INVESTMENT PERFORMANCE

The performance of your investments plays a critical role in the ability to retire comfortably. Many plan providers use proprietary funds and limit fund family availability. When choices are limited performance can suffer.

At Heartland Financial, we believe in complete autonomy and independence in investment choices so that you get the very best funds available. We provide you with:

	Selection from the best performing funds in the industry.
	Use of top rated research firms like Morningstar and Bloomberg.
	Funds that carry no front or back-end sales loads or surrender charges.
	In-house Fund Selection and Due Diligence Process
	Socially Responsible Investment Options
	For individual stock choices...self-directed brokerage options are available

Technology
All of our plans include daily internet access. Your investment choices and the value of your account is available to you 24/7.

Heartland Financial USA, Inc. is dedicated to maintaining state-of-the-art technology and software systems. We are committed to providing administration flexibility, participant account access, flexible reporting, electronic data gathering, and full data retention with document imaging technology.