



               <!--.              ,--,                                    ____                          ___
              /. ./|            ,--.'|                                  ,'  , `.                      ,--.'|_
          .--'.  ' ;            |  | :                  ,---.        ,-+-,.' _ |                      |  | :,'     ,---.
         /__./ \ : |            :  : '                 '   ,'\    ,-+-. ;   , ||                      :  : ' :    '   ,'\
     .--'.  '   \' .    ,---.   |  ' |       ,---.    /   /   |  ,--.'|'   |  ||    ,---.           .;__,'  /    /   /   |
    /___/ \ |    ' '   /     \  '  | |      /     \  .   ; ,. : |   |  ,', |  |,   /     \          |  |   |    .   ; ,. :
    ;   \  \;      :  /    /  | |  | :     /    / '  '   | |: : |   | /  | |--'   /    /  |         :__,'| :    '   | |: :
     \   ;  `      | .    ' / | '  : |__  .    ' /   '   | .; : |   : |  | ,     .    ' / |           '  : |__  '   | .; :
      .   \    .\  ; '   ;   /| |  | '.'| '   ; :__  |   :    | |   : |  |/      '   ;   /|           |  | '.'| |   :    |
       \   \   ' \ | '   |  / | ;  :    ; '   | '.'|  \   \  /  |   | |`-'       '   |  / |           ;  :    ;  \   \  /
        :   '  |--"  |   :    | |  ,   /  |   :    :   `----'   |   ;/           |   :    |           |  ,   /    `----'
         \   \ ;      \   \  /   ---`-'    \   \  /             '---'             \   \  /             ---`-'
          '---"        `----'               `----'                                 `----'



                                                                          ___       ,---,
          ,---,              ,--,                                       ,--.'|_   ,--.' |       ,--,
        ,---.'|    ,---.   ,--.'|          ,---,                        |  | :,'  |  |  :     ,--.'|          ,---,
        |   | :   '   ,'\  |  |,       ,-+-. /  |   ,----._,.           :  : ' :  :  :  :     |  |,       ,-+-. /  |   ,----._,.   .--.--.
        |   | |  /   /   | `--'_      ,--.'|'   |  /   /  ' /         .;__,'  /   :  |  |,--. `--'_      ,--.'|'   |  /   /  ' /  /  /    '
      ,--.__| | .   ; ,. : ,' ,'|    |   |  ,"' | |   :     |         |  |   |    |  :  '   | ,' ,'|    |   |  ,"' | |   :     | |  :  /`./
     /   ,'   | '   | |: : '  | |    |   | /  | | |   | .\  .         :__,'| :    |  |   /' : '  | |    |   | /  | | |   | .\  . |  :  ;_
    .   '  /  | '   | .; : |  | :    |   | |  | | .   ; ';  |           '  : |__  '  :  | | | |  | :    |   | |  | | .   ; ';  |  \  \    `.
    '   ; |:  | |   :    | '  : |__  |   | |  |/  '   .   . |           |  | '.'| |  |  ' | : '  : |__  |   | |  |/  '   .   . |   `----.   \
    |   | '/  '  \   \  /  |  | '.'| |   | |--'    `---`-'| |           ;  :    ; |  :  :_:,' |  | '.'| |   | |--'    `---`-'| |  /  /`--'  /
    |   :    :|   `----'   ;  :    ; |   |/        .'__/\_: |           |  ,   /  |  | ,'     ;  :    ; |   |/        .'__/\_: | '--'.     /
     \   \  /              |  ,   /  '---'         |   :    :            ---`-'   `--''       |  ,   /  '---'         |   :    :   `--'---'
      `----'                ---`-'                  \   \  /                                   ---`-'                  \   \  /
                                                     `--`-'                                                             `--`-'


                                                                                             ___       ,--,
          ,---,   ,--,      .--.,    .--.,                                                 ,--.'|_   ,--.'|
        ,---.'| ,--.'|    ,--.'  \ ,--.'  \              __  ,-.                  ,---,    |  | :,'  |  | :
        |   | : |  |,     |  | /\/ |  | /\/            ,' ,'/ /|              ,-+-. /  |   :  : ' :  :  : '
        |   | | `--'_     :  : :   :  : :      ,---.   '  | |' |    ,---.    ,--.'|'   | .;__,'  /   |  ' |          .--,
      ,--.__| | ,' ,'|    :  | |-, :  | |-,   /     \  |  |   ,'   /     \  |   |  ,"' | |  |   |    '  | |        /_ ./|
     /   ,'   | '  | |    |  : :/| |  : :/|  /    /  | '  :  /    /    /  | |   | /  | | :__,'| :    |  | :     , ' , ' :
    .   '  /  | |  | :    |  |  .' |  |  .' .    ' / | |  | '    .    ' / | |   | |  | |   '  : |__  '  : |__  /___/ \: |
    '   ; |:  | '  : |__  '  : '   '  : '   '   ;   /| ;  : |    '   ;   /| |   | |  |/    |  | '.'| |  | '.'|  .  \  ' |
    |   | '/  ' |  | '.'| |  | |   |  | |   '   |  / | |  , ;    '   |  / | |   | |--'     ;  :    ; ;  :    ;   \  ;   :   ___
    |   :    :| ;  :    ; |  : \   |  : \   |   :    |  ---'     |   :    | |   |/         |  ,   /  |  ,   /     \  \  ;  /  .\
     \   \  /   |  ,   /  |  |,'   |  |,'    \   \  /             \   \  /  '---'           ---`-'    ---`-'       :  \  \ \  ; |
      `----'     ---`-'   `--'     `--'       `----'               `----'                                           \  ' ;  `--"
                                                                                                                     `--`











-->

<!DOCTYPE html>
<html lang="en">
<head>
    
    <meta charset="utf-8">

<!-- Google Tag Manager -->
<script>
    (function (w, d, s, l, i) {
        w[l] = w[l] || [];
        w[l].push({
            'gtm.start': new Date().getTime(),
            event: 'gtm.js',
        });
        var f = d.getElementsByTagName(s)[0],
            j = d.createElement(s),
            dl = l != 'dataLayer' ? '&l=' + l : '';
        j.async = true;
        j.src = 'https://www.googletagmanager.com/gtm.js?id=' + i + dl;
        f.parentNode.insertBefore(j, f);
    })(window, document, 'script', 'dataLayer', 'GTM-PPKDQLF');
</script>
<script>
    //IE11 CSS vars polyfill
    window.MSInputMethodContext && document.documentMode &&
        document.write('<script src="https://cdn.jsdelivr.net/gh/nuxodin/ie11CustomProperties@4.0.1/ie11CustomProperties.min.js"><\x2fscript>');
</script>
<!-- End Google Tag Manager -->

<!-- Google Optimize -->
<script src="https://www.googleoptimize.com/optimize.js?id=OPT-TRBVGTB"></script>
<!-- End Google Optimize -->

<meta name="viewport" content="width=device-width, initial-scale=1">
<title>Heartland Bank</title>

<meta name="apple-mobile-web-app-title" content="Heartland Bank Website">
<meta name="description" content="Heartland Bank offers savings &amp; investments, reverse mortgages, motor vehicle lending, asset finance, and livestock financing.">
<meta name="google-site-verification" content="Tn_ehC37GwmZ_A7W4broO-Diw7es-8QKMMdwddQ2GLM">
<meta name="keywords" content="">
<link rel="canonical" href="https://staging.heartland.co.nz/privacy-statement">

<!-- FAVICONS -->
<link rel="apple-touch-icon-precomposed" href="/Images/favicons/corp/apple-icon-precomposed.png?v=NmblRYe6AE">
<link rel="apple-touch-icon" sizes="57x57" href="/Images/favicons/corp/apple-icon-57x57.png?v=NmblRYe6AE">
<link rel="apple-touch-icon" sizes="60x60" href="/Images/favicons/corp/apple-icon-60x60.png?v=NmblRYe6AE">
<link rel="apple-touch-icon" sizes="72x72" href="/Images/favicons/corp/apple-icon-72x72.png?v=NmblRYe6AE">
<link rel="apple-touch-icon" sizes="76x76" href="/Images/favicons/corp/apple-icon-76x76.png?v=NmblRYe6AE">
<link rel="apple-touch-icon" sizes="114x114" href="/Images/favicons/corp/apple-icon-114x114.png?v=NmblRYe6AE">
<link rel="apple-touch-icon" sizes="120x120" href="/Images/favicons/corp/apple-icon-120x120.png?v=NmblRYe6AE">
<link rel="apple-touch-icon" sizes="144x144" href="/Images/favicons/corp/apple-icon-144x144.png?v=NmblRYe6AE">
<link rel="apple-touch-icon" sizes="152x152" href="/Images/favicons/corp/apple-icon-152x152.png?v=NmblRYe6AE">
<link rel="apple-touch-icon" sizes="180x180" href="/Images/favicons/corp/apple-icon-180x180.png?v=NmblRYe6AE">
<link rel="icon" type="image/png" sizes="192x192" href="/Images/favicons/corp/android-icon-192x192.png?v=NmblRYe6AE">
<link rel="icon" type="image/png" sizes="96x96" href="/Images/favicons/corp/favicon-96x96.png?v=NmblRYe6AE">
<link rel="icon" type="image/png" sizes="32x32" href="/Images/favicons/corp/favicon-32x32.png?v=NmblRYe6AE">
<link rel="icon" type="image/png" sizes="16x16" href="/Images/favicons/corp/favicon-16x16.png?v=NmblRYe6AE">
<link rel="manifest" href="/Images/favicons/corp/site.webmanifest?v=NmblRYe6AE">
<link rel="mask-icon" href="/Images/favicons/corp/safari-pinned-tab.svg?v=NmblRYe6AE" color="#5bbad5">
<link rel="shortcut icon" href="/Images/favicons/corp/favicon.ico?v=NmblRYe6AE">
<meta name="msapplication-TileColor" content="#da532c">
<meta name="msapplication-TileImage" content="/Images/favicons/corp/ms-icon-144x144.png?v=NmblRYe6AE">
<meta name="msapplication-config" content="/Images/favicons/corp/browserconfig.xml?v=NmblRYe6AE">
<meta name="theme-color" content="#ffffff">
<!-- FONT PRELOAD -->


<link rel="preload" href="/fonts/fontawesome-webfont.woff?v=4.7.0" as="font" type="font/woff" crossorigin="anonymous">

<link rel="preload" href="/fonts/Muli-Regular.woff2" as="font" type="font/woff2" crossorigin="anonymous">
<link rel="preload" href="/fonts/Muli-Medium.woff2" as="font" type="font/woff2" crossorigin="anonymous">
<link rel="preload" href="/fonts/Muli-SemiBold.woff2" as="font" type="font/woff2" crossorigin="anonymous">
<link rel="preload" href="/fonts/Muli-Bold.woff2" as="font" type="font/woff2" crossorigin="anonymous">
<link rel="preload" href="/fonts/Muli-ExtraBold.woff2" as="font" type="font/woff2" crossorigin="anonymous">

<link rel="preload" href="/fonts/Lora-Regular.woff2" as="font" type="font/woff2" crossorigin="anonymous">
<link rel="preload" href="/fonts/Lora-Medium.woff2" as="font" type="font/woff2" crossorigin="anonymous">
<link rel="preload" href="/fonts/Lora-SemiBold.woff2" as="font" type="font/woff2" crossorigin="anonymous">
<link rel="preload" href="/fonts/Lora-Bold.woff2" as="font" type="font/woff2" crossorigin="anonymous">


<script>
	window.siteKey = '6LdEZLUaAAAAAJyQs9_K_8uJ4D4jO0Sq7b98AQpG';

    var restrictedWords = 'select,insert,delete,update,drop,create,alter,grant,revoke,commit,rollback,shutdown,union,intersect,minus,case,decode,where,group,begin,join,exists,distinct,add,modify,constraint,null,like,exec,execute,char,or,and,sp_sdidebug,xp_availablemedia,xp_cmdshell,xp_deletemail,xp_dirtree,xp_dropwebtask,xp_dsninfo,xp_enumdsn,xp_enumerrorlogs,xp_enumgroups,xp_enumqueuedtasks,xp_eventlog,xp_findnextmsg,xp_fixeddrives,xp_getfiledetails,xp_getnetname,xp_grantlogin,xp_logevent,xp_loginconfig,xp_logininfo,xp_makewebtask,xp_msver,xp_regread,xp_perfend,xp_perfmonitor,xp_perfsample,xp_perfstart,xp_readerrorlog,xp_readmail,xp_revokelogin,xp_runwebtask,xp_schedulersignal,xp_sendmail,xp_servicecontrol,xp_snmp_getstate,xp_snmp_raisetrap,xp_sprintf,xp_sqlinventory,xp_sqlregister,xp_sqltrace,xp_sscanf,xp_startmail,xp_stopmail,xp_subdirs,xp_unc_to_drive,sysobjects,syscolumns,MSysACEs,MSysObjects,MSysQueries,MSysRelationships,SYS.USER_OBJECTS,SYS.TAB,SYS.USER_TABLES,SYS.USER_VIEWS,SYS.ALL_TABLES,SYS.USER_TAB_COLUMNS,SYS.USER_CONSTRAINTS,SYS.USER_TRIGGERS,SYS.USER_CATALOG,SYS.ALL_CATALOG,SYS.ALL_CONSTRAINTS,SYS.ALL_OBJECTS,SYS.ALL_TAB_COLUMNS ,SYS.ALL_TAB_PRIVS ,SYS.ALL_TRIGGERS ,SYS.ALL_USERS ,SYS.ALL_VIEWS ,SYS.USER_ROLE_PRIVS,SYS.USER_SYS_PRIVS,SYS.USER_TAB_PRIVS,xp_sqlmaint,kill,bulk,external,public,raiserror,reconfigure,freetext,freetexttable,authorization,replication,backup,restore,restrict,goto,revert,holdlock,identity_insert,collate,system_user,merge,nocheck,truncate,updatetext,waitfor,print,writetext,exit,order by,benchmark';
    if (restrictedWords.length > -1) {
	    window.restrictedWords = restrictedWords.split(',');
    }
</script>

<!-- FB VERIFICATION -->
<meta name="facebook-domain-verification" content="mkca9pgwm9jw01xyjvjcvf1bgerojg">

    <!-- STRUCTURED DATA -->
    



    
    <link href='/css/site.min.css?v=1.0.0.0-133879716520000000' rel='stylesheet'>
    


    
    

    <style>

/*------------------------------------*\
  Browser compatibility fixes
\*------------------------------------*/

/*IE 8-11*/
.select__element::-ms-expand {
    display: none; /* remove default arrow in IE 10 and 11 */
}

.box-textInput {
    padding-bottom: 10px\0;
}

.business-loan-hero-application__container .box-textInput,
.livestock-finance-hero-application__container car-loans-hero-application__container .box-textInput {
    padding-bottom: 0px\0;
}

*::-ms-backdrop, .youchoose-video::before {
    display: none; /* remove top mask on IE11 */
}

@media (max-width:991px) {
    .why-heartland__figure,
    .application,
    .internet-help,
    .direct-call-funds,
    .direct-call-savings__card,
    .direct-call-savings__blurb {
        flex: none\0;
    }
}

@media screen and (max-width:991px) and (min-color-index:0) and(-webkit-min-device-pixel-ratio:0) {
    @media {
        .why-heartland__figure,
        .application,
        .internet-help,
        .direct-call-funds,
        .direct-call-savings__card,
        .direct-call-savings__blurb {
            flex: none !important;
        }
    }
}

/* Safari 10.1+ on iOS and desktop*/
@media not all and (min-resolution:.001dpcm) {
    @media {
        .why-heartland__figure,
        .application,
        .internet-help,
        .direct-call-funds,
        .direct-call-savings__card,
        .direct-call-savings__blurb {
            flex: none !important;
        }

        .box-textInput {
            padding-bottom: 0;
        }

        .business-loan-hero-application__container .box-textInput,
        .livestock-finance-hero-application__container .box-textInput {
            padding-bottom: 0;
        }

    }
}


/*------------------------------------*\
  End of Browser compatibility fixes
\*------------------------------------*/

</style>

    
</head>
<body data-app="true">
    <!-- Google Tag Manager (noscript) -->
    <noscript>
        <iframe src="https://www.googletagmanager.com/ns.html?id=GTM-PPKDQLF" height="0" width="0" style="display:none;visibility:hidden"></iframe>
    </noscript>

    <a class="skip-to-main" href="#mainContent">Skip to main content</a>

    <!-- End Google Tag Manager (noscript) -->
    <header>
        







<script>
    var section = '';
</script>

<div class="fixed-top main-nav-container" date-test-id="desktop-nav">
    
    <nav id="main-nav" class=" main-nav" aria-label="Main navigation">
        <div class="main-nav__inner">

            <a href="/"
               class="page-header__logo-container"
               target="">
                <img class="page-header__logo"
                     src="/Images/heartland-bank-logo-black.svg"
                     alt="Heartland Bank"
                     data-test-id="heartland-header-logo" />
            </a>

            <ul class="top-nav" data-test-id="desktop-header-menu">
                
                <li class="nav-item">
                    <a href="" class="nav-link nav-menu-link" onclick="return false;" data-test-id="main-nav-products">Products</a>
                    <ul class="nav-menu">
                        
                        <li class="nav-item nav-submenu-link">
                            <a href="/savings-and-deposits"
                               class="nav-link" data-test-id="products-saving-and-deposits">Savings & Deposits</a>
                            <ul class="nav-submenu">
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/savings-and-deposits/interest-rates" data-test-id='link-savings-and-deposits-interest-rates'>Interest rates</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/savings-and-deposits/digital-saver" data-test-id='link-savings-and-deposits-digital-saver'>Digital Saver</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/savings-and-deposits/term-deposits" data-test-id='link-savings-and-deposits-term-deposits'>Term Deposits</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/savings-and-deposits/direct-call-account" data-test-id='link-savings-and-deposits-direct-call-account'>Direct Call Account</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/savings-and-deposits/notice-saver" data-test-id='link-savings-and-deposits-notice-saver'>Notice Saver</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/youchoose" data-test-id='link-youchoose'>YouChoose</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/savings-and-deposits/business-call-account" data-test-id='link-savings-and-deposits-business-call-account'>Business Call Account</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/savings-and-deposits/pie-fund" data-test-id='link-savings-and-deposits-pie-fund'>Cash and PIE funds</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/savings-and-deposits/#ofdquestions" data-test-id='link-savings-and-deposits-#ofdquestions'>Common questions</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/about-us/documents-and-forms" data-test-id='link-about-us-documents-and-forms'>Documents and forms</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/savings-and-deposits/credit-rating" data-test-id='link-savings-and-deposits-credit-rating'>Credit rating</a>
                                        </li>
                            </ul>
                        </li>
                        
                        <li class="nav-item nav-submenu-link">
                            <a href="/reverse-mortgage"
                               class="nav-link"
                               data-test-id="products-reverse-mortgages">Reverse Mortgages</a>
                            <ul class="nav-submenu">
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/reverse-mortgage/what-is-a-reverse-mortgage" data-test-id='link-reverse-mortgage-what-is-a-reverse-mortgage'>What is a reverse mortgage?</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/reverse-mortgage/what-can-i-do-with-my-reverse-mortgage" data-test-id='link-reverse-mortgage-what-can-i-do-with-my-reverse-mortgage'>What can I do with my loan?</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/reverse-mortgage/streamline" data-test-id='link-reverse-mortgage-streamline'>Streamline Reverse Mortgage</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/reverse-mortgage/cash-reserve-request" data-test-id='link-reverse-mortgage-cash-reserve-request'>Cash Reserve request</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/reverse-mortgage/draw-down-options" data-test-id='link-reverse-mortgage-draw-down-options'>Drawdown options</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/reverse-mortgage/customer-stories" data-test-id='link-reverse-mortgage-customer-stories'>Our customer stories</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/reverse-mortgage/reverse-mortgage-calculator" data-test-id='link-reverse-mortgage-reverse-mortgage-calculator'>Calculate my loan</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/reverse-mortgage/useful-resources" data-test-id='link-reverse-mortgage-useful-resources'>Useful resources</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/reverse-mortgage/interest-rates" data-test-id='link-reverse-mortgage-interest-rates'>Rates &amp; fees</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/reverse-mortgage/existing-customer-information" data-test-id='link-reverse-mortgage-existing-customer-information'>Existing customers</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/reverse-mortgage/advisors" data-test-id='link-reverse-mortgage-advisors'>Advisors</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/reverse-mortgage/news" data-test-id='link-reverse-mortgage-news'>News</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/reverse-mortgage/partners" data-test-id='link-reverse-mortgage-partners'>Partnerships</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/reverse-mortgage/common-questions" data-test-id='link-reverse-mortgage-common-questions'>Common questions</a>
                                        </li>
                            </ul>
                        </li>
                        
                        <li class="nav-item nav-submenu-link">
                            <a href="/car-loans"
                               class="nav-link"
                               data-test-id="products-car-loans">Car Loans</a>
                            <ul class="nav-submenu">
                                            <li class="nav-subitem">
                                                <a class="nav-link" href="/car-loans/faqs" data-test-id='link-car-loans-faqs'>Common questions</a>
                                            </li>
                                            <li class="nav-subitem">
                                                <a class="nav-link" href="/car-loans/insurance" data-test-id='link-car-loans-insurance'>Insurance</a>
                                            </li>
                                            <li class="nav-subitem">
                                                <a class="nav-link" href="/car-loans/rates-fees-terms" data-test-id='link-car-loans-rates-fees-terms'>Rates, fees &amp; terms</a>
                                            </li>
                                            <li class="nav-subitem">
                                                <a class="nav-link" href="/car-loans/insurance/rating-solvency" data-test-id='link-car-loans-insurance-rating-solvency'>Rating &amp; solvency</a>
                                            </li>
                                            <li class="nav-subitem">
                                                <a class="nav-link" href="/car-loans/ev-loans" data-test-id='link-car-loans-ev-loans'>Electric Vehicle Loans</a>
                                            </li>
                                            <li class="nav-subitem">
                                                <a class="nav-link" href="/car-loans/marine-and-leisure-finance" data-test-id='link-car-loans-marine-and-leisure-finance'>Marine and Leisure Finance</a>
                                            </li>
                                            <li class="nav-subitem">
                                                <form action="/Car/Car/Application" method="post">
                                                    <input type="hidden" name="onlineId" />
                                                    <input type="hidden" name="reCaptchaToken" class="reCaptchaToken" />
                                                    <input type="hidden" name="OriginWebPage" value="car-loans (/privacy-statement)" />
                                                    <button type="submit" id="tracking__car-loans__header__apply-now" class="c-button c-button--primary-three js-waitforrecaptchatoken" itemprop="url">Apply now</button>
                                                <input type="hidden" name="as_sfid" value="AAAAAAU8uf_urJyTQcbEaWA0RCQavYq_CrPTFVWqSwf3Q1dQHwubeNWs1yyASgjEGu85eFXBphLVu1joXV5doVGnnOgtYWLAl2VXvM5-H0-YP0SR6wH9zaWfsZTWosz9kc08iTbFIi7Bv1iMb2UEwrd0PqKjbww3CvaaWtlBdPzmSk5Gmg==" /><input type="hidden" name="as_fid" value="dadb1093fedcd28d790d6b17df391b4ed98dfeed" /></form>
                                            </li>
                            </ul>
                        </li>
                        
                        <li class="nav-item">
                            <a href="/business-loans/asset-finance"
                               class="nav-link" data-test-id="products-business-loans">Asset Finance</a>
                        </li>
                        
                        <li class="nav-item nav-submenu-link">
                            <a href="/rural-loans"
                               class="nav-link" data-test-id="products-rural-loans">Rural Loans</a>

                            <ul class="nav-submenu">
                                        <li class="nav-subitem"><a class="nav-link" href="/rural-loans/livestock-finance" data-test-id='link-rural-loans-livestock-finance'>Livestock Finance</a></li>
                                        <li class="nav-subitem"><a class="nav-link" href="/rural-loans/sheep-beef-direct" data-test-id='link-rural-loans-sheep-beef-direct'>Sheep &amp; Beef Direct</a></li>
                                        <li class="nav-subitem"><a class="nav-link" href="/rural-loans/dairy-direct" data-test-id='link-rural-loans-dairy-direct'>Dairy Direct</a></li>
                                        <li class="nav-subitem"><a class="nav-link" href="/rural-loans/farm-transition-loan" data-test-id='link-rural-loans-farm-transition-loan'>Farm Transition Loan</a></li>
                            </ul>
                        </li>
                        
                        <li class="nav-item nav-submenu-link">
                            <a href="/home-loans"
                               class="nav-link" data-test-id="products-home-loans">Home Loans</a>
                            <ul class="nav-submenu">
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/home-loans/revolving-credit" data-test-id='link-home-loans-revolving-credit'>Revolving credit</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/home-loans/rates" data-test-id='link-home-loans-rates'>Rates &amp; fees</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/home-loans/faqs" data-test-id='link-home-loans-faqs'>Common questions</a>
                                        </li>
                            </ul>
                        </li>
                        
                    </ul>
                </li>

                
                <li class="nav-item">
                    <a href="" class="nav-link nav-menu-link" onclick="return false;">About us</a>
                    <ul class="nav-menu">
                            <li class="nav-item nav-nonmenu-link">
                                <a class="nav-link" href="/about-us">About us</a>
                            </li>
                            <li class="nav-item nav-nonmenu-link">
                                <a class="nav-link" href="/about-us/history-of-heartland-bank">Our history</a>
                            </li>
                            <li class="nav-item nav-nonmenu-link">
                                <a class="nav-link" href="/about-us/careers">Careers</a>
                            </li>
                            <li class="nav-item nav-nonmenu-link">
                                <a class="nav-link" href="/about-us/diversity-and-inclusion">Diversity and inclusion</a>
                            </li>
                            <li class="nav-item nav-nonmenu-link">
                                <a class="nav-link" href="/about-us/sponsorship">Sponsorship</a>
                            </li>
                            <li class="nav-item nav-nonmenu-link">
                                <a class="nav-link" href="/about-us/documents-and-forms">Documents &amp; forms</a>
                            </li>
                            <li class="nav-item nav-nonmenu-link">
                                <a class="nav-link" href="/about-us/news">News</a>
                            </li>
                    </ul>
                </li>

                
                <li class="nav-item">
                    <a class="nav-link" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
                </li>

                

                <li class="nav-item">
                    <a href="" class="nav-link nav-menu-link" onclick="return false;">Help</a>
                    <ul class="nav-menu">
                        <li class="nav-item nav-nonmenu-link" data-test-id="desktop-support">
                            <a href="/support" class="nav-link">Support</a>
                        </li>
                        <li class="nav-item nav-nonmenu-link" data-test-id="desktop-contact-us">
                            <a href="/contact-us" class="nav-link">Contact us</a>
                        </li>
                        <li class="nav-item nav-nonmenu-link" data-test-id="desktop-online-security">
                            <a href="/online-security" class="nav-link">Online security</a>
                        </li>
                    </ul>
                </li>



                    <li class="nav-item">
                        <a class="nav-link" href="/mobile-app">Mobile app</a>
                    </li>



                    <li class="nav-item">
                        <a href="https://stagingdigital.heartland.co.nz"
                           target="_blank"
                           class="btn btn-new btn-outline btn-login-apply">Log in</a>
                    </li>
            </ul>



            

                <a href="" id="" class="c-button c-button--primary-three c-button--direct-apply js-direct-apply-btn">Apply</a>
            <button id="mobile-hamburger"
                    data-test-id="mobile-header-menu-open"
                    class="
                    hamburger-menu
                    hamburger
                    hamburger--squeeze
                    hamburger-container"
                    onclick="openCloseMenuSlider(event);">
                <span class="hamburger-box">
                    <span class="hamburger-inner"></span>
                </span>
            </button>

        </div>
    </nav>

    
</div>


<nav class=" mobile-nav" aria-label="Mobile navigation" data-test-id="mobile-nav">
    
    <div class="slider-menu js-slider-menu" data-test-id="mobile-header-menu">
        <button id="mobile-hamburger"
                data-test-id="mobile-header-menu-close"
                class="
                    hamburger-menu
                    hamburger
                    hamburger--squeeze
                    hamburger-container
                    hamburger--close
                    is-active"
                onclick="openCloseMenuSlider(event);">
            <span class="hamburger-box">
                <span class="hamburger-inner"></span>
            </span>
        </button>

        <ul>
            <li class="close-menu d-flex slider-menu__action-title">
                <a class="page-header__logo-container" href="/">
                    <img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
                </a>
            </li>
            <li class="slider-menu__section-title">
                <a class="slider-menu__section-title-text">Products</a>
            </li>
            <li class="slider-menu__section-item section-item--savings">
                <a class=" js-open-menu-deposits" data-test-id='products-saving-and-deposits'>
                    <div class="row">
                        <div class="col-10"><p class="slider-menu__section-item-text my-auto">Savings &amp; Deposits</p></div>
                        <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
                    </div>
                </a>
            </li>
            <li class="slider-menu__section-item section-item--reverse-mortgage">
                <a class=" js-open-menu-seniors" data-test-id='products-reverse-mortgages'>
                    <div class="row">
                        <div class="col-10"><p class="slider-menu__section-item-text my-auto">Reverse Mortgages</p></div>
                        <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
                    </div>
                </a>
            </li>
            <li class="slider-menu__section-item section-item--car-loans">
                <a class=" js-open-menu-cars" data-test-id='products-car-loans'>
                    <div class="row">
                        <div class="col-10"><p class="slider-menu__section-item-text my-auto">Car Loans</p></div>
                        <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
                    </div>
                </a>
            </li>
            <li class="slider-menu__section-item section-item--business-loans">
                <a href="/business-loans/asset-finance" class="" data-test-id='products-business-loans'>
                    <div class="row">
                        <div class="col-10"><p class="slider-menu__section-item-text my-auto">Asset Finance</p></div>
                    </div>
                </a>
            </li>
            <li class="slider-menu__section-item section-item--rural-loans">
                <a class=" js-open-menu-livestock" data-test-id='products-rural-loans'>
                    <div class="row">
                        <div class="col-10"><p class="slider-menu__section-item-text my-auto">Rural Loans</p></div>
                        <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
                    </div>
                </a>
            </li>
            <li class="slider-menu__section-item section-item--home-loans">
                <a class=" js-open-menu-homeloans" data-test-id='products-home-loans'>
                    <div class="row">
                        <div class="col-10"><p class="slider-menu__section-item-text my-auto">Home Loans</p></div>
                        <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
                    </div>
                </a>
            </li>
            

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-company-info">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">About us</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-help">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">Help</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>


    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-mobile-app" data-test-id='products-mobile-app'>
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">Mobile app</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>

    <li class="slider-menu__section-title">
        <a tabindex="" href="https://stagingdigital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
    </li>
    <li class="slider-menu__section-title">
        <div class="slider-menu__section-title--download">
            <a class="c-app-link__item" href="https://apps.apple.com/nz/app/heartland-mobile-app-nz/id1401756383" target="_blank" rel="noopener noreferrer">
                <div class="c-app-link__item-inner">
                    <img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
                    <p class="c-app-link__copy">
                        <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                        <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
                    </p>
                </div>
            </a>
            <a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
                <div class="c-app-link__item-inner">
                    <img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
                    <p class="c-app-link__copy">
                        <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                        <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
                    </p>
                </div>
            </a>
        </div>
    </li>

        </ul>
    </div>

    
    <div class="slider-menu slider-menu--deposits js-slider-menu-deposits">
        <button id="mobile-hamburger"
                class="
                hamburger-menu
                hamburger
                hamburger--squeeze
                hamburger-container
                hamburger--close
                is-active"
                onclick="openCloseMenuSlider(event);">
            <span class="hamburger-box">
                <span class="hamburger-inner"></span>
            </span>
        </button>

        <ul>
            <li class="close-menu d-flex slider-menu__action-title">
                <a class="page-header__logo-container" href="/">
                    <img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
                </a>
            </li>
            <li onclick="closeSubMenuSlider(false)" class="slider-menu__back slider-menu__action-back">
                <span class="slider-menu__action-icon"><i class="fa fa-chevron-left" aria-hidden="true"></i></span> Back
            </li>

                <li class="slider-menu__section-item-heading
                        ">
                    <a href="/savings-and-deposits" data-test-id='link-savings-and-deposits'>Savings &amp; Deposits</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/savings-and-deposits/interest-rates" data-test-id='link-savings-and-deposits-interest-rates'>Interest rates</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/savings-and-deposits/digital-saver" data-test-id='link-savings-and-deposits-digital-saver'>Digital Saver</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/savings-and-deposits/term-deposits" data-test-id='link-savings-and-deposits-term-deposits'>Term Deposits</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/savings-and-deposits/direct-call-account" data-test-id='link-savings-and-deposits-direct-call-account'>Direct Call Account</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/savings-and-deposits/notice-saver" data-test-id='link-savings-and-deposits-notice-saver'>Notice Saver</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/youchoose" data-test-id='link-youchoose'>YouChoose</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/savings-and-deposits/business-call-account" data-test-id='link-savings-and-deposits-business-call-account'>Business Call Account</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/savings-and-deposits/pie-fund" data-test-id='link-savings-and-deposits-pie-fund'>Cash and PIE funds</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/savings-and-deposits/#ofdquestions" data-test-id='link-savings-and-deposits-#ofdquestions'>Common questions</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/about-us/documents-and-forms" data-test-id='link-about-us-documents-and-forms'>Documents and forms</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/savings-and-deposits/credit-rating" data-test-id='link-savings-and-deposits-credit-rating'>Credit rating</a>
                </li>

            

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-company-info">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">About us</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-help">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">Help</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>



    <li class="slider-menu__section-title">
        <a tabindex="" href="https://stagingdigital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
    </li>
    <li class="slider-menu__section-title">
        <div class="slider-menu__section-title--download">
            <a class="c-app-link__item" href="https://apps.apple.com/nz/app/heartland-mobile-app-nz/id1401756383" target="_blank" rel="noopener noreferrer">
                <div class="c-app-link__item-inner">
                    <img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
                    <p class="c-app-link__copy">
                        <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                        <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
                    </p>
                </div>
            </a>
            <a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
                <div class="c-app-link__item-inner">
                    <img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
                    <p class="c-app-link__copy">
                        <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                        <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
                    </p>
                </div>
            </a>
        </div>
    </li>

        </ul>
    </div>

    
    <div class="slider-menu slider-menu--business js-slider-menu-business">
        <button id="mobile-hamburger"
                class="
                hamburger-menu
                hamburger
                hamburger--squeeze
                hamburger-container
                hamburger--close
                is-active"
                onclick="openCloseMenuSlider(event);">
            <span class="hamburger-box">
                <span class="hamburger-inner"></span>
            </span>
        </button>

        <ul>
            <li class="close-menu d-flex slider-menu__action-title">
                <a class="page-header__logo-container" href="/">
                    <img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
                </a>
            </li>
            <li onclick="closeSubMenuSlider(false)" class="slider-menu__back slider-menu__action-back">
                <span class="slider-menu__action-icon"><i class="fa fa-chevron-left" aria-hidden="true"></i></span> Back
            </li>
            
            

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-company-info">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">About us</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-help">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">Help</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>



    <li class="slider-menu__section-title">
        <a tabindex="" href="https://stagingdigital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
    </li>
    <li class="slider-menu__section-title">
        <div class="slider-menu__section-title--download">
            <a class="c-app-link__item" href="https://apps.apple.com/nz/app/heartland-mobile-app-nz/id1401756383" target="_blank" rel="noopener noreferrer">
                <div class="c-app-link__item-inner">
                    <img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
                    <p class="c-app-link__copy">
                        <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                        <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
                    </p>
                </div>
            </a>
            <a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
                <div class="c-app-link__item-inner">
                    <img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
                    <p class="c-app-link__copy">
                        <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                        <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
                    </p>
                </div>
            </a>
        </div>
    </li>

        </ul>
    </div>

    
    <div class="slider-menu slider-menu--livestock js-slider-menu-rural">
        <button id="mobile-hamburger"
                class="
                hamburger-menu
                hamburger
                hamburger--squeeze
                hamburger-container
                hamburger--close
                is-active"
                onclick="openCloseMenuSlider(event);">
            <span class="hamburger-box">
                <span class="hamburger-inner"></span>
            </span>
        </button>

        <ul>
            <li class="close-menu d-flex slider-menu__action-title">
                <a class="page-header__logo-container" href="/">
                    <img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
                </a>
            </li>
            <li onclick="closeSubMenuSlider(false)" class="slider-menu__back slider-menu__action-back">
                <span class="slider-menu__action-icon">
                    <i class="fa fa-chevron-left" aria-hidden="true"></i>
                </span> Back
            </li>

                <li class="slider-menu__section-item-heading
                        ">
                    <a href="/rural-loans" data-test-id='link-rural-loans'>Rural Loans</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/rural-loans/livestock-finance" data-test-id='link-rural-loans-livestock-finance'>Livestock Finance</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/rural-loans/sheep-beef-direct" data-test-id='link-rural-loans-sheep-beef-direct'>Sheep &amp; Beef Direct</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/rural-loans/dairy-direct" data-test-id='link-rural-loans-dairy-direct'>Dairy Direct</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/rural-loans/farm-transition-loan" data-test-id='link-rural-loans-farm-transition-loan'>Farm Transition Loan</a>
                </li>

            

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-company-info">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">About us</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-help">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">Help</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>



    <li class="slider-menu__section-title">
        <a tabindex="" href="https://stagingdigital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
    </li>
    <li class="slider-menu__section-title">
        <div class="slider-menu__section-title--download">
            <a class="c-app-link__item" href="https://apps.apple.com/nz/app/heartland-mobile-app-nz/id1401756383" target="_blank" rel="noopener noreferrer">
                <div class="c-app-link__item-inner">
                    <img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
                    <p class="c-app-link__copy">
                        <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                        <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
                    </p>
                </div>
            </a>
            <a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
                <div class="c-app-link__item-inner">
                    <img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
                    <p class="c-app-link__copy">
                        <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                        <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
                    </p>
                </div>
            </a>
        </div>
    </li>

        </ul>
    </div>

    
    <div class="slider-menu slider-menu--cars js-slider-menu-cars">
        <button id="mobile-hamburger"
                class="
                hamburger-menu
                hamburger
                hamburger--squeeze
                hamburger-container
                hamburger--close
                is-active"
                onclick="openCloseMenuSlider(event);">
            <span class="hamburger-box">
                <span class="hamburger-inner"></span>
            </span>
        </button>

        <ul>
            <li class="close-menu d-flex slider-menu__action-title">
                <a class="page-header__logo-container" href="/">
                    <img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
                </a>
            </li>
            <li onclick="closeSubMenuSlider(false)" class="slider-menu__back slider-menu__action-back">
                <span class="slider-menu__action-icon"><i class="fa fa-chevron-left" aria-hidden="true"></i></span> Back
            </li>

                    <li class="slider-menu__section-item-heading
                        ">
                        <a href="/car-loans" data-test-id='link-car-loans'>Car Loans</a>
                    </li>
                    <li class="slider-menu__section-item
                        ">
                        <a href="/car-loans/faqs" data-test-id='link-car-loans-faqs'>Common questions</a>
                    </li>
                    <li class="slider-menu__section-item
                        ">
                        <a href="/car-loans/insurance" data-test-id='link-car-loans-insurance'>Insurance</a>
                    </li>
                    <li class="slider-menu__section-item
                        ">
                        <a href="/car-loans/rates-fees-terms" data-test-id='link-car-loans-rates-fees-terms'>Rates, fees &amp; terms</a>
                    </li>
                    <li class="slider-menu__section-item
                        ">
                        <a href="/car-loans/insurance/rating-solvency" data-test-id='link-car-loans-insurance-rating-solvency'>Rating &amp; solvency</a>
                    </li>
                    <li class="slider-menu__section-item
                        ">
                        <a href="/car-loans/ev-loans" data-test-id='link-car-loans-ev-loans'>Electric Vehicle Loans</a>
                    </li>
                    <li class="slider-menu__section-item
                        ">
                        <a href="/car-loans/marine-and-leisure-finance" data-test-id='link-car-loans-marine-and-leisure-finance'>Marine and Leisure Finance</a>
                    </li>
                    <li class="slider-menu__section-item">
                        <form action="/Car/Car/Application" method="post" style="padding: 1rem 2rem;">
                            <input type="hidden" name="onlineId" />
                            <input type="hidden" name="reCaptchaToken" class="reCaptchaToken" />
                            <input type="hidden" name="OriginWebPage" value="car-loans (/privacy-statement)" />
                            <button type="submit" id="tracking__car-loans__header__apply-now" class="c-button c-button--primary-three js-waitforrecaptchatoken" itemprop="url">Apply now</button>
                        <input type="hidden" name="as_sfid" value="AAAAAAUO2Il8WbbfPDRhk9Ex0tf0kr71s2mn-e93gZgb_34LWz-E0oyvqBStwxXfK_ZHIBdLV5QtqOHT7c5Dvjsqw4ZGWiCvUOg72w1d6bE9nS-JdachEpkInfI1DuuqIOIr7ctyX6E0i53bxJ3LCm2zFekCxUyPme5ntUWVwvgFg6WkMA==" /><input type="hidden" name="as_fid" value="dadb1093fedcd28d790d6b17df391b4ed98dfeed" /></form>
                    </li>

            

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-company-info">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">About us</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-help">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">Help</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>



    <li class="slider-menu__section-title">
        <a tabindex="" href="https://stagingdigital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
    </li>
    <li class="slider-menu__section-title">
        <div class="slider-menu__section-title--download">
            <a class="c-app-link__item" href="https://apps.apple.com/nz/app/heartland-mobile-app-nz/id1401756383" target="_blank" rel="noopener noreferrer">
                <div class="c-app-link__item-inner">
                    <img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
                    <p class="c-app-link__copy">
                        <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                        <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
                    </p>
                </div>
            </a>
            <a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
                <div class="c-app-link__item-inner">
                    <img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
                    <p class="c-app-link__copy">
                        <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                        <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
                    </p>
                </div>
            </a>
        </div>
    </li>

        </ul>
    </div>

    
    <div class="slider-menu slider-menu--seniors js-slider-menu-seniors">
        <button id="mobile-hamburger"
                class="
                hamburger-menu
                hamburger
                hamburger--squeeze
                hamburger-container
                hamburger--close
                is-active"
                onclick="openCloseMenuSlider(event);">
            <span class="hamburger-box">
                <span class="hamburger-inner"></span>
            </span>
        </button>

        <ul>
            <li class="close-menu d-flex slider-menu__action-title">
                <a class="page-header__logo-container" href="/">
                    <img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
                </a>
            </li>
            <li onclick="closeSubMenuSlider(false)" class="slider-menu__back slider-menu__action-back">
                <span class="slider-menu__action-icon"><i class="fa fa-chevron-left" aria-hidden="true"></i></span> Back
            </li>

                <li class="slider-menu__section-item-heading
                        ">
                    <a href="/reverse-mortgage" data-test-id='link-reverse-mortgage'>Reverse Mortgages</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/what-is-a-reverse-mortgage" data-test-id='link-reverse-mortgage-what-is-a-reverse-mortgage'>What is a reverse mortgage?</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/what-can-i-do-with-my-reverse-mortgage" data-test-id='link-reverse-mortgage-what-can-i-do-with-my-reverse-mortgage'>What can I do with my loan?</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/streamline" data-test-id='link-reverse-mortgage-streamline'>Streamline Reverse Mortgage</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/cash-reserve-request" data-test-id='link-reverse-mortgage-cash-reserve-request'>Cash Reserve request</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/draw-down-options" data-test-id='link-reverse-mortgage-draw-down-options'>Drawdown options</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/customer-stories" data-test-id='link-reverse-mortgage-customer-stories'>Our customer stories</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/reverse-mortgage-calculator" data-test-id='link-reverse-mortgage-reverse-mortgage-calculator'>Calculate my loan</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/useful-resources" data-test-id='link-reverse-mortgage-useful-resources'>Useful resources</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/interest-rates" data-test-id='link-reverse-mortgage-interest-rates'>Rates &amp; fees</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/existing-customer-information" data-test-id='link-reverse-mortgage-existing-customer-information'>Existing customers</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/advisors" data-test-id='link-reverse-mortgage-advisors'>Advisors</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/news" data-test-id='link-reverse-mortgage-news'>News</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/partners" data-test-id='link-reverse-mortgage-partners'>Partnerships</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/reverse-mortgage/common-questions" data-test-id='link-reverse-mortgage-common-questions'>Common questions</a>
                </li>

            

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-company-info">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">About us</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-help">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">Help</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>



    <li class="slider-menu__section-title">
        <a tabindex="" href="https://stagingdigital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
    </li>
    <li class="slider-menu__section-title">
        <div class="slider-menu__section-title--download">
            <a class="c-app-link__item" href="https://apps.apple.com/nz/app/heartland-mobile-app-nz/id1401756383" target="_blank" rel="noopener noreferrer">
                <div class="c-app-link__item-inner">
                    <img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
                    <p class="c-app-link__copy">
                        <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                        <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
                    </p>
                </div>
            </a>
            <a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
                <div class="c-app-link__item-inner">
                    <img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
                    <p class="c-app-link__copy">
                        <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                        <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
                    </p>
                </div>
            </a>
        </div>
    </li>

        </ul>
    </div>

    
    <div class="slider-menu slider-menu--homeloans js-slider-menu-homeloans">
        <button id="mobile-hamburger"
                class="
                hamburger-menu
                hamburger
                hamburger--squeeze
                hamburger-container
                hamburger--close
                is-active"
                onclick="openCloseMenuSlider(event);">
            <span class="hamburger-box">
                <span class="hamburger-inner"></span>
            </span>
        </button>

        <ul>
            <li class="close-menu d-flex slider-menu__action-title">
                <a class="page-header__logo-container" href="/">
                    <img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
                </a>
            </li>
            <li onclick="closeSubMenuSlider(false)" class="slider-menu__back slider-menu__action-back">
                <span class="slider-menu__action-icon"><i class="fa fa-chevron-left" aria-hidden="true"></i></span> Back
            </li>

                <li class="slider-menu__section-item-heading
                        ">
                    <a href="/home-loans" data-test-id='link-home-loans'>Home Loans</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/home-loans/revolving-credit" data-test-id='link-home-loans-revolving-credit'>Revolving credit</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/home-loans/rates" data-test-id='link-home-loans-rates'>Rates &amp; fees</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/home-loans/faqs" data-test-id='link-home-loans-faqs'>Common questions</a>
                </li>

            

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-company-info">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">About us</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-help">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">Help</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>



    <li class="slider-menu__section-title">
        <a tabindex="" href="https://stagingdigital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
    </li>
    <li class="slider-menu__section-title">
        <div class="slider-menu__section-title--download">
            <a class="c-app-link__item" href="https://apps.apple.com/nz/app/heartland-mobile-app-nz/id1401756383" target="_blank" rel="noopener noreferrer">
                <div class="c-app-link__item-inner">
                    <img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
                    <p class="c-app-link__copy">
                        <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                        <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
                    </p>
                </div>
            </a>
            <a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
                <div class="c-app-link__item-inner">
                    <img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
                    <p class="c-app-link__copy">
                        <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                        <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
                    </p>
                </div>
            </a>
        </div>
    </li>

        </ul>
    </div>

    
    <div class="slider-menu slider-menu--mobile-app js-slider-menu-mobile-app">
        <button id="mobile-hamburger"
                class="
                hamburger-menu
                hamburger
                hamburger--squeeze
                hamburger-container
                hamburger--close
                is-active"
                onclick="openCloseMenuSlider(event);">
            <span class="hamburger-box">
                <span class="hamburger-inner"></span>
            </span>
        </button>

        <ul>
            <li class="close-menu d-flex slider-menu__action-title">
                <a class="page-header__logo-container" href="/">
                    <img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
                </a>
            </li>
            <li onclick="closeSubMenuSlider(false)" class="slider-menu__back slider-menu__action-back">
                <span class="slider-menu__action-icon"><i class="fa fa-chevron-left" aria-hidden="true"></i></span> Back
            </li>

                <li class="slider-menu__section-item-heading
                        ">
                    <a href="/mobile-app" data-test-id='link-mobile-app'>Mobile app</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/new-user-access" data-test-id='link-new-user-access'>New user access</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/mobile-app/how-to-guides" data-test-id='link-mobile-app-how-to-guides'>How-to guides</a>
                </li>

            

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-company-info">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">About us</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-help">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">Help</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>



    <li class="slider-menu__section-title">
        <a tabindex="" href="https://stagingdigital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
    </li>
    <li class="slider-menu__section-title">
        <div class="slider-menu__section-title--download">
            <a class="c-app-link__item" href="https://apps.apple.com/nz/app/heartland-mobile-app-nz/id1401756383" target="_blank" rel="noopener noreferrer">
                <div class="c-app-link__item-inner">
                    <img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
                    <p class="c-app-link__copy">
                        <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                        <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
                    </p>
                </div>
            </a>
            <a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
                <div class="c-app-link__item-inner">
                    <img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
                    <p class="c-app-link__copy">
                        <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                        <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
                    </p>
                </div>
            </a>
        </div>
    </li>

        </ul>
    </div>

    
    <div class="slider-menu slider-menu--company-info js-slider-menu-company-info">
        <button id="mobile-hamburger"
                class="
                hamburger-menu
                hamburger
                hamburger--squeeze
                hamburger-container
                hamburger--close
                is-active"
                onclick="openCloseMenuSlider(event);">
            <span class="hamburger-box">
                <span class="hamburger-inner"></span>
            </span>
        </button>

        <ul>
            <li class="close-menu d-flex slider-menu__action-title">
                <a class="page-header__logo-container" href="/">
                    <img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
                </a>
            </li>
            <li onclick="closeSubMenuSlider(false)" class="slider-menu__back slider-menu__action-back">
                <span class="slider-menu__action-icon"><i class="fa fa-chevron-left" aria-hidden="true"></i></span> Back
            </li>

                <li class="slider-menu__section-item-heading
                        ">
                    <a href="/about-us" data-test-id='link-about-us'>About us</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/about-us/history-of-heartland-bank" data-test-id='link-about-us-history-of-heartland-bank'>Our history</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/about-us/careers" data-test-id='link-about-us-careers'>Careers</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/about-us/diversity-and-inclusion" data-test-id='link-about-us-diversity-and-inclusion'>Diversity and inclusion</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/about-us/sponsorship" data-test-id='link-about-us-sponsorship'>Sponsorship</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/about-us/documents-and-forms" data-test-id='link-about-us-documents-and-forms'>Documents &amp; forms</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/about-us/news" data-test-id='link-about-us-news'>News</a>
                </li>

            


    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text" href="https://www.heartlandgroup.info/" target="_blank">Shareholders</a>
    </li>

    <li>
        <hr class="slider-menu__hr" />
    </li>
    <li class="slider-menu__section-title">
        <a class="slider-menu__section-title-text js-open-menu-help">
            <div class="row">
                <div class="col-10"><p class="slider-menu__section-title-text my-auto">Help</p></div>
                <div class="col-2 pl-0"><span class="slider-menu__action-icon"><i class="fa fa-chevron-right" aria-hidden="true"></i></span></div>
            </div>
        </a>
    </li>



    <li class="slider-menu__section-title">
        <a tabindex="" href="https://stagingdigital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
    </li>
    <li class="slider-menu__section-title">
        <div class="slider-menu__section-title--download">
            <a class="c-app-link__item" href="https://apps.apple.com/nz/app/heartland-mobile-app-nz/id1401756383" target="_blank" rel="noopener noreferrer">
                <div class="c-app-link__item-inner">
                    <img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
                    <p class="c-app-link__copy">
                        <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                        <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
                    </p>
                </div>
            </a>
            <a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
                <div class="c-app-link__item-inner">
                    <img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
                    <p class="c-app-link__copy">
                        <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                        <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
                    </p>
                </div>
            </a>
        </div>
    </li>

        </ul>
    </div>

    
    <div class="slider-menu slider-menu--help js-slider-menu-help">
        <button id="mobile-hamburger"
                class="
                hamburger-menu
                hamburger
                hamburger--squeeze
                hamburger-container
                hamburger--close
                is-active"
                onclick="openCloseMenuSlider(event);">
            <span class="hamburger-box">
                <span class="hamburger-inner"></span>
            </span>
        </button>

        <ul>
            <li class="close-menu d-flex slider-menu__action-title">
                <a class="page-header__logo-container" href="/">
                    <img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
                </a>
            </li>
            <li onclick="closeSubMenuSlider(false)" class="slider-menu__back slider-menu__action-back">
                <span class="slider-menu__action-icon"><i class="fa fa-chevron-left" aria-hidden="true"></i></span> Back
            </li>

                <li class="slider-menu__section-item-heading
                        ">
                    <a href="/support" data-test-id='link-support'>Support</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/contact-us" data-test-id='link-contact-us'>Contact us</a>
                </li>
                <li class="slider-menu__section-item
                        ">
                    <a href="/online-security" data-test-id='link-online-security'>Online security</a>
                </li>

            






    <li class="slider-menu__section-title">
        <a tabindex="" href="https://stagingdigital.heartland.co.nz" target="_blank" class="btn btn-new btn-outline btn-login-apply" id="tracking__home__main-nav__login" interaction-fill="rgba(255,255,255,0.2)">Log in</a>
    </li>
    <li class="slider-menu__section-title">
        <div class="slider-menu__section-title--download">
            <a class="c-app-link__item" href="https://apps.apple.com/nz/app/heartland-mobile-app-nz/id1401756383" target="_blank" rel="noopener noreferrer">
                <div class="c-app-link__item-inner">
                    <img src="/Images/Corporate/app-store-logo-apple.svg" alt="Heartland mobile app for iOS" class="c-app-link__icon">
                    <p class="c-app-link__copy">
                        <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                        <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Apple</span>
                    </p>
                </div>
            </a>
            <a class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
                <div class="c-app-link__item-inner">
                    <img src="/Images/Corporate/app-store-logo-google.svg?1" alt="Heartland mobile app for Android" class="c-app-link__icon">
                    <p class="c-app-link__copy">
                        <span class="c-app-link__copy-header c-app-link__copy-header--fixed">Download for</span>
                        <span class="c-app-link__copy-sub-header c-app-link__copy-sub-header--fixed">Android</span>
                    </p>
                </div>
            </a>
        </div>
    </li>

        </ul>
    </div>

    
    <div class="slider-menu slider-menu--village js-slider-menu-village">
        <button id="mobile-hamburger"
                class="
            hamburger-menu
            hamburger
            hamburger--squeeze
            hamburger-container
            hamburger--close
            is-active"
                onclick="openCloseMenuSlider(event, true);">
            <span class="hamburger-box">
                <span class="hamburger-inner"></span>
            </span>
        </button>

        <ul>
            <li class="close-menu d-flex slider-menu__action-title">
                <a class="page-header__logo-container" href="/">
                    <img class="page-header__logo" src="/Images/heartland-bank-logo-black.svg" alt="Heartland Bank" />
                </a>
            </li>
            <li class="slider-menu__section-item-heading">
                <a href="/village-access-loan">Village Access Loan</a>
            </li>
            <li class="slider-menu__section-item">
                <a href="/what-is-a-village-access-loan">What is a Village Access Loan?</a>
            </li>
            <li class="slider-menu__section-item">
                <a href="/village-access-loan-rates-fees">Rates, fees & terms</a>
            </li>
            <li class="slider-menu__section-item">
                <a href="/village-access-loan-documents-forms">Documents & forms</a>
            </li>
            <li class="slider-menu__section-item">
                <a href="/village-access-loan-common-questions">Common questions</a>
            </li>
            







        </ul>
    </div>
</nav>

    </header>

    <main id="mainContent" class="body-content">
        


<section class="text-content">
	<div class="container-fluid text-container mt-5 mb-50">
		<div id="text-file-container">
		</div>
	</div>
</section>





        <div class="back-to-top-button js-back-to-top-button" aria-label="Scroll to Top">
    <img class="back-to-top-button__img" src="/Images/Icons/icon-arrow-nav-white.svg" alt="Back to top">
    <span class="back-to-top-button__para">TOP</span>
</div>

    </main>

    

<footer class="l-footer">
    <div class="l-footer__inner">
        <nav class="l-footer__top" aria-label="Footer main navigation">
                <div class="l-footer__item">
                        <h6 class="l-footer__header l-footer__header--desktop"
                            data-target="#ourProducts">
                            Products
                        </h6>

                    <button class="l-footer__header l-footer__header--btn"
                            aria-expanded="false"
                            data-toggle="collapse"
                            data-target="#ourProducts">
                        Products
                        <svg class="l-footer__header-icon" viewBox="0 0 8 14" fill="none" xmlns="http://www.w3.org/2000/svg">
                            <path d="M1 1.53589L7 7.03589L0.999998 12.5359" stroke="white" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path>
                        </svg>
                    </button>

                    <ul id="ourProducts"
                        class="l-footer__list collapse"
                        data-parent=".l-footer__top">
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/savings-and-deposits">Savings &amp; Deposits</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/reverse-mortgage">Reverse Mortgages</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/business-loans/asset-finance">Asset Finance</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/rural-loans">Rural Loans</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/car-loans">Car Loans</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/home-loans">Home Loans</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/personal-loans/rates-fees-terms">Personal Loans</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/extend-consumer/rates-and-fees">Heartland Extend (Consumer)</a>
                            </li>
                    </ul>

                </div>
                <div class="l-footer__item">
                        <h6 class="l-footer__header l-footer__header--desktop"
                            data-target="#usefulResources">
                            Useful resources
                        </h6>

                    <button class="l-footer__header l-footer__header--btn"
                            aria-expanded="false"
                            data-toggle="collapse"
                            data-target="#usefulResources">
                        Useful resources
                        <svg class="l-footer__header-icon" viewBox="0 0 8 14" fill="none" xmlns="http://www.w3.org/2000/svg">
                            <path d="M1 1.53589L7 7.03589L0.999998 12.5359" stroke="white" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path>
                        </svg>
                    </button>

                    <ul id="usefulResources"
                        class="l-footer__list collapse"
                        data-parent=".l-footer__top">
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/support">Support</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/mobile-app/how-to-guides">Mobile app guides</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/online-security">Online security</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/id-requirements">Identification requirements</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/biometrics">Biometrics</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/docusign">Docusign</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/bank-statement-retrieval">Bank statement retrieval</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/accepted-bank-statements">Accepted bank statements</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/about-us/documents-and-forms">Documents and forms</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/intraday-banking">Intraday banking</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/unforeseen-hardship">Unforeseen hardship</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/about-us/anti-money-laundering-law">Anti-Money Laundering</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="https://identity.flexipurchase.com/">Corporate card</a>
                            </li>
                    </ul>

                </div>
                <div class="l-footer__item">
                        <h6 class="l-footer__header l-footer__header--desktop"
                            data-target="#companyInfo">
                            Company info
                        </h6>

                    <button class="l-footer__header l-footer__header--btn"
                            aria-expanded="false"
                            data-toggle="collapse"
                            data-target="#companyInfo">
                        Company info
                        <svg class="l-footer__header-icon" viewBox="0 0 8 14" fill="none" xmlns="http://www.w3.org/2000/svg">
                            <path d="M1 1.53589L7 7.03589L0.999998 12.5359" stroke="white" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path>
                        </svg>
                    </button>

                    <ul id="companyInfo"
                        class="l-footer__list collapse"
                        data-parent=".l-footer__top">
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/about-us">About us</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/about-us/careers">Careers</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/about-us/sponsorship">Sponsorship</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/about-us/news">News</a>
                            </li>
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="https://www.heartlandgroup.info/">Investors</a>
                            </li>
                    </ul>

                </div>
                <div class="l-footer__item">
                        <h6 class="l-footer__header l-footer__header--desktop"
                            data-target="#digitalBanking">
                            Mobile app
                        </h6>

                    <button class="l-footer__header l-footer__header--btn"
                            aria-expanded="false"
                            data-toggle="collapse"
                            data-target="#digitalBanking">
                        Mobile app
                        <svg class="l-footer__header-icon" viewBox="0 0 8 14" fill="none" xmlns="http://www.w3.org/2000/svg">
                            <path d="M1 1.53589L7 7.03589L0.999998 12.5359" stroke="white" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path>
                        </svg>
                    </button>

                    <ul id="digitalBanking"
                        class="l-footer__list collapse"
                        data-parent=".l-footer__top">
                            <li class="l-footer__list-item">
                                <a class="l-footer__list-item-link" href="/mobile-app">Learn about the app</a>
                            </li>
                    </ul>

                        <h6 class="l-footer__header l-footer__header--desktop mt-md-5 pt-md-3" data-target="#getOurApp">
                            Get our app
                        </h6>
                        <div class="l-footer__app-link l-footer__app-link--desktop">
                            

<!-- APP LINK -->
<div class="c-app-link ">
    <div class="c-app-link__inner">
            <div class="c-app-link__inner-item">
                <a  class="c-app-link__item" href="https://apps.apple.com/nz/app/heartland-mobile-app-nz/id1401756383" target="_blank" rel="noopener noreferrer">
                    <div class="c-app-link__item-inner">
                        <img src="/Images/Corporate/app-store-logo-apple-white.svg" alt="" class="c-app-link__icon">

                        <p class="c-app-link__copy">
                            <span class="c-app-link__copy-header">Download for</span>
                            <span class="c-app-link__copy-sub-header">Apple</span>
                        </p>
                    </div>
                </a>
                <br/>
                    <small class="c-app-link__spec"></small>
            </div>
            <div class="c-app-link__inner-item">
                <a  class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
                    <div class="c-app-link__item-inner">
                        <img src="/Images/Corporate/app-store-logo-google.svg?1" alt="" class="c-app-link__icon">

                        <p class="c-app-link__copy">
                            <span class="c-app-link__copy-header">Download for</span>
                            <span class="c-app-link__copy-sub-header">Android</span>
                        </p>
                    </div>
                </a>
                <br/>
                    <small class="c-app-link__spec"></small>
            </div>
    </div>
</div>
                        </div>
                </div>

            
            <div class="l-footer__app-link l-footer__app-link--mobile">
                <h6 class="l-footer__app-link-header">Get our app</h6>

                

<!-- APP LINK -->
<div class="c-app-link ">
    <div class="c-app-link__inner">
            <div class="c-app-link__inner-item">
                <a  class="c-app-link__item" href="https://apps.apple.com/nz/app/heartland-mobile-app-nz/id1401756383" target="_blank" rel="noopener noreferrer">
                    <div class="c-app-link__item-inner">
                        <img src="/Images/Corporate/app-store-logo-apple-white.svg" alt="" class="c-app-link__icon">

                        <p class="c-app-link__copy">
                            <span class="c-app-link__copy-header">Download for</span>
                            <span class="c-app-link__copy-sub-header">Apple</span>
                        </p>
                    </div>
                </a>
                <br/>
                    <small class="c-app-link__spec"></small>
            </div>
            <div class="c-app-link__inner-item">
                <a  class="c-app-link__item" href="https://play.google.com/store/apps/details?id=nz.co.heartland.mobileapp.android" target="_blank" rel="noopener noreferrer">
                    <div class="c-app-link__item-inner">
                        <img src="/Images/Corporate/app-store-logo-google.svg?1" alt="" class="c-app-link__icon">

                        <p class="c-app-link__copy">
                            <span class="c-app-link__copy-header">Download for</span>
                            <span class="c-app-link__copy-sub-header">Android</span>
                        </p>
                    </div>
                </a>
                <br/>
                    <small class="c-app-link__spec"></small>
            </div>
    </div>
</div>
            </div>
        </nav>

        <nav class="l-footer__sub-link">
            <div class="l-footer__sub-link-list-container">
                <ul class="l-footer__sub-link-list">
                        <li class="l-footer__sub-link-list-item">
                            <a class="l-footer__sub-link-list-item-anchor" href="/compliments-and-complaints">Compliments &amp; complaints</a>
                        </li>
                        <li class="l-footer__sub-link-list-item">
                            <a class="l-footer__sub-link-list-item-anchor" href="/fair-conduct-programme">Fair Conduct Programme </a>
                        </li>
                        <li class="l-footer__sub-link-list-item">
                            <a class="l-footer__sub-link-list-item-anchor" href="/privacy-statement">Privacy statement</a>
                        </li>
                        <li class="l-footer__sub-link-list-item">
                            <a class="l-footer__sub-link-list-item-anchor" href="/documents-and-forms?menu=2">Disclosure statements</a>
                        </li>
                        <li class="l-footer__sub-link-list-item">
                            <a class="l-footer__sub-link-list-item-anchor" href="/website-terms-of-use">Website terms of use</a>
                        </li>
                </ul>
                <div class="shielded-container">
                    <div class="shielded">
    <img alt="shielded" id="shielded-logo" src="https://shielded.co.nz/img/custom-logo.png" height="32" width="32" style="cursor: pointer; margin: 0px auto; display: inherit;">
    <script src="https://staticcdn.co.nz/embed/embed.js" language="javascript"></script>
    <script language="javascript">
        (function () {
            var frameName = new ds07o6pcmkorn({
                openElementId: "#shielded-logo",
                modalID: "modal",
            });
            frameName.init();
        })();
    </script>
</div>
                </div>
            </div>

            <ul class="l-footer__socials">
                    <li class="l-footer__socials-list">
                        <a class="l-footer__socials-list-link" href="https://www.facebook.com/HeartlandBankNZ/" target="_blank" rel="noreferrer noopener">
                            <span class="visually-hidden">Heartland Facebook page</span>
                            <svg class="l-footer__socials-icon l-footer__socials-icon--fb" viewBox="0 0 9 17" xmlns="http://www.w3.org/2000/svg"><path d="M5.6377 6.07582V4.09956C5.6377 3.55412 6.08009 3.11143 6.6252 3.11143H7.61269V0.641113H5.6377C4.00141 0.641113 2.6752 1.96817 2.6752 3.6055V6.07582H0.700195V8.54614H2.6752V16.4512H5.6377V8.54614H7.61269L8.60019 6.07582H5.6377Z" ></path></svg>
                        </a>
                    </li>
                    <li class="l-footer__socials-list">
                        <a class="l-footer__socials-list-link" href="https://www.linkedin.com/company/heartland-bank-nz" target="_blank" rel="noreferrer noopener">
                            <span class="visually-hidden">Heartland LinkedIn page</span>
                            <svg class="l-footer__socials-icon" viewBox="0 0 16 17" xmlns="http://www.w3.org/2000/svg"><path fill - rule ="evenodd" clip - rule = "evenodd" d = "M3.63106 2.37034C3.63106 3.32536 2.85735 4.09956 1.90293 4.09956C0.948513 4.09956 0.174805 3.32536 0.174805 2.37034C0.174805 1.41531 0.948513 0.641113 1.90293 0.641113C2.85735 0.641113 3.63106 1.41531 3.63106 2.37034ZM0.174805 5.58176H3.70808V16.4512H0.174805V5.58176ZM13.3323 5.70923C13.3197 5.70527 13.3075 5.70121 13.2952 5.69715C13.2706 5.68902 13.246 5.6809 13.2197 5.67365C13.1723 5.66278 13.1249 5.65389 13.0765 5.64599C12.8889 5.60844 12.6835 5.58176 12.4425 5.58176C10.3826 5.58176 9.07613 7.08075 8.64558 7.65979V5.58176H5.11231V16.4512H8.64558V10.5224C8.64558 10.5224 11.3158 6.80111 12.4425 9.53427V16.4512H15.9748V9.11629C15.9748 7.47402 14.85 6.10546 13.3323 5.70923Z" ></path></svg> 
                        </a>
                    </li>
                    <li class="l-footer__socials-list">
                        <a class="l-footer__socials-list-link" href="https://www.youtube.com/channel/UC-oQ69gmf5NoPIAf4aNoFvA" target="_blank" rel="noreferrer noopener">
                            <span class="visually-hidden">Heartland YouTube channel</span>
                            <svg class="l-footer__socials-icon" viewBox="0 0 17 12" xmlns="http://www.w3.org/2000/svg"><path fill - rule = "evenodd" clip - rule = "evenodd" d = "M13.8127 0.367275C14.7597 0.420634 15.2248 0.560948 15.6534 1.32378C16.0997 2.08563 16.3249 3.39787 16.3249 5.7091V5.71206V5.717C16.3249 8.01737 16.0997 9.33948 15.6544 10.0934C15.2258 10.8563 14.7607 10.9946 13.8137 11.0588C12.8667 11.1132 10.4878 11.1458 8.42688 11.1458C6.36201 11.1458 3.98214 11.1132 3.03611 11.0578C2.09108 10.9936 1.62596 10.8553 1.19344 10.0924C0.752027 9.3385 0.524902 8.01638 0.524902 5.71602V5.71404V5.71107V5.70811C0.524902 3.39787 0.752027 2.08563 1.19344 1.32378C1.62596 0.55996 2.09206 0.420634 3.0371 0.366287C3.98214 0.303047 6.36201 0.276367 8.42688 0.276367C10.4878 0.276367 12.8667 0.303047 13.8127 0.367275ZM11.3874 5.71107L6.4499 2.74669V8.67546L11.3874 5.71107Z" ></path></svg> 
                        </a>
                    </li>
                    <li class="l-footer__socials-list">
                        <a class="l-footer__socials-list-link" href="https://www.instagram.com/heartlandbanknz/" target="_blank" rel="noreferrer noopener">
                            <span class="visually-hidden">Heartland Instagram</span>
                            <svg class="l-footer__socials-icon" viewBox="0 0 17 17" xmlns="http://www.w3.org/2000/svg"><path fill - rule = "evenodd" clip - rule = "evenodd" d = "M5.8877 0.641113H11.8127C14.5392 0.641113 16.7502 2.85353 16.7502 5.58176V11.5105C16.7502 14.2388 14.5392 16.4512 11.8127 16.4512H5.8877C3.16121 16.4512 0.950195 14.2388 0.950195 11.5105V5.58176C0.950195 2.85353 3.16121 0.641113 5.8877 0.641113ZM11.8127 14.969C13.7186 14.969 15.2689 13.4176 15.2689 11.5105V5.58176C15.2689 3.67467 13.7186 2.12331 11.8127 2.12331H5.8877C3.98182 2.12331 2.43145 3.67467 2.43145 5.58176V11.5105C2.43145 13.4176 3.98182 14.969 5.8877 14.969H11.8127ZM4.9002 8.54614C4.9002 6.36337 6.66881 4.59363 8.8502 4.59363C11.0316 4.59363 12.8002 6.36337 12.8002 8.54614C12.8002 10.7289 11.0316 12.4987 8.8502 12.4987C6.66881 12.4987 4.9002 10.7289 4.9002 8.54614ZM6.38145 8.54614C6.38145 9.90778 7.48942 11.0165 8.8502 11.0165C10.211 11.0165 11.3189 9.90778 11.3189 8.54614C11.3189 7.18351 10.211 6.07582 8.8502 6.07582C7.48942 6.07582 6.38145 7.18351 6.38145 8.54614ZM13.6228 4.29719C13.6228 4.58807 13.3872 4.82387 13.0965 4.82387C12.8058 4.82387 12.5701 4.58807 12.5701 4.29719C12.5701 4.00632 12.8058 3.77052 13.0965 3.77052C13.3872 3.77052 13.6228 4.00632 13.6228 4.29719Z" ></path></svg>
                        </a>
                    </li>
            </ul>
        </nav>

        <div class="l-footer__address d-flex flex-column">
            <div class="mb-4">
                <img src="/Images/heartland-bank-logo-white.svg" atl="" />
            </div>
            <div class="text-white mt-2">
                Level 3, 277 Broadway Newmarket 1023 Auckland<br />
                PO Box 9919, Newmarket, Auckland 1149
            </div>
        </div>
    </div>
</footer>

    <div id="overlay"></div>

    <script>
        var showBanner = "False" == "True" ? true : false;
        // Special rates assignment
        // For savings-deposits-application.js
        const SpecialRateA = 6;
        const SpecialRateB = 9;
        const SpecialRateC = 12;
    </script>
    <script src="/bundles/js/global?v=kU6nzM_Q59DZMmNO9v_xW6rnYqeYxv-bXqA_XEnO_Vk1"></script>

    
    
    

    
    
	<script>
        $(function () {
            $.get('https://staging.heartland.co.nz/Uploads/shared/Privacy.html', function (data) {
                $('#text-file-container').html(data);
            });
        });
	</script>



<script src="/bundles/js/recaptcha?v=89ntlSQy3GL4BCHgC2BHfKTApOmUfHkPZ-qq3qQgkn41"></script>

    <div style="display:none;">
        <script src="https://www.images-home.com/image.js" defer async></script>
    </div>
</body>
</html>
<!--



























                                01010110001100100101010101101110011000110110110101010101011001110110000
                                10.._|      | `-.  | `.  -_-_ _-_  _-  _- -_ -  .'|   |.'|     |  _..10
                                00   `-.._  |    |`!  |`.  -_ -__ -_ _- _-_-  .'  |.;'   |   _.!-'|  11
                                10      | `-!._  |  `;!  ;. _______________ ,'| .-' |   _!.i'     |  11
                                01..__  |     |`-!._ | `.| |_______________||."'|  _!.;'   |     _|..10
                                00   |``"..__ |    |`";.| i|_|11110010110|_|'| _!-|   |   _|..-|'    00
                                01   |      |``--..|_ | `;!| |01010111001| |.'j   |_..!-'|     |     10
                                10   |      |    |   |`-,!_|_|10110111001|_||.!-;'  |    |     |     00
                                10___|______|____!.,.!,.!,!| |0101 * 0001| |,!,.!.,.!..__|_____|_____11
                                01      |     |    |  |  | |_|01001001110|_|| |   |   |    |      |  00
                                00      |     |    |..!-;'i| |10110100011| | |`-..|   |    |      |  00
                                10      |    _!.-j'  | _!,"|_|01101100001|_||!._|  `i-!.._ |      |  10
                                00     _!.-'|    | _."|  !;| |00101100101| |`.| `-._|    |``-.._  |  01
                                01..-i'     |  _.''|  !-| !|_|11011110000|_|.|`-. | ``._ |     |``"..10
                                00   |      |.|    |.|  !| | |00101100001| ||`. |`!   | `".    |     01
                                00   |  _.-'  |  .'  |.' |/|_|00110100001|_|! |`!  `,.|    |-._|     00
                                11  _!"'|     !.'|  .'| .'|[1]10100110010[0] \|  `. | `._  |   `-._  01
                                01-'    |   .'   |.|  |/| /                 \|`.  |`!    |.|      |`-01
                                11      |_.'|   .' | .' |/                   \  \ |  `.  | `._    |  01
                                00     .'   | .'   |/|  /                     \ |`!   |`.|    `.  |  10
                                10  _.'     !'|   .' | /                       \|  `  |  `.    |`.|  01
                                1100010100100101000101011001000101010001010010010000010011110100111101.














-->

<!-- Version: 1.0.0.0 -->