Interest-bearing Accounts. We reserve the right to require at least seven days written notice before any withdrawal or transfer from this account.

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1 RULES & REGULATIONS APPLICABLE TO ALL HEARTLAND BANK PRODUCTS & SERVICES Effective July 21, Member FDIC Rules & Regulations DEPOSITORY AGREEMENT The following printed terms will govern the operations of this account, unless clearly varied in writing or typing on this form or in a separate written agreement. "We," "our," or "us" means the depository institution, and "you" means the account holder(s). This agreement includes your promise to pay charges and your permission for us to deduct these charges we may impose for services you request which are not contemplated by this agreement. Each of you agrees to be jointly and severally liable for any account deficit resulting from charges or overdrafts, whether caused by you or another authorized person to withdraw from this account, together with the costs we incur to collect the deficit including, to the extent permitted by law, our reasonable attorney's fees. This agreement incorporates clearinghouse rules and state and federal law, except to the extent that this agreement can and does vary such rules or laws. DEPOSITS Any non-cash items tendered for deposit (including items drawn "on us") will be given provisional credit only until collection is final. We are not responsible for transactions initiated by mail or outside depository until we actually record them. INTEREST We cannot and do not guarantee any particular rate or method of determining the rate for a period of time more than one week. We reserve the right to change the rate, the penalty rate and the methods or conditions for either upon reasonable notice to you as provided in the paragraph on AMENDMENTS and TERMINATION. WITHDRAWALS Any one of you who signs may withdraw or transfer all or any part of the account balance at any time on forms approved by us. Each of you authorizes each other person signing this form to endorse any item payable to you or your order for deposit to this account or any other transaction with us. We reserve the right to refuse any withdrawal or transfer request which is for an amount less than any minimum withdrawal or exceeds any frequency limitations. Repeated abuse of the stated limitations may eventually force us to close this account. We will use the date a transaction is completed by us (as opposed to the day you initiate it) to apply the frequency limitations. Interest-bearing Accounts. We reserve the right to require at least seven days written notice before any withdrawal or transfer from this account. OWNERSHIP of ACCOUNT The following provisions explain the rules applicable to this account, depending on the form of ownership specified. Individual Account: Such an account is issued to one person who does not intend to create any ownership rights in any other person. Joint Account with Survivorship: Such an account is issued to two or more persons. Each of you intends that upon your death the balance in the account will belong to the survivor(s). If two or more of you survive, you will own the balance in the account as joint tenants with survivorship. Joint Account - No Survivorship: Such an account is issued to two or more persons, but none of you intend to create any right of survivorship in any other person. Trust Account and Pay-On-Death Account: The person creating either of these account types intends that any named beneficiary acquires the right to withdraw from this account only if (1) the person creating the account dies, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of the person creating the account, such beneficiaries will own this account in equal shares, without any right of survivorship. The person creating either of these account Page 1

2 types reserves the right to (1) change beneficiaries; (2) change account types; and (3) withdraw all or part of the deposit at any time during his or her lifetime. Corporate, Partnership, Sole Proprietorship and Other Organizational Accounts: We reserve the right to require the governing body of the legal entity to give us a separate authorization resolution telling us who is authorized to act on its behalf. We will not honor such an authorization until we actually receive written notice of a change from the governing body. ACCOUNT TRANSFER This account may not be transferred or assigned without our written consent. DORMANT ACCOUNT We shall consider accounts dormant when there has been no activity as follows: (1) DDA accounts - 12 months; (2) Savings accounts - 24 months. A fee shall be assessed on all dormant accounts, as specified in our Products and Services Guide. Interest is not considered account activity. AMENDMENTS and TERMINATION We may amend these rules and schedule of charges at any time, upon reasonable notice to you, by posting notice of the changes in our building, enclosing notice in a statement for this account or mailing notice to you. We may also close this account at any time by giving notice and mailing the account balance to you. Notice from us to any one of you is notice to all of you. STOP PAYMENTS We will honor a stop payment request by the person who signed the particular item and by any other person having the right to withdraw from this account equal to or greater than the person signing the particular item. To be effective, a stop payment order must be received in time to give us a reasonable opportunity to act on it, and must precisely identify the number, date, amount of the item and the payee. STATEMENTS If you do not notify us of an unauthorized signature or alteration within a reasonable time (not to exceed 14 days) after we send or make available to you your statement and items: (1) you cannot assert the unauthorized signature or alteration against us, even if we are unable to show a loss due to your failure and, (2) you cannot assert any unauthorized signatures or alterations by the same wrongdoer on items paid by us after the reasonable time mentioned above elapses, but before we receive your notice. We lose these protections if we fail to exercise ordinary care in paying an item with an unauthorized signature or alteration, unless you do not notify us of the problem within 60 days of when we send or make available to you the statement and items. You must also report any other account problem within this 60- day period or lose your right to assert the problem against us. DIRECT DEPOSITS If, in connection with a direct deposit plan, we deposit any amount in this account which should have been returned to the federal government for any reason, you authorize us to deduct the amount of our liability to the federal government from this account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability. SET-OFF You agree that we may (without prior notice, except as prohibited by law) set-off the funds in this account against any debt owed us now or in the future, by any of you having the right of withdrawal, subject to any limit on the right of withdrawal from this account by such person or legal entity. This right of set-off does not apply to this account if: (1) it is an IRA or tax-deferred retirement account; or, (2) the debt is created by a consumer credit transaction under a credit card plan; or, (3) the debtor's right of withdrawal arises only in a representative capacity. YOUR ABILITY to WITHDRAW FUNDS Our policy is to make funds from your deposit available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written. For determining the availability of your deposit, every day is a business day, except Saturdays, Sundays and federal holidays. If you make a deposit before the applicable cut-off time on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the applicable cut-off time on a day that we are not open or on a Saturday, we will consider that the deposit was made on the next business day we are open. The applicable cut-off time is the close of business, Monday - Friday, for each banking office. LONGER DELAYS MAY APPLY In some cases we will not make all of the funds that you deposited by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the date of your deposit. However, the first $ of your deposits will be available on the first business day. Page 2

3 If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you make a deposit at a non-heartland Bank ATM, we will place a five-day hold on your deposit. Please ask our Branch Representative for the Heartland Bank ATM nearest you or see back cover. If you will need funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: We believe a check you deposit will not be paid. You deposit checks totaling more than $5, on any one day. You redeposit a check that has been returned unpaid. You have overdrawn your account repeatedly in the last six months. There is an emergency, such as a failure of communications of computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the date of your deposit. SPECIAL RULES for NEW ACCOUNTS If you are a new customer, the following special rules apply during the first 30 days your account is open: Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire-transfers and the first $5, of a day's total deposits of cashier's, certified, teller's, traveler's and federal, state and local government checks will be available on the first business day after the date of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you. The excess of $5, will be available on the ninth business day after the date of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5, will not be available until the second business day after the date of your deposit. Funds from all other check deposits will generally be available on the ninth business day after the date of your deposit. ELECTRONIC FUNDS TRANSFER DISCLOSURE STATEMENT 1. DISCLOSURE of CUSTOMER'S LIABILITY for UNAUTHORIZED TRANSFERS and DISCLOSURE of ADVISABILITY of PROMPT REPORTING Tell us AT ONCE if you believe your card or Personal Identification Number (PIN) has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit, if applicable). If you tell us within two business days, you can lose no more than $50.00 if someone used your card or PIN without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card or PIN, and we can prove we could have stopped someone from using your card or PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us on time. If a valid reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. 2. DISCLOSURE of TELEPHONE NUMBER and ADDRESS TO BE NOTIFIED IN EVENT OF UNAUTHORIZED TRANSFER If you believe your card or PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write the nearest Heartland Bank office listed in this booklet. 3. DISCLOSURE of WHAT CONSTITUTES a BUSINESS DAY of HEARTLAND BANK Our business days are Monday through Friday. Holidays are not included. 4. DISCLOSURE of TYPES of AVAILABLE TRANSFERS and LIMITS ON TRANSFERS A. Account Access. You may use your card and PIN to: 1. Withdraw cash from your checking and savings accounts. 2. Make deposits to your checking or savings accounts. Page 3

4 3. Transfer funds between your checking and savings accounts. 4. Pay for purchases at places that have agreed to accept the card and PIN. Some of these services may not be available at all terminals. In addition, you may: 5. Authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to: (a) pay for purchases, (b) pay bills. 6. Access your account through your authorization of web-related transactions. B. Limitations on Dollar Amounts of Transfers. Certain limits exist on the amounts which may be drawn from different terminals each day, provided sufficient available balances exist in your account. C. ACH. By prior written agreement with a third party, you may authorize access to your accounts by account number through an Automated Clearing House or other electronic means and permit such party to: 1. Withdraw funds from your checking or savings accounts. 2. Transfer funds from your checking or savings accounts. 3. You may make no more than six (6) transfers or withdrawals from your savings account per statement cycle. D. Telephone Banking and Internet Banking. You have access to your accounts 24-hours a day by using your touch-tone telephone and PIN. You also have access to your accounts 24-hours a day by using our Internet Banking Service and your login. 1. You may request information about the balance(s) and/or activity on your checking, savings or loan account(s). 2. You may transfer funds or make loan payments between accounts which have been approved by us for this purpose. 3. Through Internet Banking you may pay bills directly from your checking account in the amount and on the days you request. 4. Limitations: a. You must have enough available funds in your account to complete the transfer or payment transaction(s). b. Transactions performed after the close of business Monday through Friday will be considered to have been done on the next business day we are open. For this purpose every day is a business day, except Saturdays, Sundays and federal holidays. c. If the account from which you are making the transaction is a Savings Account, Money Maker Saving Account or Founders Plus Money Market Savings Account, you may make no more than six (6) transfers or withdrawals (including, but not limited to those made by ACH, telephone or wire) per month or monthly statement period. 5. DISCLOSURE of CHARGES for TRANSFERS A. You have unlimited ATM transactions at all Heartland Bank ATM locations and at ATM's displaying the MoneyPass logo. B. If you use your card and PIN at an non-heartland Bank ATM in the Pulse or Fastbank networks, the charges will be as follows: $1.00 per transaction for (1) withdrawal of cash; (2) transfer of funds; or, (3) balance inquiry from your checking or savings account. For deposits to your checking or savings account, the fee is $1.50 per transaction. C. If you use your card and PIN at a PLUS System ATM, the charge is $2.00 per transaction for (1) withdrawal of cash; (2) transfer of funds; or, (3) balance inquiry from your checking or savings account. D. If you use your card and PIN at a non-heartland Bank ATM, a fee may be imposed by the operator of that ATM, and you may also be charged a fee by any national, regional or local network utilized to effect the transaction. E. There are no charges at this time for our point-of-sale transfer service. 6. DISCLOSURE of ACCOUNT INFORMATION to THIRD PARTIES We will disclose information to third parties about your account or the transfer you make: A. Where it is necessary for completing transfers; or B. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or Page 4

5 C. In order to comply with government agency or court orders, or D. If you give us written permission. 7. DISCLOSURE of RIGHT to RECEIVE DOCUMENTATION of TRANSFERS A. You can get a receipt at the time you make a transfer to or from your account using one of our ATMs or point-of-sale terminal. B. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call the nearest Heartland Bank office listed in this booklet to find out whether or not the deposit has been made. C. You will get a monthly account statement, unless there are no transfers in a particular month. In any case, you will get the statement at least quarterly. D. The only possible electronic fund transfers to a passbook account are preauthorized credits. If you bring your passbook to us, we will record any electronic deposits that were made to your account since the last time you brought in your passbook. 8. DISCLOSURE of RIGHT to STOP PAYMENT of PREAUTHORIZED TRANSFERS, PROCEDURE FOR DOING SO, RIGHT TO RECEIVE NOTICE of VARYING AMOUNTS and FINANCIAL INSTITUTION'S LIABILITY for FAILURE to STOP PAYMENT A. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here's how: call or write the nearest Heartland Bank office listed in this booklet, in time for us to receive your request three business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. We will charge you our normal account stop-payment charge for each payment order you give. B. If these regular payments may vary in amount, the person you are going to pay will tell you 10 days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set. C. If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. 9. DISCLOSURE of FINANCIAL INSTITUTION'S LIABILITY for FAILURE to MAKE TRANSFERS If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance: A. If, through no fault of ours, you do not have enough money in your account to make the transfer. B. If the transfer would go over the credit limit on your overdraft line. C. If the ATM where you are making the transfer does not have enough cash. D. If the terminal or system was not working properly, and you knew about the breakdown when you started the transfer. E. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken. F. There may be other exceptions stated in our agreement with you. In addition to the preceding disclosures, following is further information regarding the specific use of your VISA Check Card: A. You may use your Heartland Bank VISA Check Card as follows: 1. Pay for purchases at VISA merchants by accessing your primary checking account. However, a receipt may not be made available to you for a transaction of $15.00 or less. 2. Withdraw cash from your primary checking account at financial institutions participating in the VISA system. The financial institution is a VISA merchant for this purpose. 3. You may use your card and PIN at an electronic point- of-sale (POS) terminal to perform the transactions listed below, depending upon the location and type of POS terminal you use: a. Purchase goods or services from the merchant at which the POS terminal is located by accessing your primary checking account. Page 5

6 b. Withdraw cash from your primary checking account in connection with purchases from a merchant at which the POS terminal is located. c. Make balance inquiries on your primary checking account. 4. Withdraw cash from any of the following accounts which have been selected by customers and pre-approved for such withdrawals by Heartland Bank: a. Statement Savings Account; b. Money Maker Savings Account (MMSA); c. Checking Account; or d. any other account approved by Heartland Bank 5. Make deposits to any of the accounts described in 4. above. 6. Transfer funds between any of the accounts described above. 7. Request information concerning your balance(s) held in any of the accounts described in 4. above. B. The following limitations apply to VISA Check Card services: 1. You must have enough money available or credit in your account to complete the transaction, or overdraft fee(s) will be assessed. 2. For security reasons we have established limits on the dollar amount and frequency of purchase transactions. We reserve the right to change these limits from time to time. ELECTRONIC FUND TRANSFER ERROR RESOLUTION STATEMENT 1. IN CASE of ERRORS or QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS Call or write your nearest Heartland Bank office as soon as you can, if you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appears. A. Tell us your name and account number. B. Describe the error or the transfer you are unsure about, and explain it as clearly as you can why you believe it is an error or why you need more information. C. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and do not receive it within 10 business days, we may not credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. If we decide there was an error, we will correct the error within one day after the decision and notify you. 2. SPECIAL RULES for POINT-OF-SALE (POS) TRANSACTIONS If a problem concerns a point-of-sale (POS) transaction, we will tell you the results of our investigation within 10 days after we hear from you and will correct any error promptly. However, if this error occurs within 30 days after the first deposit was made to the account, we will tell you the results of our investigation within 20 days after we hear from you and will correct any error promptly. In either case if we need more time, however, we may take up to 90 days to investigate your complaint or questions. All other error resolution rules remain the same. Page 6

7 Heartland Bank Office Locations Toll Free: LICKING COUNTY: Croton 12 N. Main St., Croton, Ohio Johnstown 730 W. Coshocton St., Johnstown, Ohio Newark 44 West Locust St., Newark, Ohio FRANKLIN COUNTY: Capitol Square 65 East State Street, Columbus, Ohio Dublin 6500 Frantz Rd., Dublin, Ohio Friendship Village of Dublin 6000 Riverside Drive, Dublin, Ohio Gahanna 850 N. Hamilton Rd., Gahanna, Ohio Grove City 2365 Old Stringtown Rd., Grove City, Ohio Reynoldsburg 6887 E. Main St., Reynoldsburg, Ohio Stygler Road 67 N. Stygler Road, Gahanna, Ohio West Columbus 130 N. Wilson Rd., Columbus, Ohio Westerville 450 S. State St., Westerville, Ohio All locations have ATMs. The ATMs at Friendship Village and Newark are cash dispensing only. Other Heartland Offices Corporate Office 850 N. Hamilton Rd., Gahanna, Ohio Operations Center 850 N. Hamilton Rd., Gahanna, Ohio Investment Center 450 S. State St., Westerville, Ohio Member FDIC Page 7

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