HSA INVESTMENT SERVICES

For the customer who wants to maximize their return through investments in one of thirty-two different available Mutual Funds. This option can be used by customers who open either an HSA Basic or HSA Select account. Whether transferring funds from your Home Federal Health Savings Account (HSA) to Delaware (TOA1) or transferring funds from Delaware back to your Home Federal Health Savings Account (TOA2), the process is simple and easy.

For one low annual fee of $40, Home Federal HSA Basic and HSA Select customers receive:

VISA Debit Card for account access worldwide;

Internet banking available 24/7;

HomeLine telephone banking available 24/7;

Customer service representatives available Monday through Saturday;

Monthly statement for easy record-keeping;

Annual IRS reporting.

For complete information about Delaware Investments Mutual Funds, including investment objectives, risks, charges and expenses, please refer to the Fund's Prospectus for this and other important information. Please read it carefully. The prospectus can be found at www.delawarefunds.com or www.delawareinvestments.com, or call:

Not insured by the FDIC.
Not a deposit or other obligation of, or guaranteed by Home Federal.
Subject to investment risks, including possible loss of the principal amount invested.