Each depositor insured to at least $250,000 per insured bank

Account(s): What about my account with Community First Bank?

If you had an account with Community First Bank, you now have an account with Home Federal Bank, Nampa, ID. All deposit accounts, which include checking, savings, money market, CDs and retirement accounts, have been transferred to Home Federal Bank, regardless of the dollar amount. No one lost any money on deposit in Community First Bank.

Customers of both banks should continue to use their existing branches until Home Federal Bank can fully integrate the deposit records of Community First Bank.

To forewarn you of any scams, please be advised that you will not receive any e-mail notification from the FDIC, the Receiver, or Home Federal Bank to claim/unlock/unsuspend your account or to provide any private information. Please be watchful for and resist any such scams to obtain information from you by individuals or entities purporting to act on behalf of Community First Bank.

ATM/debit card and/or Billpay: What about my ATM/debit card and/or bill paying with Community First Bank?

Your ATM/debit card will continue to work, and bill paying will work as it has in the past.

Brokered Deposits: I am a deposit broker or have brokered deposits. What do I do?

As an All-Deposit Transfer transaction, the total of all deposit accounts, excluding the Cede & Co brokered deposits, have been assumed by Home Federal Bank. The FDIC retained the Cede & Co brokered deposits and will pay those accounts off directly.

Be advised, however, that from and after the date of closing, Home Federal Bank will accrue and pay interest on deposit liabilities at a rate it shall determine; accordingly, Home Federal Bank shall permit depositors, including brokered depositors, impacted by reduced rates to withdraw their deposits without penalty for early withdrawal.

If you are a customer who has Community First Bank deposits through a broker, you must contact your broker with any questions.

Direct Deposits - Government Deposits: What will happen to my direct deposits?

Direct Deposits, including Social Security checks, will continue as normal.

Existing Deposits at Home Federal Bank: I already have other deposit accounts with the new bank.  When combined with balances at this bank, my deposits exceed $250,000.  Are all funds insured?

The accounts transferred to Home Federal Bank will be separately insured for at least six months after the merger.  This grace period gives a depositor the opportunity to restructure the accounts, if necessary.

CDs from the failed bank are separately insured until the earliest maturity date after the end of the six-month grace period.

CDs that mature during the six-month period and are renewed for the same term and in the same dollar amount (either with or without accrued interest) continue to be separately insured until the first maturity date after the six-month period.

If a CD matures during the six-month grace period and is renewed on any other basis, it would be separately insured only until the end of the six-month grace period.

Interest Rates, Early Withdrawal Penalty: Will I continue to earn interest at the same rate?  Will I be charged an early withdrawal penalty?

All interest on insured deposits accrued through Friday, August 7, 2009, will be paid at your same rate. Home Federal Bank will review rates and notify you if interest rates will change.

You may withdraw funds from any transferred account without an early withdrawal penalty until you enter into a new deposit agreement with your new bank. Entering into a new deposit agreement can be done by either renewing your CD or making a deposit to, or a withdrawal from, your account.

Loans/mortgages: What about my loan or mortgage with Community First Bank?

All mortgages and loans have been assumed by Home Federal Bank.  Your payment amount and due date are the same.  If you are having your payment deducted from your account, it will continue as it has in the past.  You should continue to make your checks payable to Community First Bank and send your payments to the same address.

Loans in Process: What happens if I had a loan in process that had not closed or a line of credit not fully funded?

You should contact your loan officer.  All prior contacts remain the same.

Media: I represent a TV/Newspaper/Radio and would like some information.

Please contact the Office of Public Affairs:

Outstanding Checks: What about checks that I have written on my account with Community First Bank?

Your checks will clear up to the available balance in your account.  You can continue to use your existing checks.

Safe Deposit Boxes: How can I claim the contents of my safe deposit box?

It is business as usual.  You can go to your local branch and access your safe deposit box; however, no action on your part is required because of this transaction.

Shareholders: What about my shares of stock?

All shares of Community First Bank were owned by its holding company, Prineville Bancorporation, Prineville, OR. The holding company was not included in the closing of the bank or the resulting receivership. If you are a shareholder of Prineville Bancorporation, please do not contact or file a claim with the Receiver. You may contact Prineville Bancorporation directly for information as follows: