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1 The earnings credit rate is set based on the average collected balance for the statement period. This rate is then applied to the average collected balance (less Federal Reserve Requirement of $10 per $100.) The higher the collected balances maintained, the higher the earnings credit rate. Home Bank reserves the right to change the earnings credit rate at any time. Earnings credit does not constitute an interest payment and is not carried over from month to month. The earnings credit over and above monthly analysis charges are not subject to credit back. The earnings credit rate and analysis charge schedule are available upon request. Any negative collected balance is collected at Prime + 2%.

2 Transaction are defined as credits, debits and deposited items.