The insurance is not a deposit; it is not insured by the federal deposit insurance corporation or any other federal government agency; it is not guaranteed by the depository institution, and the insurance is not guaranteed by an affiliate of the depository institution. Insurance may involve investment risk including the possible loss of value. Insurance products are provided through Home Savings Bank’s affiliate, James & Son’s, a licensed insurance agency providing insurance services. James & Sons a division of the Home Savings Insurance Group is an affiliate of United Community Financial Corp (UCFC). UCFC is the holding company for Home Savings Bank and the Home Savings Insurance Group.

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