_{**Will not earn interest for days account under $100.}

_{***Interest rate changes subject to change at the beginning of every interest paying period (monthly or quarterly) without notice.}

_{****Customer has the option of raising RATE and APY if increase occurs for this class of CD at Home Savings and Loan. Requests must be in writing and are limited to once each calendar year.}

_{Interest is paid on renewing CD's during the grace period at the current rate then in effect.}

_{Any certificate accounts falling below the minimum balance to open will be closed and funds forwarded to the customer immediately. The State of Ohio requires financial institutions to report all unclaimed funds if the account has no activity in a five-year period. If this situation occurs, Home Savings and Loan makes very attempt to contact the depositor. If contact cannot be made and there is no activity on the account, the funds in the account must be surrendered to the State of Ohio. All deposit accounts reflect a legal obligation between the consumer and Home Savings and loan.}

_{Home Savings and Loan normally does not accept deposits from individuals or entities outside the Home Savings and Loan's lending area.}