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Electronic Record and Signature Disclosure created on:10/25/2022 I 03:44 PM <br /> Parties agreed to:Andy Freeland,Megan Fredrickson <br /> ELECTRONIC RECORD AND SIGNATURE DISCLOSURE <br /> From time to time,Hickory Point Bank&Trust(we,us or Company)may be required by law to <br /> provide to you certain written notices or disclosures.Described below are the terms and <br /> conditions for providing to you such notices and disclosures electronically through the DocuSign <br /> system.Please read the information below carefully and thoroughly, and if you can access this <br /> information electronically to your satisfaction and agree to this Electronic Record and Signature <br /> Disclosure(ERSD),please confirm your agreement by selecting the check-box next to `I agree to <br /> use electronic records and signatures' before clicking `CONTINUE' within the DocuSign <br /> system. <br /> Getting paper copies <br /> At any time,you may request from us a paper copy of any record provided or made available <br /> electronically to you by us. You will have the ability to download and print documents we send <br /> to you through the DocuSign system during and immediately after the signing session and,if you <br /> elect to create a DocuSign account, you may access the documents for a limited period of time <br /> (usually 30 days)after such documents are first sent to you.After such time, if you wish for us to <br /> send you paper copies of any such documents from our office to you,you will be charged a <br /> $0.00 per-page fee. You may request delivery of such paper copies from us by following the <br /> procedure described below. <br /> Withdrawing your consent <br /> If you decide to receive notices and disclosures from us electronically,you may at any time <br /> change your mind and tell us that thereafter you want to receive required notices and disclosures <br /> only in paper format.How you must inform us of your decision to receive future notices and <br /> disclosure in paper format and withdraw your consent to receive notices and disclosures <br /> electronically is described below. <br /> Consequences of changing your mind <br /> If you elect to receive required notices and disclosures only in paper format,it will slow the <br /> speed at which we can complete certain steps in transactions with you and delivering services to <br /> you because we will need first to send the required notices or disclosures to you in paper format, <br /> and then wait until we receive back from you your acknowledgment of your receipt of such <br /> paper notices or disclosures.Further,you will no longer be able to use the DocuSign system to <br /> receive required notices and consents electronically from us or to sign electronically documents <br /> from us. <br /> All notices and disclosures will be sent to you electronically <br />