• Non-Interest Bearing Accounts
• Interest Bearing Accounts
• Certificate of Deposit Accounts
• Individual Retirement Accounts

Home State Bank
Non-Interest Bearing Accounts

E-Free Checking

Minimum of $25.00 to open
No minimum balance
No service charge assessed
E-Statements sent rather than paper statements

Free Checking

Minimum of $25.00 to open
No minimum balance
No service charge assessed
Requires duplicate checks

Golden Checking (age 62 or older)

Minimum of $25.00 to open
No service charge assessed

Personal Basic Checking

Minimum of $25.00 to open
No service charge is imposed as long as the daily balance of $400.00 is maintained.

If the above $400.00 balance is not maintained, a service charge of $10.00 will be assessed ($8.00 with E-Statements).

Business Basic Checking

Minimum of $100.00 to open
No service charge is imposed as long as the daily balance of $500.00 is maintained.

If the above $500.00 balance is not maintained, a service charge of $10.00 will be assessed ($8.00 with E-Statements).

Home State Bank
Interest Bearing Accounts

All interest bearing transactional accounts are subject to interest rate changes at the discretion of the bank. Rates are current as of November 1, 2012.

Fees assessed may reduce earnings.

Personal Now Checking

Minimum of $100.00 to open

Daily Balances of:	Interest Rate	**APY
up to $1,999.99	0.05%	0.05%
$2,000.00 - $24,999.99	0.10%	0.10%
$25,000.00 and up	0.15%	0.15%

Interest paid monthly.
If the daily balance falls below $1,000.00, a service charge of $10.00 will be assessed ($8.00 with E-Statements).  No service charge is assessed if a daily balance of $1,000.00 is maintained.

Business Now (Non-Corp)

Minimum of $100.00 to open

Daily Balances of:	Interest Rate	**APY
up to $1,999.99	0.05%	0.05%
$2,000.00 - $24,999.99	0.10%	0.10%
$25,000.00 and up	0.15%	0.15%

Interest paid monthly.
If the daily balance falls below $1,000.00, a service charge of $10.00 will be assessed ($8.00 with E-Statements).  No service charge is assessed if a daily balance of $1,000.00 is maintained.

Non-Profit Organization

Minimum of $25.00 to open
A service charge of $1.00/mo is assessed if a daily balance falls below $25.00.

Savings

Minimum of $25.00 to open

Daily Balances of:	Interest Rate	**APY
up to $1,999.99	0.05%	0.05%
$2,000.00 - $24,999.99	0.10%	0.10%
$25,000.00 and up	0.15%	0.15%

Interest paid quarterly.
If the daily balance falls below $100.00 any day of the quarter, a $1.00 service charge will be assessed.

Money Market Savings

Minimum of $100.00 to open

Daily Balances of:	Interest Rate	**APY
up to $1,999.99	0.10%	0.10%
$2,000.00 - $24,999.99	0.15%	0.15%
$25,000.00 and up	0.20%	0.20%

Interest paid monthly.
If the daily balance falls below $2,000.00, a service charge of $10.00 will be assessed ($8.00 with E-Statements).  No service charge is accessed if a daily balance of $2,000.00 is maintained.

**APY=Annual Percentage Yield based on a calendar year.

Home State Bank
Certificate of Deposit Accounts

Home State Bank offers a variety of fixed-rate time deposits. See the chart below for current rates and minimum balances.

*A penalty may be imposed for early withdrawal.
**APY=Annual Percentage Yield based on a calendar year.

Home State Bank
Individual Retirement Accounts

Traditional IRA – The traditional IRA is an account which allows account holders to defer taxes on earnings until they are withdrawn. Also, certain contributions are tax deductible in the year they are made.

Roth IRA – The Roth IRA is a nondeductible account that features tax-free withdrawals for certain distribution reasons after a five-year holding period. Since Roth IRA contributions are nondeductible and taxed in the year they are earned, people who expect to be in a higher tax bracket when they retire may benefit more from these accounts than from a traditional IRA.

Both IRA products are held in certificates of deposit. See rate chart below. 

 *A penalty may be imposed for early withdrawal.
**APY=Annual Percentage Yield based on a calendar year.