Conversion Booklet

3 As we prepare for July’s technology upgrade, we’d like to thank you for being a Highlands Community Bank customer. You’ve entrusted us with your accounts, and we’ve worked hard to ensure this upgrade provides meaningful enhancements that make your banking experience better, simpler, and more secure. This booklet is designed to provide you with full details on how to prepare and what to expect before, during, and after the technology upgrade. If you haven’t already done so, signing up for Online Banking is the safest and most secure way to ensure we have your email address to keep you up to date on the upgrade. You will continue to receive communications by mail as well. All digital communications will come from donotreply@hc.bank. Rest assured, our teamwill be available throughout and beyond the upgrade process to provide youwith a seamless transition, offer assistance, and answer any questions you have. Please feel free to contact info@hc.bank or call (540) 962-2265. Thank you again for the trust you’ve placed inHighlands Community Bank. We look forward to serving you in the future with a premium, user-friendly, secure banking experience. Table of Contents Introduction....................................................................................... Technology Upgrade Schedule......................................................... Personal and Business Banking........................................................ What’s Staying the Same?................................................................. What’s Changing?.............................................................................. Frequently Asked Questions............................................................ 3 4 6 8 9 10