Investment Management Account (Discretionary)

• Drawing upon our sources of research and analysis we manage your financial assets proactively given a predefined set of parameters including income needs, desires for growth and tolerance for risk.

Investment Advisory Account (Non-discretionary)

• As in the above account type, we will draw upon our sources of research and analysis, but will give you investment advice only to be acted upon with your approval.

Custody Services

• We protect securities from hazards, collect matured or called bonds, sell or exercise stock rights, collect dividends and interest payments and sweep those proceeds into a money market fund and take care of all routine investment chores. We buy and sell securities at your direction. We also collect and remit monthly or quarterly income and provide a complete statement of all transactions and holdings

Rollover IRAs

• We will manage the assets that may be rolled into an IRA from a qualified retirement plan such as a 401(k) plan from a previous employer.

Services offered by Hickory Point Bank’s Trust Department are not FDIC-insured, are not deposits or other obligations of Hickory Point Bank & Trust and have no bank guarantee, and are subject to investment risk including possible loss of principal value.