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1 Must meet all qualifiers: 15 debit card transactions posted and settled, minimum $100 total spend per statement cycle, enroll in eStatements, 1 ACH credit, minimum daily balance of $25.00 every day of the statement cycle.

2 Other consumer account relationships, this section, are based upon the Taxpayer Identification Number of the owner of this account. Additional account relationships are included when the owner of the account has an owner, owner/signer, joint owner, borrower or co-borrower relationship on related accounts. Relationships include checking, Money Market, savings, certificates of deposit, including Individual Retirement Accounts (IRAs,) and all outstanding principal balances on consumer loans serviced by Home Bank. Relationships exclude mobile home loans, “Interest Checking” (titled) accounts, and “Construction Checking” Accounts. Relationship balances are calculated at end of day prior to service charge cycle date.

3 eBanking Checking was designed to support electronic transactions only. Check writing is prohibited; however, checks processed through Home Bank’s Bill Pay will be honored. All other checks presented against the account will be returned “Refer to Maker.” Attempts to clear checks via the account may result in automatic closure and transfer to our Choice Checking Account.

4 Primary account holder is defined as any of the first three names listed on the account.