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Refer a Friend Program Rules

By participating in the Hometown Bank Refer-A-Friend Program, you acknowledge that you have read, understood and agree to be bound by these terms and conditions.

Only a Hometown Bank customer whose accounts are in good standing, and who is at least 18 years of age, may participate in the Refer-A-Friend Program (the "Program").

A customer of Hometown Bank is eligible to receive one bonus per referral - regardless of how many accounts are opened by a referred individual - when the referred individual opens a Totally-Free NOW Checking Account with a minimum opening deposit of $10.00 and a minimum direct deposit of $25.00.

The referred individual must be a new customer who does not have a personal deposit relationship with Hometown Bank.

A referred individual must comply with Hometown Bank's approval requirements for a new checking account, which Hometown Bank may change from time to time.

In order to participate in and be eligible for the Program, a referred individual must submit the Referral Form when applying for an Hometown Bank Totally-Free Checking Account.

A customer will receive a bonus only if the referred individual has been approved and opens a Hometown Bank Totally-Free NOW Checking Account that includes direct deposit.

If, prior to the payment of Program bonuses, the customer's account is closed, the customer will not be eligible for a bonus payment.

If, prior to the payment of Program bonuses, the referred individual's account is closed, neither the customer nor the referred individual will be eligible for a bonus payment.

Promotional offer is for new checking account customers only for activating direct deposit
within 60 days of account opening. Bonus payments will be awarded after the first direct deposit is made and is reportable for tax purposes.

The Annual Percentage Yield (APY) is .02%. Minimum balance to obtain the APY is $10.00.
Minimum direct deposit to obtain promotional offer is $25.00. This is a variable rate account and the
rate may change after account opening. This is a limited time offer subject to change at any
time without notice. May not be combined with other promotional offers.

This program is sponsored solely by Hometown Bank, 31 Sutton Avenue, Oxford, MA 01540. Employees of Hometown Bank are not eligible to participate in the Refer-a-Friend Program. The effective date of this document is March 26, 2012..

NOW Account with Totally-Free Checking
Must be 18 years of age. Available to consumers and sole proprietors*
Opening Deposit $10.00
Minimum Balance to Earn Interest $10.00
Basic checks Free for the life of the account
Online banking Manage your accounts online. Easily transfer funds from on account to another, or pay balance due on monthly mortgage or loan.
Hometown e-Pay, online bill payment Organize and pay all your household bills online, schedule payments in advance, send gift checks.
MasterMoney® Debit Card 24-hour access to your funds, fee-free at all SUM locations (A fee may be charged by non-SUM banks)
$.10 deposited in your account for each signature-based transaction using your MasterMoney® card. End-of- month deposit appears on your statement.
Reward not applied for PIN-based transactions.
Detailed monthly statements with check images mailed monthly. May be combined with statement savings account for one monthly statement.
e-Statements Available online monthly with 16 months of history (starting with May, '08). Customer must choose between mailed copy and e-statement.
Toll-free telephone banking Available 24 hours. Check balances, transfer funds and pay monthly loan payments.
Direct deposit Available on request. Convenient, safe and reliable. Immediate access to your funds.
Overdraft protection Link checking to savings or another checking account.