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                                            <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/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 (/website-terms-of-use)" />
                                                    <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="AAAAAAV8s5DIz7WldRbcr-3p3fblvAh_6qSihxGMJ0oiiCeVHCFjPbO82VBb3aGcbBIdVxmjlJ-sEmtDE0TVqQIzFeUKDZmTKUImru6GpmFuMa3Fv93MpHWWsunwTBu6UqQVofQ-A853oxw83tfK4tOs1Zvp--prg8Qtcc2tX3BRqeTUPw==" /><input type="hidden" name="as_fid" value="2d7fff26e525bf31fbf5ae35d84e827e02bf2a2d" /></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>

                        
                        <li class="nav-item nav-submenu-link">
                            <a href="/village-access-loans"
                               class="nav-link" data-test-id="products-village-loans">Village Access Loans</a>
                            <ul class="nav-submenu">
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/village-access-loans/what-is-a-village-access-loan" data-test-id='link-village-access-loans-what-is-a-village-access-loan'>What is a Village Access Loan?</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/village-access-loans/rates-fees" data-test-id='link-village-access-loans-rates-fees'>Rates, fees &amp; terms</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/village-access-loans/documents-forms" data-test-id='link-village-access-loans-documents-forms'>Documents &amp; forms</a>
                                        </li>
                                        <li class="nav-subitem">
                                            <a class="nav-link" href="/village-access-loans/common-questions" data-test-id='link-village-access-loans-common-questions'>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://digital.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 py-0"><p class="slider-menu__section-item-text my-auto">Savings &amp; Deposits</p></div>
                        <div class="col-2 pl-0 py-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 py-0"><p class="slider-menu__section-item-text my-auto">Reverse Mortgages</p></div>
                        <div class="col-2 pl-0 py-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 py-0"><p class="slider-menu__section-item-text my-auto">Car Loans</p></div>
                        <div class="col-2 pl-0 py-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 py-0"><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 py-0"><p class="slider-menu__section-item-text my-auto">Rural Loans</p></div>
                        <div class="col-2 pl-0 py-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 py-0"><p class="slider-menu__section-item-text my-auto">Home Loans</p></div>
                        <div class="col-2 pl-0 py-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--village-loan">
                <a class=" js-open-menu-village" data-test-id='products-village-loan'>
                    <div class="row">
                        <div class="col-10 py-0"><p class="slider-menu__section-item-text my-auto">Village Access Loan</p></div>
                        <div class="col-2 pl-0 py-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 py-0"><p class="slider-menu__section-title-text my-auto">About us</p></div>
                <div class="col-2 pl-0 py-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 py-0"><p class="slider-menu__section-title-text my-auto">Help</p></div>
                <div class="col-2 pl-0 py-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 py-0"><p class="slider-menu__section-title-text my-auto">Mobile app</p></div>
                <div class="col-2 pl-0 py-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://digital.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/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/term-pie" data-test-id='link-savings-and-deposits-term-pie'>Term PIE</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="/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/cash-pie" data-test-id='link-savings-and-deposits-cash-pie'>Cash PIE</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</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</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/#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 class="slider-menu__section-item
                        ">
                    <a href="/savings-and-deposits/depositor-compensation-scheme" data-test-id='link-savings-and-deposits-depositor-compensation-scheme'>Depositor Compensation Scheme</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 py-0"><p class="slider-menu__section-title-text my-auto">About us</p></div>
                <div class="col-2 pl-0 py-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 py-0"><p class="slider-menu__section-title-text my-auto">Help</p></div>
                <div class="col-2 pl-0 py-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://digital.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 py-0"><p class="slider-menu__section-title-text my-auto">About us</p></div>
                <div class="col-2 pl-0 py-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 py-0"><p class="slider-menu__section-title-text my-auto">Help</p></div>
                <div class="col-2 pl-0 py-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://digital.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 py-0"><p class="slider-menu__section-title-text my-auto">About us</p></div>
                <div class="col-2 pl-0 py-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 py-0"><p class="slider-menu__section-title-text my-auto">Help</p></div>
                <div class="col-2 pl-0 py-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://digital.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/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 (/website-terms-of-use)" />
                            <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="AAAAAAVYjymQm94EYViywDCuaFH9NaMxodCWnKRPRECUs0rHvmYo3e23-xcEHfr1fCBubQSxWupgvXD4HAaS47ByWoP_VLe6Bl86Vu3PlGTzWAJ5DXXgnyHqFNLZ6b87aUla6eEOrwqQ3H6JTedNGfYo81lUygS3bJWaYFZUYCHOWK4l_w==" /><input type="hidden" name="as_fid" value="2d7fff26e525bf31fbf5ae35d84e827e02bf2a2d" /></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 py-0"><p class="slider-menu__section-title-text my-auto">About us</p></div>
                <div class="col-2 pl-0 py-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 py-0"><p class="slider-menu__section-title-text my-auto">Help</p></div>
                <div class="col-2 pl-0 py-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://digital.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/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 py-0"><p class="slider-menu__section-title-text my-auto">About us</p></div>
                <div class="col-2 pl-0 py-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 py-0"><p class="slider-menu__section-title-text my-auto">Help</p></div>
                <div class="col-2 pl-0 py-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://digital.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 py-0"><p class="slider-menu__section-title-text my-auto">About us</p></div>
                <div class="col-2 pl-0 py-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 py-0"><p class="slider-menu__section-title-text my-auto">Help</p></div>
                <div class="col-2 pl-0 py-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://digital.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 py-0"><p class="slider-menu__section-title-text my-auto">About us</p></div>
                <div class="col-2 pl-0 py-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 py-0"><p class="slider-menu__section-title-text my-auto">Help</p></div>
                <div class="col-2 pl-0 py-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://digital.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 py-0"><p class="slider-menu__section-title-text my-auto">Help</p></div>
                <div class="col-2 pl-0 py-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://digital.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://digital.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 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="/village-access-loans">Village Access Loans</a>
            </li>
            <li class="slider-menu__section-item">
                <a href="/village-access-loans/what-is-a-village-access-loan">What is a Village Access Loan?</a>
            </li>
            <li class="slider-menu__section-item">
                <a href="/village-access-loans/rates-fees">Rates, fees & terms</a>
            </li>
            <li class="slider-menu__section-item">
                <a href="/village-access-loans/documents-forms">Documents & forms</a>
            </li>
            <li class="slider-menu__section-item">
                <a href="/village-access-loans/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 py-0"><p class="slider-menu__section-title-text my-auto">About us</p></div>
                <div class="col-2 pl-0 py-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 py-0"><p class="slider-menu__section-title-text my-auto">Help</p></div>
                <div class="col-2 pl-0 py-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 py-0"><p class="slider-menu__section-title-text my-auto">Mobile app</p></div>
                <div class="col-2 pl-0 py-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://digital.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>
</nav>

    </header>

    <main id="mainContent" class="body-content">
        


<section class="text-content">
    <div class="container-fluid text-container mt-5 mb-50">
        <h1>Website Terms of Use</h1>
        <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>
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