HEARTLAND AGRICULTURAL BANK v1.0.0.0
Financing the Future of Agriculture
Created by NuclearTony Mods

FIRST PUBLIC RELEASE

Heartland Agricultural Bank expands Farming Simulator 25's basic loan system into a realistic agricultural banking experience.

INSTALLATION
1. Remove all earlier Heartland Agricultural Bank test/development ZIP files from your mods folder.
2. Place this ZIP directly into Documents\My Games\FarmingSimulator2025\mods
3. Enable the mod when loading your save.
4. Back up important savegames before installing or updating script mods.

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.

NOTES
This public release is menu-only

Thank you for supporting NuclearTony Mods!
