Home Federal Savings Bank

Disclosures:
The Occasional Overdraft Protection Service does not constitute an actual or implied agreement between the customer and Home Federal Savings Bank (hereafter known as "Bank"). Nor does it constitute an actual or implied obligation of or by the Bank. This service represents a purely discretionary courtesy or privilege that the Bank may provide to the customer from time to time, and which may be withdrawn or withheld by the Bank at any time without prior notice, reason or cause. It is the policy of the Bank to comply with all applicable laws and regulations and to conduct business with applicable safety and soundness standards. The Depositor's Account Agreement controls the duties, obligations and rights of the Depositor, the Authorized Signatories and the Bank with regard to your checking account. We are not obligated to pay any item presented for payment if your account does not contain sufficient collected funds. Rather than automatically returning, unpaid, any non-sufficient funds items that you may have, if your eligible account (primarily used for personal, family or household purposes) has been open for at least thirty (30) days and thereafter you maintain your account in good standing, which includes at least: (A) Continuing to make deposits consistent with your past practices, and depositing at least $500 or more in your account within each thirty (30) day period, (B) You are not in default on any loan obligation to the Bank, (C) You bring your account to a positive balance (not overdrawn) at least once every thirty (30) days, and (D) Your account is not the subject of any legal or administrative order or levy, we will consider, without obligation on our part, approving your reasonable overdrafts. This discretionary service will generally be limited to a $500 overdraft (negative) balance. Of course, any and all Bank fees and charges, including without limitation our non-sufficient funds/overdraft fees of $27 per item presented (as set forth in our fee schedule) will be included in this limit. The total amount of any overdrafts plus any and all Bank fees is due and payable on demand, and Depositor and each authorized Signatory will continue to be liable for such amounts, as described in the depositors account Agreement. Overdrafts are approved on your account for checks, withdrawals, ATM withdrawals, electronic transactions, and any purchases you make with your Visa Check Card. Limitations: Oops! is only available to eligible personal checking accounts used primarily for personal, family or household purposes. (Business Accounts, Money Market and Savings accounts, Public funds accounts are not eligible.)