WELCOME. Welcome to Hickory Point Bank

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1 WELCOME Welcome to Hickory Point Bank Corporate Office 225 N. Water Street Decatur, IL As customers of Marshall County State Bank, you will now become customers of Hickory Point Bank. Our goal is to provide you with greater convenience and access to more products and services. As we unite, your Marshall County State Bank accounts will become Hickory Point Bank accounts. The transition will take place automatically during the weekend after the close of business on Friday, September 19, Your account(s) will be converted to the Hickory Point Bank account(s) which most closely match your Marshall County State Bank account(s). If you would prefer a different account, please let us know so we can meet your specific needs. This product guide will help you become familiar with Hickory Point Bank accounts and services. It provides details about your accounts, how to access them and what new services are available. The enclosed Disclosure Statement is effective as of August 18, 2014, and replaces the disclosure issued by Marshall County State Bank. We are pleased to welcome you to Hickory Point Bank and look forward to providing you with unparalleled customer service. 2

2 CONVERSION INFORMATION/IMPORTANT DATES THE TRANSITION TO HICKORY POINT BANK Where to bank through Thursday, September 18, 2014 Continue to bank as you do today, using your existing checks, deposit tickets, and loan payment options for both personal and business accounts. In addition, you may continue to use your MCSB debit card to access your accounts. You may wish to print out statements from MCSB online banking and bill pay history, as transaction history will not transfer over to Hickory Point Bank. Over the weekend beginning Friday, September 19, 2014 Your MCSB debit card will be deactivated at 2:00 a.m. on Friday, September 19, Both branches of MCSB in Varna and Peoria Heights will close at 5:00 p.m. on Friday, September 19, 2014 and will remain closed on Saturday, September 20, Final statements for your MCSB accounts will be prepared after the close of business on Friday, September 19, 2014 The ATM will be taken out of service at 2:00 a.m. on Friday, September 19, Beginning the evening of September 19, 2014 Hickory Point Bank will be transitioning your accounts from MCSB s computer system to Hickory Point Bank s computer system. Please note that electronic credits (such as Social Security or payroll direct deposit) that are normally available to you on Saturday will be available to you on Monday, September 22, Future electronic credits will post as scheduled. Starting Monday, September 22, 2014 The Peoria Heights branch will reopen as Hickory Point Bank at 8:30 a.m. and the Varna branch will open as Hickory Point Bank at 9:00 a.m. The ATM at Peoria Heights will be back in service at 8:30 a.m. You can bank with us at any Hickory Point Bank branch, ATM or MoneyPass ATM You can register for Hickory Point Bank s Online Banking, Bill Pay and Mobile Banking services by going to USING YOUR HICKORY POINT BANK ACCOUNTS Account Numbers For many of you, your account numbers will remain the same and new signature cards will not be necessary. For a small number of you, your current account number is a duplication of a Hickory Point Bank account number. If your account number is one of the duplicates, we will contact you personally to ease that transition, and provide you with an initial order of 50 checks at no charge. Everyone else may continue using your existing checks from Marshall County State Bank through September 22, 2015, and may order new Hickory Point Bank checks at your convenience. Checks and deposit tickets You may continue using your existing checks from Marshall County State Bank through September 22, 2015, and may order new Hickory Point Bank checks at your convenience after September 22, 2014, by contacting a Hickory Point Bank personal banker, or online at 3

3 CONVERSION INFORMATION/IMPORTANT DATES MCSB Debit Card Hickory Point Bank will be issuing new MasterCard Debit Cards to replace your current MCSB debit card. Included with your Hickory Point Bank debit card will be easy to follow instructions for activation. New Hickory Point Bank debit cards will be mailed beginning Wednesday, September 10, Personal Identification Numbers (PINs) will be mailed to all new Hickory Point Bank debit cardholders beginning Friday, September 12, You may activate your debit card upon receipt. You may begin using your Hickory Point Bank debit card as of the opening of business on Monday, September 22, As a reminder, activation is required before making any transactions. On Monday, September 22, 2014, your daily cash withdrawal and point-of-sale (POS) limits will convert to Hickory Point Bank limits. Refer to the enclosed Disclosure Statement and Privacy Policy. All MCSB Loan and Credit Products All MCSB Loan and Credit products will be converted to Hickory Point Bank loan and credit products with the current terms, rates and conditions. For those of you with loan account coupon books, feel free to continue using your existing MCSB coupons. Please make sure your payments are made payable to Hickory Point Bank. Telephone access Beginning on September 22, 2014, you can call Hickory Point Bank telephone banking (InfoNow) at , seven days a week, 24 hours a day. You will be asked to enter your account number and establish a PIN by entering the last four digits of your SSN/EIN. This will give you access to the automated telephone banking service. If you need assistance with InfoNow, press 0 and a Client Services Representative will ask you a few questions to verify your identity and assist you with your accounts during normal business hours. Automated Clearing House (ACH)/electronic transactions Existing electronic transactions set up for your accounts will continue at this time. Effective Monday, September 22, 2014, please provide the Hickory Point Bank Routing Number (RTN) for new electronic transfers. For your convenience, we will have a switch kit available online at under the About Us tab. Please note that electronic credits (such as Social Security or payroll direct deposit) that are normally available to you on Saturday, September 20, 2014, will be available to you on Monday, September 22, Future electronic credits will post as scheduled. Wire transfer services Effective Monday, September 22, 2014, you will need to contact anyone who sends you wire transfers and alert them that they will need to send their wire transfers to Hickory Point Bank & Trust, wire RTN Please see the enclosed Disclosure Statement and Privacy Policy for additional information. ACCOUNT STATEMENTS Deposit account statements from MCSB Your final MCSB account statement will be prepared at the close of business on Friday, September 19, 2014, and will cover the period since your last regular statement, and service charges will apply accordingly. Your new deposit account statements from Hickory Point Bank Your Hickory Point Bank checking and Money Market account statements will be issued in a new format starting Monday, September 22, Hickory Point Bank savings account statements are mailed quarterly. If you have any electronic transactions, you will receive a statement monthly. 4

4 No monthly service fees will be applied to your new Hickory Point Bank account during the month of September Beginning Monday, September 22, 2014, you can request a combined statement for your checking, savings, and Money Market accounts, by contacting a Hickory Point Bank personal banker. You can enroll in Hickory Point Bank estatements beginning Monday, September 22, You must be enrolled in Online Banking to request estatements. ONLINE BANKING AND BILL PAY Transitioning your online banking Beginning September 15, 2014, online access to your MCSB accounts will be restricted from using Bill Pay, Transfers and Mobile Access Removal and your account balances may display as View Only. You will not be able to process transactions from September 15, 2014 until you enroll in Online Banking with Hickory Point Bank, on or after September 22, History from your MCSB Online Banking service may not transfer over. For tax purposes, you may want to print or save your electronic information and check copies to your computer prior to Friday, September 19, Starting Monday, September 22, 2014, go to click on New User? Register Here! in the taupe box in the upper right hand corner, so you can begin banking online with Hickory Point bank Online Banking. You will be asked to accept our online terms and conditions to begin using the service. All of your converted accounts and any Hickory Point Bank accounts you may have will display in your List of Accounts. If you have transfers scheduled to process during the weekend of September 19, 2014 they will be processed on Monday, September 22, Online Bill Pay Your current MCSB Bill Pay information will not be converted. To use Hickory Point Bank Bill Pay service, you will need to enroll online. To avoid missed, interrupted, or delayed payments, any scheduled payments made through MCSB Bill Pay must be completed and processed no later than September 12, In preparation for the transfer, you will need the following information prior to Friday, September 19, 2014: A list of the payees you currently have set up at MCSB. Detailed payee information such as account number and payment address. A list of any e-bills that you currently receive through MCSB. On or after Monday, September 22, 2014, you may enroll in Hickory Point Bank s Bill Pay. To assist in your enrollment, please make note of the following: Login to Online Banking. You must complete your initial login to Hickory Point Bank Online Banking prior to enrollment in Bill Pay. Click on the Bill Pay tab and complete the enrollment process. Hickory Point Bank s Bill Pay normally withdraws funds from your account on the date you initiate the bill payment. Scheduled transfers Scheduled transfers between your checking and savings accounts will not continue without interruption at Hickory Point Bank*. *Note: Transfers dated September 19, 2014 through September 22, 2014 will process Monday, September 22,

5 CONVERSION INFORMATION/IMPORTANT DATES estatements If you would like to print and save any MCSB transaction history (including check images) and/or regulatory disclosures, please do so before Friday, September 19, You can enroll in Hickory Point Bank estatements beginning Monday, September 22, You must be enrolled in Online Banking to request estatements. Check images Images of any checks paid from your account after Monday, September 22, 2014 can be printed and/or viewed online. You must be enrolled in Online Banking to view/print check images. SAVINGS ACCOUNTS Effective Monday, September 22, 2014, your MCSB savings account will become a Hickory Point Bank Regular Savings Account. Interest on your MCSB savings account will be applied to your September 30, 2014 Hickory Point Bank Savings account statement. If you currently have a MCSB Christmas Club account, your account will be paid out on Friday, September 19, 2014 and a check for the entire amount, including interest will be mailed to you on that date. Hickory Point Bank offers a Structured Savings plan as an alternative to Christmas Club accounts. If you would like to open a Structured Savings plan, please contact a Hickory Point Bank personal banker. CERTIFICATES OF DEPOSIT (CDS) Interest rates You will continue to receive the same interest rate on your existing CD until its scheduled maturity. The term and maturity date on your CD will not change. Changes at renewal If you currently hold a CD with a term not supported by Hickory Point Bank, your CD will renew for a term less than the term on your MCSB certificate. For example, if you own a 30 month MCSB CD, your CD will renew for 24 months on the next maturity date. Notices/statements Hickory Point Bank sends maturity notices 10 days prior to maturity for CDs and individual retirement accounts. Statements on time deposits are mailed when interest is credited to the account. Payments, distributions, and deposits Interest payments and scheduled IRA distribution payments will take place on the same schedule as your current payments, although for operational reasons, some payment scheduled may be modified. If your payment schedule is modified, you may receive a partial or adjusted payment on your first payment under the new schedule. In addition, interest payments made by check may be delayed slightly around the time of conversion. CD interest payments and IRA distributions made by check from multiple accounts on the same date will be processed as separate checks or payments for each account. 6

6 IRA owners over age 70 ½ and inherited (beneficiary) IRA owners are responsible for withdrawing the annual Required Minimum Distribution (RMD) each year. Contact your tax advisor for advice specific to your situation. Hickory Point Bank does not automatically provide notifications that distributions will not meet the RMD. You may contact a Hickory Point Bank personal banker starting Monday, September 22, 2014 to review your existing distribution schedules or establish new automatic distribution instructions to ensure you meet the RMD each year. At maturity CDs and IRA CDs will renew for the renewal term stated on the certificate* at the rate in effect on the renewal date. Interest will be calculated, compounded and credited according to the certificate terms. The grace period is ten (10) calendar days from the maturity date. Hickory Point Bank early withdrawal penalties will apply as of Monday, September 22, See the enclosed Disclosure Statement for terms and conditions governing accounts at renewal. *Note: If you own an MCSB 30-month Certificate of Deposit, at the next maturity date your certificate will be renewable in 24-month increments. If you own an MCSB 48-month IRA Certificate of Deposit, at the next maturity date your certificate will be renewable in 36-month increments. FDIC INSURANCE FDIC deposit insurance coverage The FDIC Standard Maximum Deposit Insurance Amount (SMDIA) for deposits is $250,000 per depositor per insured financial institution. Acquisition impact on FDIC deposit insurance coverage At conversion, your accounts will be covered under Hickory Point Bank ( the Bank ) charter. Under FDIC rules, funds held in a bank that acquires another bank s accounts are separately insured for at least six (6) months after the acquisition (March 19, 2015). CDs may be separately insured for longer than six (6) months after an acquisition. The following FDIC rules apply to funds you have on deposit at MCSB as of September 19, 2014: CDs (including IRAs) If the CD has a maturity date after March 19, 2015, the CD will be separately insured, under the FDIC s general deposit insurance rules, from other deposits you have at the Bank until its maturity date. If the CD matured prior to March 19, 2015, and was renewed for the same term and same dollar amount (either with or without accrued interest): Under the FDIC s general deposit rules, the CD will be separately insured from other deposits you have at the bank, until the first maturity date after March 19, If the CD matured prior to March 19, 2015, and was not renewed or was renewed for a different term or amount: The separate insurance coverage ends on March 19, Starting March 19, 2015, these funds are added to your other non-separately insured deposits at the Bank, and insured under the FDIC general deposit insurance rules. Checking and savings accounts The separate insurance period for funds in checking and savings accounts expires on March 19, These funds will be added to your other non-separately insured deposits at the Bank, and insured under the FDIC general deposit insurance rules. 7

7 CONVERSION INFORMATION/IMPORTANT DATES Questions about your FDIC insurance Call the FDIC toll-free at 877.ASK.FDIC ( ) Refer to the FDIC website for additional details at Visit with a Hickory Point Bank personal banker During normal business hours, call Hickory Point Bank at or take advantage of the Live Chat feature on our website. ADDITIONAL INFORMATION Accounts without a balance If you have an MCSB checking or savings account with a zero balance as of September 19, 2014 your account will be converted as a closed account. Consumer privacy Please be assured that we do not sell or share customer information with outside parties who may wish to market products to you. For more information, please: Refer to the enclosed Disclosure Statement and Privacy Policy Visit your nearest branch or call during normal business hours. 8

8 And at the end of the day, you know it s not about what we can give you it s about what you ve already got. Hickory Point Bank. Invested.

9 YOUR PRODUCT GUIDE 10

10 HICKORY POINT BANK ACCOUNTS AND SERVICES In this section, you ll see the many ways you can manage your finances and access your accounts at Hickory Point Bank. You can also set up online and mobile access. YOUR ACCOUNTS AT A GLANCE If your current account is Your new account is: Page Basic Checking Classic Checking 13 NOW Checking Classic Plus Checking 14 Money Market Checking Ultimate Money Market Checking 16 Business Checking Basic Business Checking 14 Commercial Money Market Commercial MMDA 17 Savings Regular Savings 15 Christmas Club* n/a n/a * Hickory Point Bank does not offer a Christmas Club account. The balance in your Christmas Club account will be calculated and a check mailed to you on or before September 19, For savings of this nature a Hickory Point Bank Structured Savings account may be a great choice. HICKORY POINT BANK BRANCHES AND ELECTRONIC BANKING Branches Beginning Monday, September 22, 2014, you will be able to bank at any of our branches located in Peoria Heights, Varna, Springfield, Decatur and Champaign, with convenient hours at every location. Visit and click on Locations & Hours to find a branch near you. ATMs Hickory Point Bank ATMs provide a convenient way to: Withdraw cash Transfer funds between accounts Retrieve balance information Visit our website at for current ATM locations. MoneyPass ATMs a Surcharge-free ATM Network Find thousands of surcharge-free ATMs across the country quickly and easily. We are members of MoneyPass, a network of ATMs where you can conduct transactions and withdrawals at no extra charge. Find the one nearest you by entering your zip code in the ATM finder at or download the mobile app for your smartphone. InfoNow Telephone Banking Our toll-free line that allows you to access important information about your Hickory Point Bank accounts 24 hours a day. This may include everything from the current balance in your checking account to the current amount owed on your auto loan. To get started using InfoNow, call toll-free at

11 ACCOUNTS AND SERVICES ONLINE BANKING AND BILL PAY Hickory Point Bank offers a secure, fast and easy way to manage your finances anywhere you have internet access. You ll have new choices, new services and online tools to help you manage your accounts. Sign up for Online Banking and Bill Pay Even if you are not enrolled in MCSB online banking, starting Monday, September 22, 2014, you can enroll in Hickory Point Bank s online banking service. Simply visit to learn how. Bill Pay It s easy to stay on top of your finances when you pay your bills online. With Hickory Point Bank s Bill Pay, you can: Pay any individual or company in the U.S. Make one-time or recurring automatic payments Save checks while reducing the risk of mail fraud Make electronic transfers to other people (Popmoney )* * Daily/Monthly limits may apply. Mobile Banking This innovative free service lets you take care of your banking tasks on the go, from the convenience of your mobile device. Download the app for your device or check your account balances via text message*. Beginning Monday, September 22, 2014 go to login to online banking from your computer and go to Options to enroll in Hickory Point Bank Mobile Banking. Check account balances Review account activity Make transfers between accounts Get directions to branches and ATMs Pay your bills safely and quickly * Carrier message and data rates may apply. Mobile Deposit Bank outside the lines with Hickory Point Bank s Mobile Deposit app. Snap, send the end. To download the app, just go to and login to online banking and go to Options to enroll, or visit the Apple app or Google Play store to download directly. Conveniently deposit checks to your account anywhere, anytime from your mobile device. Snap a picture of the front and back of the check, send the end. Safe and secure, with multiple layers of security to protect your information. Available 24 hours per day, 7 days per week. For transaction fees and daily limits, please refer to our enclosed Disclosure Statement * Carrier message and data rates may apply. estatements View all the information you would find on your paper statement without the paper at Each month you ll receive a notice via when your statements are ready, then you can review them online up to 12 months past. You can view, print or download them at any time, free of charge. Access your monthly statements online Faster and safer than paper statements Eliminate paper clutter and filing hassles Reduces the threat of identity theft Free and secure service 12

12 HICKORY POINT BANK CHECKING, SAVINGS, LOANS AND DEBIT CARDS (For detailed information about Hickory Point Bank accounts, please see the enclosed Disclosure Statement.) Whether you re looking for new ways to manage your money, a secure way to save, or convenient access to credit when you need it, Hickory Point Bank has an account or service that is right for you. Checking accounts Whether you have basic or complex needs, Hickory Point Bank has a checking account that fits. These accounts offer built-in convenience with access to Hickory Point Bank ATMs and free enrollment in online banking. Savings accounts With your Hickory Point Bank savings account, you ll have the security you need while earning competitive interest rates. Loans Hickory Point Bank offers loans and lines of credit with fixed terms and payments to help you plan your budget or variable rate loans that let you take advantage of market opportunities. HICKORY POINT BANK CHECKING, SAVINGS AND LOAN PRODUCTS Brief descriptions of many Hickory Point Bank products and services follow. For a thorough description of the accounts, as well as detailed information regarding services fees and account limitations, please refer to the document enclosed entitled Disclosure Statement and Privacy Policy Hickory Point Bank offers the following checking accounts: Classic Checking This account features everything you want from a checking account: a low opening deposit, unlimited check writing, and access to our time saving Online Banking services. Plus the low monthly fees can be waived just by receiving a direct deposit. Unlimited check writing and withdrawals Free online banking and bill pay Free estatements Free mobile banking Popmoney Free debit card $100 minimum opening deposit Student Checking Full-time students are eligible for this affordable account all the great features of Classic Checking, with no monthly service fees as long as you are enrolled full-time. Unlimited check writing and withdrawals Free online banking and bill pay Free estatements Free mobile banking Popmoney Free debit card $100 minimum opening deposit 13

13 ACCOUNTS AND SERVICES Classic Plus Checking This account requires a higher opening deposit, but pays a competitive interest rate and has no monthly service fee as long as you maintain a balance over $500.00, or if there is a direct deposit into the account. It also comes with our free Online Banking services, so you can make the most of your checking account. Interest bearing checking account with competitive tiered interest rates Unlimited check writing and withdrawals Free online banking and bill pay Free estatements Free mobile banking Popmoney Free debit card $500 minimum opening deposit balance Ambassador Club Checking Designed for our customers 50 and better, Ambassador Club checking provides the same tiered interest rates and convenient services of Classic Plus, with many additional benefits and services. Interest bearing checking account Unlimited check writing and withdrawals Free online banking and bill pay Free estatements Free mobile banking Popmoney Free debit card 50% off cashier s checks and money orders Free box of 200 checks annually $250 minimum opening deposit balance Basic Business Checking This affordable account is designed for small businesses with less than 150 monthly items. A low, flat monthly service fee covers most banking services, and may be waived when a low minimum balance and monthly transaction activity is maintained. Ideal for smaller businesses with fewer monthly items Cash management services available $2, minimum deposit balance requirement Commercial Checking Designed for larger businesses with more than 150 monthly transactions, this account offers an earnings credit applied to your collected Hickory Point Bank account balance, which may help to offset charges. Once target balances are met, additional balances may be swept to overnight investments to maximize your earnings. Designed for larger business banking needs Per-item fees and charges based on account analysis Receive a monthly earnings credit based on you balance Earnings credit may offset or minimize fees Balances over target balances may be swept to other accounts Cash management services available 14

14 Hickory Point Bank offers the following savings accounts: Regular Savings With this simple account, you can save while still maintaining access to your funds. And you can rest assured that Hickory Point Bank will keep it safe as it grows. Earn a competitive interest rate Interest compounds quarterly Free online banking Free estatements Free mobile banking Popmoney Minimum balance requirement of $ to avoid $5.00 monthly service fee Preauthorized withdrawals are limited to three per month $1.00 will be assessed for each withdrawal over three in one month Minor Savings This account is for those customers under 18 years old, and earns a competitive interest rate. Earns competitive interest Interest compounds quarterly No monthly service fee Free online banking Free estatements Free mobile banking Preauthorized withdrawals are limited to six per month $1.00 will be assessed for each withdrawal over three in one month Structured Savings Build a structured savings plan based on your terms, that s designed to help you reach your goals. Simply choose the amount and term that suits you, and your savings will be transferred directly from your Hickory Point Bank checking account every month. Competitive fixed interest rate Interest compounds quarterly 12 months minimum term, maximum term 60 months Free online banking Free estatements Free mobile banking Popmoney $25 minimum opening deposit Automatic transfers may be made in amounts of $25 to $250. A $5 charge will be assessed if an automatic transfer is not received during the month. A $25 fee will be assessed if a withdrawal is made during the term but the withdrawal does not close the account If an early withdrawal closes the account, a $75 fee will be assessed. 15

15 ACCOUNTS AND SERVICES Money Market These flexible, high yield accounts pay competitive interest rates without tying up your money. In fact, you can have greater access with direct check-writing ability. Ultimate Money Market Access funds while earning competitive interest rate Free online banking Free mobile banking Free estatements $1,500 minimum opening deposit Minimum balance requirement of $1,500 to avoid $10 monthly service fee Limited to six transfers* Premium Money Market Access funds while earning even higher rates Earns higher rate on larger balances Free online banking Free mobile banking Free estatements $20,000 minimum opening deposit Minimum balance requirement of $20,000 to avoid a $25 monthly service fee Limited to six transfers* *See our Disclosure Statement for additional terms and conditions Certificates of Deposit This risk-free investment combines security and strength with higher returns. Competitive, fixed interest rates Higher earnings than regular savings Terms from 31 days to 5 years $1,000 minimum deposit to open Penalty may be imposed for early withdrawal Health Savings Account - Personal/Family Safeguard your family s medical expenses with this federally approved, tax exempt account. It is designed to pay for medical expenses with a qualified high-deductible health care plan. Contributions may be tax-deductible, and can be made by an individual or by an employer. Pay for medical expenses easily via debit card No monthly service fee or annual account fee Interest earned grows tax-free Contributions may be tax-deductible Withdrawals for qualified medical expenses are tax deductible Free debit card Check writing capabilities Individual or family accounts Fee to open account is $20 Unused funds and interest are carried over year-to-year, without limits Funds may be transferred due to a plan change or retirement and are not forfeited for non-use 16

16 Individual Retirement Accounts (IRAs) Hickory Point Bank offers several different types of accounts that allow you to save for retirement, with competitive rates on a variety of terms Types of IRAs Traditional IRAs offering tax-deductible contributions Roth IRA offering tax-free distributions of contributions and qualified earnings Coverdell Education Savings Accounts offering savings for college tuition SEP IRA offering self-employed individuals and small business employees access to a retirement plan IRA Money Market No maturity date Earn a competitive, variable rate of interest Interest compounds monthly Additional contributions may be made at any time and in any amount Direct deposits are accepted Free online banking $100 minimum opening deposit and balance requirement A $25 fee may be charged for any withdrawal not re-deposited into another Hickory Point Bank IRA account IRA Certificate of Deposit Earn a competitive, fixed interest rate Variety of terms, including 1 year, 18 months, 2 year, 3 year and 5 year certificates Interest compounds quarterly $500 minimum opening deposit and balance requirement Penalty may be imposed for early withdrawal Business Savings A simple savings account to prepare for unexpected business expenses. Earn competitive interest Interest compounds quarterly Preauthorized or automatic withdrawals or transfers to another account or third party are limited to six (6) per month $300 minimum opening deposit $100 minimum balance to avoid $5 service charge Commercial Money Market This account combines safety, liquidity and competitive interest rates with the convenience of access via check or at any of our branches. Earn competitive interest while maintaining liquidity Enhanced check-writing, up to three per month Convenient in-branch withdrawals $1,500 minimum opening deposit and minimum balance requirement to avoid $10 monthly service fee Limited to six transfers 17

17 ACCOUNTS AND SERVICES Health Savings Account - Business As an employer, you can offer the benefits of a Health Savings Account to your employees. Your employees can use this federal approved, tax-exempt account to cover medical expenses for themselves and their families with a qualified high-deductible health insurance plan. Valuable employee benefit Employee recruitment and retention tool No monthly service fee or annual account fee Interest earned grows tax-free Both employer and employee can contribute Contributions may be tax-deductible Withdrawals for qualified medical expenses are tax-deductible Unused funds and interest may be carried over year-to-year, without limits Funds may be transferred due to a plan change or retirement and are not forfeited for non-use Certificates of Deposit (CDs) and Certificate of Deposit Account Registry Service (CDARS) Time deposits combine the security of a bank deposit and FDIC coverage with higher returns. Competitive, fixed interest rates Higher earnings than regular savings Terms from 31 days to 5 years Penalty may be imposed for early withdrawal $1,000 minimum deposit to open CDARS A convenient way to enjoy full FDIC insurance on deposit amounts larger than $100,000. Consolidate your CD investments Multi-million dollar FDIC insurance eligibility Earn one interest rate on your entire investment Terms from 4 weeks to 60 months Receive one regular statement Higher earnings that regular savings Penalty may be imposed for early withdrawal Hickory Point Bank offers the following loan products: Personal Loans Hickory Point Bank offers affordable loans for just about anything, with the most competitive interest rates in central Illinois and prompt, professional service. Funding for almost any purpose Competitive interest rates Flexible terms and affordable payments Quick, local decision-making Courteous personal service Apply online All loans are subject to credit approval 18

18 Signature Line of Credit This unsecured revolving line of credit is a popular way to ensure funds are available for your ongoing financial needs. Revolving line of credit only pay interest on what is outstanding One time application No fees for line advances Flexible monthly payments Low interest rate Fast credit approval Convenient access All loans are subject to credit approval Auto Loans Hickory Point Bank offers affordable loans for new and used vehicles, with competitive interest rates and prompt, professional service. Purchase any new or used vehicle Affordable rates and flexible terms Low monthly payments Fast, easy approvals Experienced, professional service All loans are subject to credit approval Home Equity Loans Home equity loans or lines of credit may be a great way to pay for big-ticket items, such as college tuition, a new roof, a special gift or dream vacation. Based on the equity accumulated, and secured by the value of your home, they feature affordable rates and terms, and personalized, professional service. Lines of Credit a revolving line of credit secured by the equity in your home Convenient access Competitive interest rates Payment flexibility Fast credit approvals Potential tax advantages (consult your tax advisor for details) Option to convert the balance or portion of the balance to a fixed rate term loan Schedule or make payments online All loans are subject to credit approval Fixed Rate Conversion Loans a convenient way to convert the balance or portion of your home equity line of credit to a fixed rate term loan Fixed interest rate Level monthly principal and interest payments Specified maturity date Schedule or make payments on line Line availability increases as the term loan is paid down Fast credit approvals All loans are subject to credit approval 19

19 ACCOUNTS AND SERVICES Term Loan a term loan secured by the equity in your home Fixed interest rate Level monthly principal and interest payments Long-term amortization with low payments Potential tax advantages (consult your tax advisor for details) Schedule or make payments online Fast credit approvals All loans are subject to credit approval Ready Reserve Line of Credit Available for Hickory Point Bank checking accounts, this line of credit makes it easy to borrow, as easy as writing a personal check. After your initial application, you need not apply again for access to additional funds from this line of credit. Be prepared for unexpected expenses Overdraft protection Funds automatically transferred into checking account Affordable rates and flexible terms Minimum line of credit is $100; maximum line is $5,000. Low monthly fee of $1.00 per month Minimum monthly payment is $10 or 4% of balance, whichever is greater Easy application process Local decision-making Courteous personal service All loans are subject to credit approval Credit Cards Hickory Point Bank proudly offers a variety Visa credit cards through Elan Financial Services, from rewards cards and several other affordable cards for everyday use. Make purchases virtually any time, any where Accepted worldwide at thousands of merchants Low to no annual fees No balance transfer fees Variety of benefits with each type of card Easily replaced if lost or stolen All card accounts subject to credit approval Mortgage Loans As one of the leading mortgage lenders in Central Illinois, Hickory Point Bank offers many affordable financing choices to fit your credit needs. Low, competitive rates Terms to fit your budget and needs Prequalification for better buying power No pre-payment penalty Refinancing available Loans serviced locally Prompt, professional service with local decision-making All loans are subject to credit approval 20

20 Construction Loans Competitive rates and flexible terms Affordable payments Local decision-making Interest-only payments during construction Permanent mortgage financing available All loans are subject to credit approval Commercial Term Loans Tailored business loans to your business needs, whether you are looking to expand your business, purchase assets, or upgrade equipment. Competitive fixed or variable interest rates Flexible repayment terms to fit your budget Funds may be provided up-front, or advanced over time All loans are subject to credit approval Commercial Lines of Credit Hickory Point Bank can provide working capital financing for businesses of all sizes. A revolving line of credit may be used to finance seasonal or cyclical changes in working assets or to provide shortterm financing for equipment and other capital asset purchases. Helps smooth seasonal cash flow variations Funds are easily accessible via Commercial Online Banking Take advantage of trade discounts for prompt payment Ensure access to liquidity when you need it most All loans are subject to credit approval Commercial Construction Loans Funds are available to finance the construction of commercial and residential properties to help foster growth. Our bankers are ready to assist developers and builders with the planning and financing needed to make your next construction project a reality. Interest only payments during construction Flexible terms customized for your next project May include lease-up or stabilization phase Hybrid construction and permanent financing options All loans are subject to credit approval Commercial Mortgage Loans Business owners and real estate investors understand the value of a reliable source of funding. Through the ups and downs of the economic cycle and the myriad challenges you face along the way, you may rely on Hickory Point Bank professionals to be a creative and consistent force for your company s real estate financing needs. Flexible disbursement and repayment terms Fixed or variable interest rates Owner occupied or investment properties Diverse property types, including offices, manufacturing, warehouse, multi-family housing, retail and single-tenant build-to-suit All loans subject to credit approval 21

21 ACCOUNTS AND SERVICES Letters of Credit A Hickory Point Bank letter of credit puts the full faith and credit of the Bank behind your transaction or project, and it can be customized for your unique business circumstances. Letters of credit may be more economical than bonding, and international letters of credit can also be arranged. Guarantee of specific performance or payment May be used as a credit enhancement for large shipping or sales transactions, infrastructure improvements, utility payments, self-insurance obligations and many other uses. All loans are subject to credit approval Corporate Credit Cards Businesses use corporate credit cards for a variety of reasons, such as travel and entertainment expenses, or as a corporate purchasing card to maximize trade discounts while stretching your payment cycle. Monitor cash flow and track spending Accepted at all Visa locations worldwide Each card type offers rewards and/or benefits Anti-fraud monitoring is available All card accounts are subject to credit approval Hickory Point Bank offers the following in innovative Cash Management services: Lock Box Processing Save a step and have your customers send their payments directly to us with Lock Box processing. Hickory Point Bank is one of the largest lock box processors in central Illinois, serving clients ranging from large corporations to small businesses. You will benefit from approved float periods, lower administrative costs, and improved recordkeeping. Convert accounts receivables to cash more quickly Receive deposits throughout the day Maximize the availability of funds Reduces staff time and effort Expedites mail movement Eliminates delayed deposits Improves recordkeeping SpotPay Lower the cost of accepting credit cards while ensuring fast and easy transactions, anywhere you offer your products and services. SpotPay provides the convenience you need on-the-go, with unmatched security for you and your customers that pay by card. Accept credit and debit card transactions anytime, anywhere Sensitive customer data is never stored on your phone Sales receipt, refund and void capabilities right from your mobile device Transaction reporting helps you manage your card sales business Expert support at Hickory Point Bank 22

22 Remote Deposit Capture Enjoy the convenience of making deposits electronically 24/7 from your home or office. Scanned checks from your computer are automatically imaged and deposited through a secure internet connection to your account. Easy to set up and easy to use. Adds convenience and efficiency Make deposits any time, including weekends and holidays Eliminate extra trips to the bank Expedite your cash flow and put your money to work quickly View front and back images of checks Automated Clearing House (ACH) The Automated Clearing House (ACH) is a secure network used to connect banks to each other, facilitating processing of direct deposits, electronic payments, and fund transfers. It also works well for business-to-business payments, electronic payments and certain local, state and federal tax transactions. ACH Debits Collect payments securely and quickly Payments transferred electronically Funds are available more quickly Saves time and money on accounts receivables Reduces returned check items ACH Credits and Payroll Pay vendors and suppliers quickly and conveniently Accelerate cash flow automatically Secure transactions Simplify, schedule, and manage your payroll Reduce expense and time of paper checks Investment Sweep/Loan Sweep* These services provide an attractive investment vehicle for excess balances in your commercial checking accounts. Funds above a specified target balance are swept into an overnight investment account or line of credit, potentially enhancing your company s yield on cash balances. Put excess funds to work for your business Maximize investment balances Increase profitability Funds are swept into an interest-bearing account or against a line of credit overnight Funds are available in your checking account the next business day Fully automated and secure * Investment sweep products are NOT FDIC insured 23

23 ACCOUNTS AND SERVICES Re$ubmitIt Check Collection Hickory Point Bank s electronic check recovery service significantly reduces the burden of collections, while potentially doubling your recovery rate. You collect returned checks and get 100% of the face value of all checks collected electronically. Re$ubmitIt handles the collection process discreetly from beginning to end via ACH for re-presentment directly to the check writer s bank account. Recovers 100% of the face value of all checks collected electronically Increases collection rates Recovers items more quickly Reduces cost of manual processing Provides on-line collection status 24/7 Allows you to focus on serving your customers, not collections Merchant Services Give your customers a more convenient way to pay for goods and services. Hickory Point Bank s merchant credit card program provides a convenient, cost effective way to accept credit cards. Our partner, Elavon, provides business customers with affordable payment processing solutions. Give your customers more ways to pay Add convenience by eliminating check writing Increase sales and efficiency Improve your cash flow Access funds from sales faster Secure, reliable technology Affordable rates, customized solutions Positive Pay This automated fraud protection tool allows you to create a database of previously issued, authorized checks to match against the checks clearing in your account. We provide you with a daily listing of all checks coming into the bank that are not on the approved database, so you decide if the check should be paid or rejected. This service may also be used to block unauthorized ACH debit transactions from posting to your account. Protects your company s assets Fully automated and convenient Reduces chance of check fraud Safeguards account information Detects check fraud in a more timely manner Payee match 24

24 Online Banking Access all of your accounts 24/7 from any computer with an internet connection. Make transfers, check balances, view account history, pay your bills and more. Secure service for Hickory Point Bank customers Instant access to account balances and transactions Confirm deposits Determine if a check has cleared View images of cancelled checks Transfer funds between your Hickory Point Bank accounts Verify loan balances and make payments Additional features include ACH, wire transfers, stop payments and statement recovery. Safe Deposit Boxes Protect important documents and valuables with a safe deposit box from Hickory Point Bank, available at most branch locations. Safeguard valuables and important documents Low annual fee 25

25 ACCOUNTS AND SERVICES Hickory Point Bank has many other fiduciary services to offer, including Agricultural Services*, Investment Management*, Personal Trust Services*, and Corporate Trust Services*: Agricultural Services Enhancing Farmland Ownership Hickory Point Bank can be your partner in successful farm management by understanding your needs and working to reach your goals and objectives. We represent individual landowners, trusts, estates, charitable organizations, corporations, and governmental agencies. Farm Management We manage farmland throughout the Midwest and have the expertise to provide everything needed for farm management, including lease analysis, government program evaluation, grain marketing, soil conservation, and soil fertility. Rural Real Estate Brokerage We have extensive experience in farmland real estate sales, purchases, exchanges, and auctions through Schroeder/Huber LLC.* Farmland Appraisal Services Our State Certified General Appraisers have the experience and expertise to meet your needs for rural real estate appraisals through Schroeder/Huber LLC.* Consulting We offer consulting services for court proceedings, complex land divisions, farmland investment analysis, and general consulting. *Real estate brokerage, appraisals, and auctions provided by Schroeder/Huber LLC. Investment Management Allow us to manage and help preserve your financial assets. Our Investment Professionals will work to organize, manage and help preserve your financial assets. We are dedicated to the execution of investment management and estate planning for you and your company. Investment Management Account (Discretionary)* Drawing upon our sources of research and analysis, we manage your financial assets proactively given a set of parameters, including income needs, desires for growth and tolerance for risk. 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 for your account. 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. 26

26 Brokerage Services** Our investment center makes available several opportunities through Raymond James Financial Services to help meet your financial goals, including Retirement Planning, Asset Management and Cash Management. *Services offered by Hickory Point Bank & Trust, fsb are not FDIC-insured, are not deposits or other obligations of Hickory Point Bank & Trust, fsb and have no bank guarantee, and are subject to investment risk including possible loss of principal value. **Securities are offered exclusively through Raymond James Financial Services, Inc. (Member FINRA/SIPC, an independent broker/dealer), and are not insured by FDIC or any other governmental agency, are not deposits or obligations of the bank, and are not guaranteed by the bank, and are subject to risks, including the loss of principal. HPB Financial Services and Hickory Point Bank are independent of Raymond James Financial Services, Inc. 225 North Water Street, Decatur, IL Personal Trust Services* Our Trust Professionals will tailor a financial plan and offer products and services to fit your particular financial objectives. Estate Settlement We provide professional estate settlement services and as a corporate fiduciary, we will strictly abide by the elements of the Will without being swayed by family issues. Agent for Executor We provide professional estate settlement services and keep the Executor updated as to the various steps and processes of settling the state. Living Trusts We act as your trustee, and in the event of your incapacity can take on the responsibility of keeping your financial affairs in order. Charitable Trusts We will work with you to design an approach tailored to your own particular set of charitable intentions and family financial planning objectives. Trust in Your Will When leaving someone with the benefits of property,, a trust can eliminate the burden of its management. Agent for Trustee/Agent for Executor An individual may want to fulfill their role as trustee but may hire the bank as their agent to perform the investment management, accounting and reporting services. Guardianships We will act as the financial guardian when the Court directs that a financial settlement be placed with a corporate trustee because the beneficiary is a minor or for an adult who has been declared incompetent. 27