IMPORTANT INFORMATION AFFECTING YOUR CHECKING ACCOUNT

Under new federal regulations that will take effect August 15, 2010, Heartland Business Bank will no longer be able authorize overdrafts on your PERSONAL checking accounts for the following transactions, unless you give us your permission by Opting-In.

• ATM withdrawals and transfers
• One-time debit card transactions

If you opt-in and one of these transactions overdraws your account, Heartland Business Bank may pay the transaction. If we do so, we will follow our standard overdraft policy. If you do not opt-in to this program, and you try to make transactions when you do not have sufficient funds, we generally will decline the transaction.

To learn more please click on the OPT IN button.