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 HNB Visa^®
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 Deposit Rates

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 IRA Rates

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 Service Fees

Personal Services

At Home National Bank, we believe that banking is personal. We believe it’s important to take the time to talk with you about the many issues that affect your finances and your future. Once we’ve gotten to know you, we’ll work to match you with the product or service that is right for your needs, from checking and savings accounts to mortgages and home equity loans. Your satisfaction is our top priority. That’s why we’ve assembled the following information about the products and services we offer—so you have everything you need to make an informed decision.

Some of the convenient services we offer to all our checking account customers include:

• Unlimited check writing
• Free monthly imaged statements
• Free HNB Visa check card
• Free safekeeping of checks
• Free online banking with Bill Pay available upon request
• E-statement and combined statement upon request
• Free notary service
• Free photocopies (limit of 10 per month)

Come Home to better banking.

HomeFree Package offers a free checking account and a variety of basic banking services. Customers that previously had Home Made checking accounts have been moved to Home Free, with all the same features and no monthly service charge.

Home Free Checking offers free checking with unlimited check writing, no minimum balance requirement, no monthly service charge and free safekeeping of checks. Online banking is available at no charge and optional Bill Pay service is also free.

Home Savings is recommended for savings balances less than $5,000. Interest is compounded and paid quarterly.

Free Online Banking – Free access to your accounts and the movement of funds 24 hours a day, 7 days a week. Save time, money and stamps by using our free Bill Pay service.

HNB Visa^® Check Card – Use anywhere Visa is accepted. Purchases are automatically deducted from your checking account and conveniently detailed on your monthly statement. Withdraw cash from any ATM plus there’s no fee for withdrawals made at any HNB or Fifth Third Bank ATM.

Overdraft Privilege Protection* – $600 after the account has been opened for 62 days. Overdraft fees apply.

Combined Statements – Upon request, checking and savings statements can be combined into one monthly statement.

E-Statement – Upon request, checking and savings statements can be sent via e-mail.

Installment Loan Discount* - Enjoy a .25% discount on any installment loan when you autopay from your Home Free checking account.

Mortgage Loan Savings* – Choose to have your mortgage payment deducted automatically each month and we’ll take $100 off the closing costs of your loans.

Home Equity Loans/Lines of Credit* - No closing costs with a HNB Home Equity Loan/Line.

*Available to qualified customers only

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HomeGreen Package is for customers that take advantage of the convenience of electronic banking features.

Home Green Checking earn $.30 on each Visa Check Card purchase of $25 or more, free checking with unlimited check writing, no minimum balance, no monthly service charge, e-mail monthly image statement. Online banking is available at no charge and optional Bill Pay service is also free.

Home Savings is recommended for savings balances less than $5,000. Interest is compounded and paid quarterly.

Free Online Banking – Free access to your accounts and the movement of funds 24 hours a day, 7 days a week. Save time, money and stamps by using our free Bill Pay service.

HNB Visa^® Check Card – Earn $.30 on purchases $25 and over. Use anywhere Visa is accepted. Purchases are automatically deducted from your checking account and conveniently detailed on your monthly statement. Withdraw cash from any ATM plus there’s no fee for withdrawals made at any HNB or Fifth Third Bank ATM.

Overdraft Privilege Protection* – $600 after the account has been opened for 62 days. Overdraft fees apply.

Combined Statements – Upon request, checking and savings statements can be combined into one monthly statement.

E-Statement – Home Green accounts require the monthly image statement to be delivered via e-mail.

Certificate of Deposit Bonus – We’ll add .10% over our normal competitive CD interest rate when you bring in new CD money and have the Home Green checking account with us. No bonus is available on CD specials.

Installment Loan Discount* - Enjoy a .25% discount on any installment loan when you autopay from your Home Green checking account.

Mortgage Loan Savings* – Choose to have your mortgage payment deducted automatically each month and we’ll take $100 off the closing costs of your loans.

Home Equity Loans/Lines of Credit* - No closing costs with a HNB Home Equity Loan/Line.

*Available to qualified customers only

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HomePlus Package is for customers who keep higher balances in the bank and want to receive interest on these funds.

Home Plus Checking is an interest bearing account and offers unlimited check writing and no monthly fee if a balance of $1,000 or higher is maintained during the entire month. If the balance drops below $1,000 during the month, the service charge is $10. Online banking with free Bill Pay option is available. Interest will be compounded and paid monthly on all balances.

Home Tiered Savings is recommended for balances of $5,000 or greater. Interest rates are tiered and will increase as the balance in the account gets larger. Interest will be compounded and paid monthly on all balances. See below or give us a call for current rates.

Free Online Banking – Free access to your accounts and the movement of funds 24 hours a day, 7 days a week. Save time, money and stamps by using our free Bill Pay service.

HNB Visa^® Check Card – Use anywhere Visa is accepted. Purchases are automatically deducted from your checking account and conveniently detailed on your monthly statement. Withdraw cash from any ATM plus there’s no fee for withdrawals made at any HNB or Fifth Third Bank ATM.

Overdraft Privilege Protection* – $1,000 after the account has been opened for 62 days. Overdraft fees apply.

Combined Statements – Upon request, checking and savings statements can be combined into one monthly statement.

E-Statement – Upon request, checking and savings statements can be sent via e-mail.

Certificate of Deposit Bonus – We’ll add .15% over our normal competitive CD interest rate when you bring in new CD money and have the Home Plus checking account with us. No bonus is available on CD specials.

Installment Loan Discount* - Enjoy a .25% discount on any installment loan when you autopay from your Home Plus checking account.

Mortgage Loan Savings* – Choose to have your mortgage payment deducted automatically each month and we’ll take $200 off the closing costs of your loans.

Home Equity Loans/Lines of Credit* - No closing costs with a HNB Home Equity Loan/Line.

*Available to qualified customers only

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HomeGrand 55 Package is for customers age 55 and better who keep higher balances in the bank and want to receive higher interest rates on these funds.

Home Grand 55 Checking offers a tiered rate interest, unlimited check writing and no monthly fee if a balance of $1,000 or higher is maintained. If the balance drops below $1,000 during the month, the service charge is $12. Online banking with free Bill Pay option is available. Interest will be compounded and paid monthly on all balances.

Home Tiered Savings is recommended for balances of $5,000 or greater. Interest rates are tiered and will increase as the balance in the account gets larger. Interest will be compounded and paid monthly on all balances. See below or give us a call for current rates.

Free Online Banking – Free access to your accounts and the movement of funds 24 hours a day, 7 days a week. Save time, money and stamps by using our free Bill Pay service.

HNB Visa^® Check Card – Use anywhere Visa is accepted. Purchases are automatically deducted from your checking account and conveniently detailed on your monthly statement. Withdraw cash from any ATM plus there’s no fee for withdrawals made at any HNB or Fifth Third Bank ATM.

Overdraft Privilege Protection* – $1,000 after the account has been opened for 62 days. Overdraft fees apply.

Combined Statements – Upon request, checking and savings statements can be combined into one monthly statement.

E-Statement – Upon request, checking and savings statements can be sent via e-mail.

Certificate of Deposit Bonus – We’ll add .15% over our normal competitive CD interest rate when you bring in new CD money and have the Home Grand 55 checking account with us.

Installment Loan Discount* - Enjoy a .25% discount on any installment loan when you autopay from your Home Grand 55 checking account.

Mortgage Loan Savings* – Choose to have your mortgage payment deducted automatically each month and we’ll take $200 off the closing costs of your loans.

Home Equity Loans/Lines of Credit* - No closing costs with a HNB Home Equity Loan/Line.

No Fee Cashier’s Checks – (limit 12 per year)

Free Club Checks – Get 2 free boxes of club checks each year or a 10% discount on upgrades.

Free Safe Deposit Box – A 3 x 5 box at no cost or a $10 credit on an upgrade.

No Fee Visa Gift Cards – Buy HNB Visa gift cards for any occasion.

*Available to qualified customers only

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Home National Bank Checking Accounts

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Home National Bank Savings Accounts

Home Savings
• Recommended for balances of less than $5,000
• $20 minimum balance to open account
• Three withdrawals per month at no charge, excess withdrawal fee of $1 each after 3
• Interest will be compounded and paid quarterly on all balances
• See below for current rates or call 765-436-2222

Home Tiered Savings
• Recommended for balances of $5,000 or greater
• $20 minimum balance to open account
• Interest will be compounded and paid monthly on all balances
• See below for current rates or call 765-436-2222

Home Grown Kids Club Savings
• All youth are eligible up to 18 years of age or age 22 with proof of student status
• Account earns 2.22% A.P.Y. interest paid quarterly
• $10 minimum opening deposit
• Three withdrawals per month at no charge, excess withdrawal fee of $1 each after 3
• All new accounts receive a free piggy bank in addition to a $10 deposit into their Home Grown Kids Club Savings account
• Youth savings accounts presently with HNB may be converted to a Home Grown Kids Club Savings by visiting a HNB Customer Service Representative to complete the necessary paperwork. All present account holders converting will receive a free HNB piggy bank.

Certificates of Deposit
Invest in a Home National Bank certificate of deposit with as little as $1,000. Certificate of deposit terms range from 90 days to 5 years. We frequently offer CD Rate Specials. Also, with a Home Green, Home Plus or Home Grand 55 checking account, you are eligible to earn a bonus on all normal CD rates (excludes special CDs).

Individual Retirement Accounts
Home National Bank offers a variable rate IRA that changes rates quarterly. The rate is based on the 30 Month CD.

Health Savings Accounts
See a HNB Health Savings Account specialist for details or click on the link for more information.

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Home National Bank Online Banking

Enjoy the convenience of 24 hour access to your bank accounts. With our secure system, you can take advantage of all the features Online Banking offers:

• Secure access to all your HNB accounts to check balances and see transaction history
• CheckFree Bill Pay option available at no charge to all customers.
• Transfers between HNB checking & savings accounts and to make HNB loan payments
• Online stop payments requests
• Online check reorders
• Download account information to use in account software packages
• Secure email allows you to send inquiries directly to bank personnel

It’s easy and convenient to use. Please contact us if you have any questions or need assistance.

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HNB Visa® Check Card

Report lost or stolen HNB Visa® Check Cards anytime by calling 800-528-2273

Instead of writing a check to pay for a purchase, use a HNB Visa® Check Card. The amount of the purchase is deducted from your checking account and detailed on your monthly statement. It’s quick, easy and safe.

You can use the HNB Visa® Check Card anywhere Visa is accepted. You can use it for almost anything including: gas, groceries, restaurants, stores, catalog-internet-phone orders, just to name a few.

For your protection, HNB Visa® Check Cards are issued with a preset limit of $1,000 per day for purchases (gas stations, grocery stores, restaurants, et.) and $500 for cash withdrawals. Limits can be raised by contacting the bank at 765-436-2222.

In addition, the HNB Visa® Check Card is also monitored by a fraud prevention service that will block access to the card if fraudulent use is suspected. The service will attempt to contact the cardholder to verify the use or will keep the card blocked to prevent further use until we talk with the customer.

The HNB Visa® Check Card also allows access your account(s) by ATM using your Personal Identification Number (PIN) to:

• Make cash withdrawals from checking or savings account(s)
• No fee withdrawals at ATM’s at HNB or Fifth Third Banks.
• Transfer funds between HNB accounts
• Obtain information about account balances
• Change your PIN at HNB’s ATM or call customer service for assistance.

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HNB Overdraft Privilege Protection*

Unanticipated expenses or mathematical errors can leave your checking account short of cash. In addition, having a check returned due to insufficient funds is terribly embarrassing.

We have created HNB Overdraft Privilege as a special privilege for our checking account holders. If we receive a check, or checks, which will overdraw the balance on your account, we will – at our discretion – strive to pay them up to the limit assigned to your account.

Manage you finances carefully, but know that if something unexpected happens with your account, the HNB Overdraft Privilege may help you avoid the embarrassment of returned checks.

Overdraft Privilege Limits:

• Home Grand 55 – has a limit of $1,000
• Home Plus – has a limit of $1,000
• Home Green – has a limit of $600
• Home Free – has a limit of $600

HNB Overdraft Privilege has no annual fees, but each item processed that causes your account to be overdrawn will be assessed an overdraft fee of $28.00 (limit of $56.00 per day).

To qualify for HNB Overdraft Privilege, a checking account must:

• Have been opened for at least 62 days
• Have deposits totaling at least $300 every 31 days
• Not be in a negative balance longer than 30 days
• Not be the subject of any legal or administrative order or levy
• The account holder may not be in default on any loan obligation to the bank
• The account holder must be at least 18 years of age.

Please contact a customer service representative if you have questions regarding HNB Overdraft Privilege.

*Available to qualified customers only

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Home National Bank Mortgage Loans*

Home National Bank uses a unique, risk-based pricing index to determine the rate you will receive on your mortgage loan. The rate is determined by your credit beacon score, your debt to income ratio, and the loan to value ratio for the property.

We will loan up to 90% of the purchase price or the appraised value of the property and we do not require that you purchase private mortgage insurance (PMI). Our mortgage loan terms are from 1 – 30 years. Many times our rates are lower than the published market rates. You can save an additional $100 on closing costs when you have your payment deducted automatically from either a Home Free or Home Green checking account or $200 on closing costs when you have your payment deducted automatically from a Home Plus or Home Grand 55 checking account.

We offer construction mortgage loans on one to four family residential properties. The risk-based pricing index described above is also utilized to determine this rate. Terms are flexible depending upon your personal building circumstances.

*Available to qualified customers only

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Home National Bank Installment Loans*

You can receive a .25% discount on our already low installment loan rates when you have your monthly payment deducted automatically from any HNB checking account.

Home National Bank uses a unique, risk-based pricing index to determine the rate you will receive on your installment loan. The rate is determined by your credit beacon score, your debt to income ratio and the loan to value of the asset used as collateral.

Automobile Loans*– You can borrow up to 90% of the value of your vehicle which is five years old or newer. Terms range from 24 – 60 months. Loans above 90% may be made to those who qualify.

Certificate of Deposit Loans*– You can borrow at 2% above your CD rate for a term equal to your CD to avoid paying early withdrawal penalty. You will also retain your deposit investment.

Unsecured Loans*– Unsecured loans range from one to four years. The minimum loan amount is $500.

*Available to qualified customers only

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Home Equity Lines of Credit

EZ Home Equity Lines of Credit*

• Lines of Credit to 90% of Appraised Value
• No Closing Fees on loans for 80% or less of Appraised Value
• Interest only payments to qualified borrowers
• You can draw on the line of credit with a check or a debit card
• Annual Fee waived for the first year
• Line is open for 10 years, then outstanding balance is converted to a 10 year amortization
• A flat prepayment fee of $225 will be assessed if closed in the first three years
• Interest rates can start at .25% below prime to qualified borrowers
• Option convert the outstanding balance to a fixed rate of interest anytime during the first 10 years

*Available to qualified customers only

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Home National Bank Single Pay Loans*

If you are expecting a large sum of money at one time, but need a short-term loan until it comes in, Home National has a consumer product to offer you where you may pay interest monthly and pay the full principal back at maturity.

*Available to qualified customers only

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Home National Bank Deposit Rates

Rates as of 11/1/2008

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Certificates of Deposit

Rates as of 1/1/2009

Call (765) 436-2222 for rates for CDs over $100,000.

Rates are subject to change.
Stop by or call (765) 436-2222 for the most current rates.

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Home National Bank CD Specials

Rates as of 1/1/2009

Call (765) 436-2222 for rates for CDs over $100,000.

Rates are subject to change.
Stop by or call (765) 436-2222 for the most current rates.

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Individual Retirement Accounts
Rate changes quarterly based on 30 Month CD rate

Rates effective 1/1/2009 through 3/31/2009

Annual Percentage Yield assumes interest remains on deposit until maturity. Withdrawal of interest will reduce earnings.

Penalty for early CD withdrawal:
• CD maturing in 1 year or less – penalty is 3 months of interest earned or would have been earned.
• CD maturing in over 1 year – penalty is 6 months of interest earned or would have been earned.

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Home National Bank Safe Deposit Rental

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Home National Bank Service Charges

The following charges may be assessed against your HNB account:

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