Community Reinvestment Act (CRA) rules and regulations require Heritage Bank NA make available a Public File composed of the content posted below. All content is made current as of April 1 each year.

CRA Performance Evaluation
CRA Public Performance Evaluation

Products and Services
Consumer Banking Products and Services
Consumer Fee Schedule
Commercial Banking Products and Services
Business Fee Schedule

Branch Listing
Branches and ATMs

Assessment Area Maps
Minnesota Assessment Area
South Dakota Assessment Area

Branches Opened and Closed
Bank Branches Opened and Closed

Loan to Deposit Ratio
Loan to Deposit Ratio

Public Comments and Responses
No current public comments.

Community Reinvestment Act Notice
Under the Federal Community Reinvestment Act (CRA), the Office of the Comptroller of the Currency (OCC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The OCC also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA. You may review today the public section of our most recent CRA evaluation, prepared by the OCC, and a list of services provided at this branch. You may also have access to the following additional information, which we will make available to you at this branch within five calendar days after you make a request to us: (1) a map showing the assessment area containing this branch, which is the area in which the OCC evaluates our CRA performance in this community; (2) information about our branches in this assessment area; (3) a list of services we provide at those locations; (4) data on our lending performance in this assessment area; and (5) copies of all written comments received by us that specifically relate to our CRA performance in this assessment area, and any responses we have made to those comments. If we are operating under an approved strategic plan, you may also have access to a copy of the plan.

If you would like to review information about our CRA performance in other communities served by us, the public file for our entire bank is available at Heritage Bank, N.A., located at 140 North Phillips Ave, Ste 101, Sioux Falls, SD 57104, or 110 South Street, W, Spicer, MN 56288.

At least 30 days before the beginning of each calendar quarter, the OCC publishes a nationwide list of the banks that are scheduled for the CRA examination for the next two quarters. This list is available from the OCC at Deputy Comptroller, 1050 17^th St., Suite 1500, Denver, CO 80265. You may send written comments about our performance in helping to meet community credit needs to Kate Seckinger, CRA Officer, Heritage Bank, N.A., 310 1^st Street SW, Willmar, MN 56201. You may also submit comments electronically through the OCC at [email protected]. Your letter, together with any response by us, will be considered by the OCC in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the OCC. You may also request from the OCC an announcement of our applications covered by the CRA filed with the OCC. We are an affiliate of Heritage Bancshares, a bank holding company. You may request from District Administration of National Banks, Federal Reserve Bank of Minneapolis 90 Hennepin Avenue, Minneapolis, MN 55401 an announcement of applications covered by the CRA filed by bank holding companies.

HMDA Disclosure
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions are also available at this Web site.