CERTIFICATION FORM I ACKNOWLEDGE THAT THIS SECURITY IS NOT A DEPOSIT OR ACCOUNT AND IS NOT FEDERALLY INSURED OR GUARANTEED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION, AND IS NOT INSURED OR GUARANTEED BY HOME FEDERAL MUTUAL HOLDING COMPANY OF LOUISIANA, HOME FEDERAL BANCORP, INC. OF LOUISIANA, HOME FEDERAL SAVINGS AND LOAN ASSOCIATION, THE FEDERAL GOVERNMENT OR BY ANY GOVERNMENT AGENCY. THE ENTIRE AMOUNT OF AN INVESTOR’S PRINCIPAL IS SUBJECT TO LOSS. If anyone asserts that this security is federally insured or guaranteed, or is as safe as an insured deposit, I should call the Regional Director of the Dallas Regional Office of the Office of Thrift Supervision at (972) 277-9500. I further certify that, before purchasing the common stock, par value $0.01 per share, of Home Federal Bancorp, Inc. of Louisiana (the “Company”), the holding company for Home Federal Savings and Loan Association, I received a prospectus of the Company dated _____, 2008 relating to such offer of common stock. The prospectus that I received contains disclosure concerning the nature of the common stock being offered by the Company and describes in the “Risk Factors” section beginning on page xx, the risks involved in the investment in this common stock, including but not limited to the following: Risks Related to Our Business 1. Home Federal Bancorp's Success Depends in Part on the Success of the Merger 2. Our Portfolio of Loans with a Higher Risk of Loss will Increase as a Result of the Merger 3. We Have a High Concentration of Loans Purchased from a Single Mortgage Loan Originator 4. Changes in Market Rates of Interest May Hurt Our Profitability 5. Competition for Core Deposits is Increasing 6. Our Results of Operations Depend Significantly on Economic Conditions and Related Uncertainties 7. Our Allowance for Losses on Loans May Not Be Adequate to Cover Probable Losses 8. Our Loans are Concentrated to Borrowers in a Limited Geographic Area 9. We Depend On the Services of Our Management Team 10. We are Subject to Extensive Regulation Which Could Adversely Affect Our Business and Operations 11. Significant Competition Within our Market Area May Limit Our Growth and Profitability Risks Related to the Offering 12. Additional Expenses Following the Offering from New Equity Benefit Plans Will Adversely Affect Our Net Income 13. Our Return on Equity May Be Low Which May Negatively Impact Our Stock Price 14. Home Federal Bancorp Will Have Broad Discretion in Allocating the Proceeds of the Offering 15. Our New Stock Benefit Plans Will Be Dilutive 16. The Market for the Stock of Financial Institutions Has Been Unusually Volatile Recently and Our Stock Price May Decline When Trading Commences 17. Subscribers Who Purchase In the Offering Will Have Their Interests Diluted By the Issuance of Exchange Shares in the Merger 18. There May Be a Limited Market for Our Common Stock, Which May Adversely Affect Our Stock Price 19. We Intend to Remain Independent Which May Mean You Will Not Receive a Premium for Your Common Stock 20. Our Stock Value May Suffer from Anti-Takeover Provisions In Our Corporate Documents, Federal Regulations and Louisiana Law that May Impede Potential Takeovers that Management Opposes (By Signing the Front of this Form the Investor is Not Waiving Any Rights Under the Federal Securities Laws, Including the Securities Act of 1933 and the Securities Exchange Act of 1934) |