Ohio Homebuyer Plus Program

^{[1] APY = Annual Percentage Yield. This is a variable rate account. Rates are subject to change after account opening. $100 minimum to open the account. There is a maximum contribution limit of $100,000. Account duration is limited to 5 years.}

^{[2] To receive the up-to $500 matching bonus, a total of at least $100 must remain in the account for 90 days following account opening. At the end of the 90 days, you will be eligible for a matching deposit of up to $500, based on the amount in the account on the 90th day. Deposit will be made into your Homebuyer Plus account within 10 business days after the requirements have been met. Account must be in good standing at time of payout. Match example: An account with $300 meeting the requirements will receive a matching deposit of $300. An account with a balance greater than $500 meeting the requirements will receive the maximum matching bonus of $500.  Limit one bonus per social security number. Offer valid on first Homebuyer Plus account opened at Heartland Bank. Bonus payout may be taxable as interest income and reported on IRS Form 1099-INT. Consult your tax advisor. Heartland Bank reserves the right to change or discontinue this offer at any time. Available for a limited time.}

^{[3] A credit of up to $1000 will be applied - at closing and not before - towards eligible closing costs on a first position mortgage originated at Heartland Bank for a new home purchase. Offer valid for Ohio Homebuyer Plus (OHP) Savings Account customers only. To receive the up-to $1000 credit, the following conditions must be met: 1) OHP savings account must be open for a minimum of 90 days and must carry a balance of at least $100; 2) Borrower must open a Heartland Bank checking account with auto-deduct at or before loan closing. $25 minimum deposit required to open a Heartland Checking account . The credit cannot exceed actual closing cost available or maximum interested party contributions and cannot be used to fund any portion of the down payment or financial reserve requirements. OHP account must be open at Heartland Bank at the time of mortgage origination to be eligible for the closing cost credit. One OHP closing cost credit per mortgage loan. One OHP lifetime closing cost credit per household, future newly opened OHP accounts are not eligible for the closing cost credit. The credit has no cash value, unused funds will be forfeited. Subject to creditworthiness and eligibility. We reserve the right to change or discontinue this offer at any time. Available for a limited time.}

^{*Please consult a tax advisor regarding individual circumstances and potential federal tax implications, or the Internal Revenue Service.}