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Choice Checking:

*ATM Fees: No charge at Home Bank, Dolphin Debit and Community Cash Network ATMs. In addition, fees for all other ATM transactions will be refunded up to a maximum combined total of $10.00 per account, per statement cycle, for owners age 24 and under. Includes foreign ATM charges and Home Bank surcharges, combined. A "primary account holder" is defined as any of the first three names listed on an account.

Interest Checking:

Ask your account representative for the most current interest rates and annual percentage yields. The interest rate and Annual Percentage Yield (APY) for your account depend upon the applicable rate tier and can change at any time at our discretion. This is a variable rate account. Interest will be compounded daily and credited to your account at statement cycle. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items, (for example, checks). You must maintain a minimum balance in the account each day, and maintain the services required, to obtain the corresponding APY. We reserve the right to require not less than 7 days' notice in writing, prior to each withdrawal.

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.

*Waived if consumer account relationships you have with us total $15,000.00 at end of day, prior to service charge cycle date.

eBanking Checking:

*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.