3/13/2023

Dear HOMEBANK Customers,

Reading and watching the news from the past few days has made it clear: the voice of community banking, the voice of reason and historic stability and resiliency, needs to be heard.

To address your concerns, answer your questions, provide peace of mind, and educate you about the community banking difference, we want to remind you:

• HOMEBANK remains well capitalized and well positioned to continue to serve our customers and community. We were chartered almost 90 years ago and expect to serve this community for generations to come.
• As our customer, you have access to our experienced team, and we stand ready to assist you at all times with any of your questions or concerns.
• We take pride in our relationship-based business model focused on building long-term trust with our customers. After all, we live in your community too, and your success is our success.
• Nobody has ever lost a dime of FDIC-insured deposits up to $250,000. In fact, the FDIC committed to cover 100% of uninsured deposits in the recent bank failures.

If you have questions about your coverage or would like to learn more about FDIC insurance and how it works, we encourage you to visit the FDIC webpage at www.fdic.gov/resources/deposit-insurance or call us 855-577-2001.

We want to reassure you that HOMEBANK is a very strong bank with strong capital and liquidity positions with very little exposure to the unrecognized loss accounting that significantly impacted the failed banks.

Thank you for your continued support.

Sincerely,

Joe Thomas, HOMEBANK Chairman of the Board and CEO