THE QUICK,

EASY WAY TO

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FEDERAL

BANK

Check List

Payroll Deposit

Direct DepositSocial Security

Automatic Payment

Direct Deposit(Pension/Other)

Checking AccountTransferred

Savings AccountTransferred

Other

Date Completed

Switching BanksIt’s Easier Than

You Think

One more merger or buyout. Suddenly your old bankhas a new name and a new look. If you’ve thought ofchanging banks but are worried that it would be way toomuch trouble—your locally owned full-service bankHome Federal Bank has the answer.

This Switch Kit is an easy step-by-step guide to movingyour checking account to us. But why move to HomeFederal Bank? How about…

A locally owned, full service bank owned by itsdepositors—our focus is YOU!

Home Equity Lines of Credit at competitive rates and costs

Several VISACredit Card options. Reward options.

PHONEHOME (687-HOME), a 24-hour informationline.

HomePlus Platinum—a checking account worthpaying for!

55+ Account with no monthly service charge forcustomers 55+.

23 convenient branches.

OnLine Banking at:

Phone Home

First Time Caller Instructions

1. Dial 687-HOME (865-687-4663).

2. For access, you will need your Social Securitynumber and a PIN number which may be thesame as your ATM PIN number and the accountnumber of the account you want to access.

3. Follow the easy to understand voice instructions toobtain account information about yourchecking, savings, CD’s, loans and informationabout our rates and services.

4. Should you require additional information or wishto speak to a Customer Service Representative,please dial 546-0910. A

representative isavailable Monday—Thursday 8:15 a.m.to 4:45 p.m. and Fridays 8:15 a.m. to 6:00 p.m.

Please Note: If you have three unsuccessful attemptstrying to use Home Federal Bank’s PhoneHome, thesystem will transfer you to a Customer ServiceRepresentative for help. A representative is availableMonday—Thursday 8:15 a.m. to 4:45 p.m. and Friday8:15 a.m. to 6:00 p.m.

Eight Checking Optionsto fit every lifestyle.

HomePlus PlatinumA checking account with many extras; freepersonalized checks, tiered interest rate, $10,000accidental insurance, Companion Airfare,Discounted Gift Cards, Card Patrol, IdentityTheft Insurance, free unlimited BillPay and many other benefits. All just $10per month service charge.

HomePlus DiamondA checking account just for customers 55 orover. All the features of HomePlus Platinum (without Billpay) for almost half price at $5.95per month service charge.

Over 55+ CheckingAvailable on or after your 55th birthday. Earninterest on your collected balance, no minimumbalance required, and no monthly service charge.

Student CheckingJust for students, write 10 checks per month free.Each additional check is $ .25. Available until you reach your 23rd birthday.

Interest On CheckingPays interest on your collected balance,compounded daily. Keep just $700 in youraccount and there's no monthly fee. Below$700, the cost is only $7 per month.

Money Market AccountEarn tiered interest based on your accountbalance with no penalty for withdrawal. Pre-authorized and third party transfers are

limited to 6 per statement cycle.

HomeFree CheckingPerfect if you prefer to bank online. Freewith monthly statements and check images(online only). Free unlimited BillPay andOnline Banking. Other account fees mayapply. First check order FREE.

No minimum balance. Valid e-mailaddress required. No limit on branch visits.

Regular CheckingA basic checking account

To Sign Up Foror Change

Your Payroll DepositTo sign up for or change your payroll deposit, allyou need is a direct deposit form from youremployer's payroll department.

The following

Home Federal Bank information will benecessary to complete the form.

Name and Address of Bank:Home Federal Bank515 Market Street

Knoxville, TN 37902

Bank Routing Number:2642 71390

Type of Deposit Account:(Select one)

__Checking __________________Account #

__Savings __________________Account #

Bank Telephone Number:(865) 546-0910

To Sign Up For orChange Your

Direct Deposit ofSocial Security

Payments

Signing up for direct deposit of your SocialSecurity payments is simple. Just call the SocialSecurity Administration at 1-800-772-1213.

Youwill need to give them the following informationoutlined below.

Name and Address of Bank:Home Federal Bank515 Market Street

Knoxville, Tn. 37902

Bank Routing Number:2642 71390

Type of Deposit Account:(Select one)

__Checking __________________Account #

__Savings __________________Account #

Bank Telephone Number:(865) 546-0910

AUTOMATIC PAYMENT FORMDATE: ___________________________

TO: _______________________________ (Enter Name of Payee)

Account Number: ______________________________ (Enter Current Account Number)

FROM: __________________________________ (Enter Your Name as Shown on Your Statement)

RE: Automatic Payment Deduction

Bank: _______________________________________ (Enter Name of Current Bank)

Checking Account #: _____________________________ (Enter Current Checking Account Number)

Payment Date: _________________________________

Payment Amount: ______________________________

Select One: Specific Amount $______________

Amount due

_____________________________Signature

_____________________________ Signature

Copy this form and send it to anyone you haveauthorized to make automatic payments from youraccount.

Please change my automatic payment from my currentaccount to

my new checking account at Home FederalBank, ABA number 2642 71390. My account number is________________________________. Enclosed is acopy of a voided check. The change is to become effectivefor my payment on _______________________________.

DIRECT DEPOSIT FORM(Pension/Other)

DATE: __________________________________

TO: _________________________________ (Enter Name of Payer)

FROM: __________________________________ (Enter Exact Name of Payee - Must Be An Owner On The Account)

RE: Direct Deposit Of: _______________________ (Enter Type of Direct Deposit)

Bank: ____________________________________ (Enter Name of Current Bank)

Checking Account #: ________________________ (Enter Current Account Number)

Please change my direct deposit from my current accountto my new checking account at Home

Federal Bank,ABA number 2642 71390. My account numberis _______________________________. Enclosed isa copy of a voided check. The change is to becomeeffective for my direct deposit on_______________________________.

___________________________ Signature

Copy this form and send it to anyone you haveauthorized to make direct deposits to your account.

Your Worksheet To Calculate How MuchMoney To Leave In Your Current Account

Until It Closes

Current Account Balance: $_______________

(Less) Checks Outstanding: -- $________________ 1(Take Total From Reverse Side)

(Less) Automatic Payments: -- $________________ 2(Take Total From Reverse Side)

(Less) Bank Fees: -- $________________

ESTIMATEDSWITCH BALANCE: $________________(Make Check Payable

To Home Federal Bank)

Direct Deposits:(Make sure you remember all direct deposits to your account) Purpose Deposit Date AmountPayroll ____________ $___________Social Security ____________ $___________Pension ____________ $___________Other ____________ $___________

Total Direct Deposits $_____________________--OVER--

Worksheet--ContinuedChecks Outstanding OrCheck Card Purchases Check # Amount

Paid To: (optional) (If Applicable)

___________________ ______ _____________________________ ______ _____________________________ ______ _____________________________ ______ _____________________________ ______ _____________________________ ______ _____________________________ ______ _____________________________ ______ _____________________________ ______ __________

TOTAL OUTSTANDING CHECKS $___________ (Enter at "1" on Previous Page)

Automatic (PreAuthorized)Payments Date: Amount:

Utilities________________________ ___________ _____________________________________ ___________ _____________________________________ ___________ _____________

Insurance________________________ ___________ _____________________________________ ___________ _____________________________________ ___________ _____________

Loans________________________ ___________ _____________________________________ ___________ _____________________________________ ___________ _____________

Others________________________ ___________ _____________________________________ ___________ _____________

Total Automatic Payments $_____________ (Enter at "2" on Previous Page)

Main Office 51 5 Market Street

North Knoxville Office 31 01 North Broadway

Bearden Office 5538 Kingston Pike

Magnolia Office 3001 East Magnolia Avenue

South Knoxville Office 4444 Chapman Highway

Concord Office 1 0396 Kingston Pike

Halls Office 6948 Maynardville Highway

Merchants Road Office 501 Merchants Road

Karns Office 7204 Oak Ridge Highway

Downtown West Office 1 700 Downtown West Blvd.

Maryville Office 1 02 Foothills Mall Drive

Sevierville Office 307 Parkway

Pigeon Forge Office 3671 Parkway

Gatlinburg Office 535 East Parkway

Oak Ridge Office 1 1 25 Oak Ridge Turnpike

Fountain City Office 4900 North Broadway

Gibbs Office 7502 Tazewell Pike

Powell Office 1 05 East Emory Road

Cedar Bluff Office 31 5 North Cedar Bluff Road

Seymour Office 1 1 320 Chapman Highway

Carter Office 7600 Asheville Highway

Farragut Office 1 1 686 Parkside Drive

Isaiah’s Landing Office 2940 South Mall Road

Member FDIC. ©2002 Home Federal Bank of Tennessee