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EStatement Disclosure

HICKORY POINT BANK AND TRUST, fsb

ELECTRONIC STATEMENT CONSENT AND AGREEMENT

Disclosure Policy: Hickory Point Bank and Trust, fsb does not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.

In this Electronic Statement (eStatement) Consent and Agreement, please remember that “you” and “your” refer to the person who is enrolling, and “we”, “us” and “our” refer to Hickory Point Bank and Trust, fsb.

WHAT

eStatements are Electronic Statements that you can view through online banking, and will replace your current paper statements. eStatements will typically be available on the first business day following your statement cutoff date, so you will receive them faster than paper statements. Best of all, eStatements are free.

HOW IT WORKS

You will receive an email from us informing you that your eStatement is available. You may access your eStatement after logging on to Online Banking and clicking the “Statements” tab. You must already be enrolled in Hickory Point & Click in order to take advantage of this product. If we receive notice that the email we sent did not go through, we will mail you a letter stating that we are having problems sending information to your current email address. If we do not hear back from you concerning this matter, we will begin to mail you paper copies of your statements.

To view your eStatement, you must have Adobe Acrobat Reader. If you do not have Adobe Acrobat Reader, it can be downloaded for free at www.Adobe.com\products\acrobat. We will notify you when we change or revise this requirement. At that time, you will have the right to withdraw your consent at no cost to you.

You may cancel your eStatement at anytime by calling the bank at 866-242-6262 and we will deactivate your eStatement feature. At the point of cancellation, your next statement will be mailed to the address we currently have on file.

EStatements will be available to you online for one year. You may request a copy of your statement at any time during that year without being charged a fee. After the statement is no longer available to you online, a $3.00 fee per statement will be assessed.

Hickory Point Bank and Trust eStatment Disclosure
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