Heartland Agricultural Bank - Realistic Loan System

Heartland Agricultural Bank expands the basic loan system into a realistic agricultural banking experience.

Controls
B - Open or close the bank
NUMPAD 7 / 9 - Previous or next banking tab
NUMPAD 8 / 2 - Move up or down
NUMPAD 4 / 6 - Adjust choices, statements, and inbox messages
ENTER - Confirm or submit
NUMPAD 1 - Extra $10,000 principal payment
NUMPAD 3 - Full loan payoff
NUMPAD 5 - Open customer services
NUMPAD 0 - Close the bank

Current Features
• Six agricultural loan products
• Loan application and approval system
• Named agricultural loan officers
• Farm credit score system
• Asset-based borrowing eligibility
• Credit-based fixed APRs and dynamic prime rate
• Automatic amortized monthly loan payments
• Persistent loan/payment data across saves and restarts
• Monthly loan statements
• Secure banking inbox
• Application and origination fees
• Late fees and past-due accounts
• Collections and default progression
• Restrictions on new financing while delinquent
• Customer relationship tiers and rewards
• Payment protection insurance
• Payment deferral requests
• Loan refinancing
• Extra principal payments
• Full early payoff

Account Delinquency
1 missed payment: Past Due
2 missed payments: Collections
4 missed payments: Default
Late fees are 5% of the monthly payment, with a $75 minimum and $2,500 maximum where applicable.