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Plan for the short term, save for the longer term.

Tax-advantaged and special purpose savings are two good ways to plan for your future expenses and future comfort. We can offer you a broad range of financial products and services to choose from. Here are two of our most popular investment products.

Individual Retirement Accounts	Health Savings Accounts
Do something good for your future with a Heritage Oaks Bank IRA.¹	Defray the cost of health care expenses with an HSA, while taking advantage of potential tax savings.²
For 2008, you can contribute up to a maximum of $5,000 (or up to $10,000 if married filing jointly with spousal IRA) per year At age 50 and older, you can contribute an additional $1,000 ($2,000 if married filing jointly with spousal IRA) per year All you need is an earned income equal to the amount you contribute IRA savings accounts are available for a low opening deposit of $100 IRA CDs are available in six, 12 and 24 month terms for an opening deposit of $1,000 Low $25 annual fee and $25 transfer or rollover fee for IRA Savings and IRA CD accounts Harness the power of compound earnings by deferring tax payments until retirement Pay taxes on your investments when you retire and your tax rate may be lower IRA contributions may be tax deductible the year the contribution is made; please consult with the IRS or your tax advisor for further information	NO setup charge; NO monthly fees Earn interest on all balances over $1.00 Check card with no annual fee Free direct deposit setup Free online banking Available for individuals and family plans Low opening deposit of $100 Unlimited withdrawals for approved expenses³ If you don't need the funds to pay medical expenses, your money can remain in the account as tax-advantaged savings.

1	You must be under age 70-1/2 in the contribution year to contribute. Variable interest rates could change daily at bank discretion. Refer to the Heritage Oaks Bank Account Services & Miscellaneous Pricing Schedule for additional disclosures.
2	To qualify for an HSA, you must be 18 or over, and covered by a High-Deductible Health Plan (HDHP). You are ineligible for an HSA if you are covered by any health insurance plan other than an HDHP, have applied for Social Security benefits, receive Medicare benefits or are claimed as a dependent on another person's tax return. There are no income limits to qualify for an HSA, and your contributions do not need to come from employment earnings. You can make deposits from personal savings, dividends, and unemployment or welfare benefits.
3	Up to the amount of your current and prior contribution. The limit for 2008 is $2,900 for single coverage and $5,800 for a family plan. For additional information, please visit www.heritageoaksbank.com or speak with a Financial Services Representative.