Courtesy Overdraft Statement

The occasional Overdraft Protection Service does not constitute an actual or implied agreement between the client and Home Federal Savings Bank (hereafter known as "Home Federal"), nor does it constitute an actual or implied obligation of or by Home Federal. This service represents a purely discretionary courtesy or privilege that Home Federal may provide to the client from time to time and which may be withdrawn or withheld by Home Federal at any time without prior notice, reason or cause.

It is the policy of Home Federal to comply with all applicable safety and soundness standards. The Depositor's Account Agreement controls the duties, obligations and rights or the Depositor, the Authorized Signatories and Home Federal 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 one hundred eighty (180) days and thereafter you maintain your account in good standing, which includes at least: (A) Continuing t make deposits consistent with your past practices, and depositing at least $1,000 or more in your account within each thirty (30) day period, (B) You are not in default on any loan obligation to the Bank, and (C) 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 overdraft. This discretionary service will generally be limited to a $250 overdraft (negative) balance. Of course, any and all Bank fees and charges, including without limitation our non-sufficient funds/overdraft fees (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.

Limitations: OOPS is only available to eligible personal checking accounts used primarily for personal, family or household purposes. (Business Accounts, Money Market, Savings Accounts, and Public Funds accounts are not eligible).