Freemasons New Zealand is not a promoter of and does not guarantee
the obligations of Heartland Bank Limited in relation to Heartland
Bank deposits.

Heartland Bank is a subsidiary of Heartland New Zealand Limited (HNZ).
HNZ does not guarantee the obligations of Heartland Bank in relation
to deposits.

For further details about Heartland Bank, Heartland Bank deposits
and the Freemasons Deposit Scheme, see Heartland Bank Limitedís
General Disclosure Statement, Term Deposits Investment Statement and
Account and Services General Terms and Conditions, which are available
at or call 0508 FREEMASONS (0508 373 362).

The total assets of Heartland Bank were $2.34b and the total
liabilities of Heartland Bank were $1.97b as at 30 June 2012. These
amounts have been taken from Heartland Bankís statement of financial
position as at 30 June 2012, which is included in the audited financial
statements of Heartland Bank for the year ended 30 June 2012 and are
calculated as at that date.