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NOTICE. PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF. THIS AGREEMENT SHALL APPLY REGARDLESS OF THE MEANS BY WHICH THE SITE IS ACCESSED, INCLUDING, BUT NOT LIMITED TO, THROUGH THE URL ADDRESS http://www.justcallhome.com., ELECTRONIC MAIL, OR LINKS FROM ANOTHER SITE. FROM TIME TO TIME WE MAY REVISE THESE TERMS AND CONDITIONS. YOU ARE RESPONSIBLE FOR REGULARLY REVIEWING THESE TERMS AND CONDITIONS. YOUR CONTINUED USE OF THIS WEB SITE FOLLOWING ANY CHANGES SHALL CONSTITUTE YOUR ACCEPTANCE OF SUCH CHANGES. Except where otherwise expressly noted, all contents of this web site, including the pages, screens, text, graphics, icons, images, and overall appearance of the site, and the information and material therein and in their arrangement, are the sole and exclusive property of Home Federal Savings Bank ("Home Federal"). The information and materials contained in the site may not be copied, displayed, distributed, downloaded, licensed, modified, published, reproduced, reused, sold, or transmitted without the express written permission of Home Federal. The posting of the contents of the web site neither constitutes a waiver of any of Home Federal's proprietary rights or any other party's proprietary rights, including but not limited to, copyrights, trademarks, service marks, patents, and other intellectual property, nor a transfer by implication, estoppels, or otherwise of any such rights or of any license to the web site user or to any third party. You agree not to delete any copyright, trademark or similar notice from any contents you obtain from the web site. Trademarks or service marks of others that are referenced on our web site are the property of their respective owners. No part of these pages or screens may be copied (except as necessary for you to view those materials on your own computer), republished, redistributed, modified, or otherwise used or exploited by you, without our prior written consent.


USE OF INFORMATION AND MATERIALS. The information and materials contained in these pages - and the terms, conditions, and descriptions that appear - are subject to change at any time without notice. Home Federal may discontinue or make changes in the information, products or service described on this site at any time. Any dated information is published as of its date only. Home Federal reserves the right to terminate any or all web offerings without prior notice. Information about products and services that you do not already have with Home Federal is provided for informational purposes only and should not be considered as an offer to make those products and services available to you.  By offering information, products or services via this web site no solicitation is made by Home Federal to any person to use such information, products or services in jurisdictions where the provision of such products or services is prohibited by law, nor is solicitation made by Home Federal to any person who resides or is located outside of Home Federal’s geographic market areas. Your eligibility for particular products and services is subject to final Home Federal determination and acceptance.


SECURITIES LAW DISCLOSURE. Investment products and services, including but not limited to securities (including mutual funds and annuities) are not obligations of or guaranteed by Home Federal, are not bank deposits and are not insured by the FDIC or any other entity, and are subject to investment risks, including possible loss of the principal amount invested.


NO WARRANTY. The information and materials contained in this site, including text, graphics, pictures, logos, icons, links or other items – are provided “as is”, “as available”. Although Home Federal attempts to provide accurate, up to date information on this site, Home Federal does not warrant the accuracy, adequacy, or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. Use of this web site and its contents is at the user’s sole risk. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials. Some information provided to you through the use of the services on this web site may contain technical or other inaccuracies or omissions, typographical errors, and may become outdated. With regard to services or products purchased or obtained by the user from a non-Home Federal person or entity, Home Federal makes no warranty of merchantability or warranty of fitness for a particular purpose with regard to such services and products and Home Federal specifically disclaims all other warranties with regard to said services and products.


LIMITATION OF LIABILITY. In no event will Home Federal nor any other party involved in creating, producing, or delivering the site be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line or system failure, loss of data, or loss of use related to this web site, even if Home Federal, or representatives thereof, or by Internet browser providers, or by online service providers or by an agent or subcontractor of any of the foregoing, are advised of the possibility of such damages, losses or expenses. Hyperlinks to other Internet resources are at your own risk; the content, accuracy, opinions expressed, ideas, products, services, and other links provided by these resources are not investigated, verified, monitored, or endorsed by Home Federal. This site may contain links to other web sites on the Internet as an informational service to its readers, and not as an endorsement of the web site or of any product, service, or entity. All sites that may be accessed through this site are independent and are maintained by persons other than Home Federal employees and agents. Home Federal has no control over the contents of these linked sites. Home Federal has not reviewed all of the sites linked to this site and is not responsible for the contents, completeness, reliability, or suitability thereof of any other sites linked to this site and cannot vouch for the accuracy of the information contained in these linked sites. Home Federal makes no assurance as to the privacy, security, or authenticity of your communications with any linked sites and Home Federal disclaims responsibility for the privacy policies, customer information practices, and security mechanisms of third-party Internet sites hyperlinked to our site.


SUBMISSIONS. All information submitted to Home Federal via this site, including electronic mails, shall be deemed and remain the property of Home Federal and Home Federal shall be free to use, for any purpose, any ideas, concepts, know-how, or techniques provided by a web site user to Home Federal through this site. Home Federal shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the Home Federal entity having the direct customer relationship or as otherwise specifically agreed or required by law or within the limits of our privacy statement.


TRANSMISSIONS. Except where expressly indicated otherwise, transmissions to and from this web site or directed to Home Federal, including electronic mails, are not sent in a secure form and can be intercepted by third parties and may not be immediately received by the appropriate department at Home Federal. Please do not use electronic mail to send us communications that contain confidential information, which we require to be in writing, or which need our immediate attention. Please contact Home Federal at 1.888.489.5355 or write us at this address: Home Federal Savings Bank, 1016 Civic Center Drive NW, Rochester, Minnesota, 55901.
SEVERABILITY. If any provision of this agreement is void or unenforceable in any jurisdiction, such ineffectiveness or unenforceability shall not affect the validity of enforceability of such provision in another jurisdiction or any other provision in that or any other jurisdiction.
AREA OF SERVICE. The services described in this agreement are solely offered to citizens and residents of the United States of America. The United States Export Control laws prohibit the export of certain technical data and software to certain territories. No contents from this site may be downloaded or otherwise exported in violation of United States Law.


COLLECTION EXPENSES. If we have to file a lawsuit to collect whatever you owe us, you will pay our reasonable expenses, including attorney’s fees.


GOVERNING LAW. This agreement is governed by and interpreted in accordance with all applicable laws and regulations of the United States and of the State of Minnesota.
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