HFS Bank

INTERNET BANKING
HFS Bank is pleased to offer Internet Banking as a convenient way to access your HFS Bank account information. You can:

View a summary of your Online Banking accounts.
View specific details and a history of each account.
Transfer funds from one HFS account to another.
Download data to several different types of software.
Set up notifications to email you if specific account conditions occur.
View detailed custom reports.

For a demonstration, click on the Online Banking on the home page and select, "If you would like to view a demo of Online Banking, click here." In addition to a demonstration of the site, an overview of each function is presented. You can also practice transferring funds and generating custom reports, viewing account information and pending transactions and checking the criteria for notification alerts.

To apply for Online Banking, complete the requested application information and submit. You will be notified by email when your application has been received.

ONLINE BILL PAYMENT
The Bill Payment service takes the hassle out of paying bills by automating the set up and payment process online. Bill Payment is suitable for debt collection agencies. Schedule and track single, future and recurring payments. Bill Payment is now available at no charge.

HFS OFFERS 24 HOUR TELEPHONE BANKING CENTER
Now there's an easier way to do your banking. HFS is pleased to announce that 24 Hour Telephone Banking is now available. You can obtain current account information, transfer funds between accounts, get rates on certificates of deposits, mortgage and auto loans, and more!

To access the 24 Hour Telephone Banking Center, call:

Local (219) 947-5944
NW Indiana, toll-free 1-877-219-2507
Have your nine-digit account number ready to enter when you call the Center. Checking accounts use the first nine digits beginning with a 5.

First time callers will be asked to provide the last four digits of the Social Security Number of the primary accountholder. After you have provided that information you will enter the four digit access code that you choose. For future calls you only need to enter the access code. All of your account information is completely confidential since you choose your own access code that only you will know. If you wish to speak an HFS Bank employee after you reach the Telephone Banking Center during regular business hours simply press "0".

In order to have funds transfer availability, you will need to sign an authorization form. Stop in any HFS office to complete your authorization.

THE STATES QUARTER PROGRAM
In January, 1999, America began a unique and historically compelling ten-year celebration of the 50 states. A series of quarter dollars with new reverses will be issued each year from 1999 through 2008 celebrating each of the 50 states of the union.

Collect all 50 states, one quarter at a time. HFS is now offering the quarters of Pennsylvania, Delaware, Connecticut, Georgia, Massachusettes, Maryland, New Jersey, South Carolina, New Hampshire, Virginia, New York, North Carolina, Rhode Island, Vermont, Kentucky, Tennessee, Ohio, Louisiana, Indiana, Mississippi, Illinois, Alabama, Maine, Missouri, Arkansas, Michigan, Florida, Texas, Iowa, Wisconsin, California, Minnesota, Oregon, Kansas, West Virginia and Nevada for $3.50 . These are available in a 5 x 5 package that folds out to a 5 x 15 to display historical information on each state and the design of the quarter. This set includes two uncirculated quarters from the state. One quarter has a Denver (D) mint mark and the other has a Philadelphia (P) mint mark. The inside package will provide a mini history lesson about the state, information on the coin design and other interesting facts.

The quarters are available at the Hobart, Portage, Griffith and Downtown Crown Point locations. Collector boxes that hold all 50 states are also available for $8.95.