes in hometown banking with our neighbors and friends.

Liberty Checking: This account is available to all of our customers. It has no monthly maintance charges and no per check charges with no minimum balance.

Super Now Account: This account pays a higher rate of interest with a minimum balance of $2,500. There are no monthly fees or per check charges unless your account falls below the minimum balance when a $6.00/month fee is charged.

Now Account: This is an interest bearing checking account that pays a competitive interest rate with a low minimum balance of only $850. There are no monthly fees or per check charges unless your account falls below the minimum balance when a $6.00/month fee is charged.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.