THIS DISCLOSURE NOTICE CONTAINS IMPORTANT
INFORMATION ABOUT HEARTLAND AREA FEDERAL CREDIT UNIONíS CLOSED END-CREDIT
LOANS. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.
Terms Subject to Change. The rates
contained herein are effective as of . However, the terms described
in this disclosure are subject to change at any time. If, prior to your signing
the loan documents, any of these terms have changed (other than the annual
percentage rate) and you decide, as a result, not to obtain a loan from us, you
would be entitled to a refund of any fees that you paid in connection with your
Terms of Repayment. Interest rates for
closed end credit are fixed. The terms of repayment for the currently published
interest rates are as listed above.
Complete Disclosure Information
Your savings Federally insured to at least $250,000
and backed by the full faith and credit of the United States Government.
National Credit Union Administration,
a U.S. Government Agency.
We do business in accordance with the
Federal Fair Housing Law and the
Equal Credit Opportunity Act.