SCHEDULE OF FEES

The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account.

The Bank reserves the right to change fees with 30 days written notice to the customer.

Overdraft Products:

Allowable Overdrafts:

To qualify:

• Account must be open for 90 days with no overdrafts or non-sufficient funds transactions
• $1,000 in aggregated deposits
• Be a consumer account
• Account holder must not be in default on any loan obligation to HOMEBANK
• The account is not subject to any legal or administrative order or levy

Payment of overdrafts up to $250.00 will normally be considered. Rather than automatically returning unpaid any insufficient funds item that you may have, we will consider, without obligation on our part, payment of your reasonable overdrafts. Consumers are expected to promptly return the account to a positive balance.

We will charge our normal non-sufficient funds or overdraft charge, as set forth in our fee schedules, for each item that would create an overdraft on your account. A continuous overdrawn balance fee of $3.00 will apply after the 3rd consecutive business day with a  negative account balance of $5.00 or more. We will not charge for ATM withdrawals or POS (Point of Sale) transactions or VISA check card debits unless you have granted us permission by opting in. Your opt-in choice may be revoked by you at any time. If you choose not to opt-in and your account is overdrawn more than two times in one month by ATM or POS transactions, we reserve the right to cancel your debit card.

Safeline Cash Reserve

This is a credit qualified service. To qualify for this product, contact the Loan Department.

• Advances in $100.00 increments up to the approved credit limit. In the case $100 is not available, it will take the remaining balance available in the cash reserve  account.
• The rate is to be determined at the time of application.
• Payments are calculated at 10% of balance.
• A minimum payment of $25.00 per month, with the payment automatically deducted from your checking account.
• Annual fee of $15.00 will be deducted from your checking account automatically. A transfer fee of $7.50 per use will be deducted form your checking account automatically.

Automatic Transfer from Savings

• Available for transfer from savings or checking accounts to checking accounts. Limit of 6 transfers per month for savings accounts. Unlimited transfers per month for checking accounts.
• Transfers will be conducted in increments of $100.00, if available. A $5.00 Funds Transfer Fee will be charged for each transfer. If $100.00 is not available, but account balance will cover overdraft amount, the needed funds will be transferred and a $5.00 Funds Transfer Fee will be charged. If account balance will not cover overdraft amount, a partial transfer will be conducted with no Funds Transfer Fee.
• $5.00 Transfer Fee automatically deducted from checking account, associated with related account(s)
• Eligible accounts include: consumer and sole-proprietorships