1. What are E-Statements?
2. How much does the E-Statement service cost?
3. What are the computer requirements necessary for E-Statements?
4. Are E-Statements available for all of my accounts?
5. Will I still receive my paper statement in the mail?
6. Will my electronic statement look the same as my printed statement?
7. Will I still receive inserts and disclosures with my E-Statement?
8. Where do I go to get help with E-Statements?

1. I'm a HandyNet^® Online Banking customer, how do I enroll in E-Statements?
2. I'm not registered for HandyNet^® Online Banking, can I sign up for E-Statements?
3. When will my first E-Statement be available?
4. How do I un-enroll an account from E-Statements?

1. How will I be notified when my statement is available?
2. If my e-mail address changes, how do I notify Hancock Bank?
3. Can I cancel the e-mail notification that my statement is ready?
4. How do I view my E-Statement?
5. How many statements can I access through E-Statements?
6. I currently receive check images with my statements; will these be included in my E-Statement?
7. How do I save my E-Statement?
8. If I cancel E-Statements or close my account will I still be able to access my previous statements for that account?

Hancock Bank provides the E-Statement service to our customers at no charge.

To use the E-Statement service, you must have a personal computer with internet access. A 128-bit encrypted browser is required, along with a current version of Internet Explorer or Netscape. E-Statements are only available in PDF format. You will need Adobe^® Acrobat^® Reader (version 7.0 or greater) to view, print, and/or save your E-Statement and any disclosures. For printing, you will need to have access to a printer. You may download Adobe^® Acrobat^® Reader at no charge. You can visit our Tools and Plug-Ins page to get started with this download.

E-Statements are available for most Checking and Savings accounts, excluding CD's, IRA's, Christmas Club Savings accounts, and Commercial Checking accounts.

When an account is enrolled in E-Statements, paper statements for that account are no longer produced. However, you may print the electronic statement that you receive if you prefer to have a paper copy.

Yes, the statement will contain all of the same information and notifications that you would normally receive. It will also contain check images, if applicable.

Yes, you will have access to inserts and disclosures through special links after selecting to View Statements. A "View Statement Disclosures" link will open a PDF copy of the statement backer page, containing the general disclosures normally provided on the back of the first page of your mailed statement. This page will also display within the PDF of your Checking statements as the last page to view, save, or print.

You may access helpful information by clicking the Help tab at the top of the HandyNet^® screen.

If you need personal assistance, you may send a Secured Message through HandyNet^® or call a HandyCall Customer Service representative:

• In Mississippi, (800) 448-8812
• In Louisiana, (800) 256-4636
• In Florida, (800) 726-0920
• In Alabama, (866) 744-8801

Enrolling an account in E-Statements is fast and easy. Simply log onto HandyNet® and select the E-Statements tab. Here you will see a list of E-Statement eligible accounts and you may select the one you would like to enroll in E-Statements by clicking the Change button next to the account name^**. After selecting Change, you will see the E-Statements Terms of Use. You must agree to the Terms of Use and consent to Electronic Disclosures in order to enroll in E-Statements. On this page, you may also verify whether you have a current version of Adobe® Reader® by clicking the link at the bottom of the page labeled “Tell me if I have Adobe® Reader® 7.0 or later.” Once you have agreed to the Terms of Use and consented to Electronic Disclosures a confirmation screen will appear with the account information and delivery method. To continue, click Confirm and your account will be enrolled in E-Statements. On the final screen, your e-mail address on file will appear. If the e-mail address we have on file is incorrect, please update it. You will begin receiving electronic statements with your next statement cycle.

**Only the primary owner of an account may enroll the account in E-Statements.

You must be enrolled in HandyNet® Online Banking to view your E-Statements. If you are not enrolled, it's a quick and straightforward task. Just visit the HandyNet® registration page and complete the registration process.

Once you've registered for HandyNet® Online Banking and you've received your online banking user ID, you can enroll in E-Statements. Simply log onto HandyNet® and select the E-Statements tab. Here, you will see a list of E-Statement eligible accounts and you may select the one you would like to enroll in E-Statements by clicking the Change button next the account name^**. After selecting Change, you will see the E-Statements Terms of Use. You must agree to the Terms of Use and consent to Electronic Disclosures in order to enroll in E-Statements. On this page, you may also verify whether you have a current version of Adobe® Reader® by clicking the link at the bottom of the page labeled “Tell me if I have Adobe® Reader® 7.0 or later.” Once you have agreed to the Terms of Use and consented to Electronic Disclosures, a confirmation screen will appear with the account information and delivery method. To continue, click Confirm and your account will be enrolled in E-Statements. On the final screen, your e-mail address on file will appear. If the e-mail address we have on file is incorrect, please update it. You will begin receiving electronic statements with your next statement cycle.

**Only the primary owner of an account may enroll the account in E-Statements.

E-Statement enrollment will be effective within 1 (one) business day. Your first E-Statement will be available beginning with your next statement cycle following registration.

You may choose to cancel E-Statements and resume receiving paper statements at any time. To cancel, log onto HandyNet® and select the E-Statements tab. Here, you will see a list of E-Statement eligible accounts and you may select the one you would like to un-enroll from E-Statements by clicking the Change button next to the account name^**. A confirmation screen will appear and once you select Confirm, the account will no longer be enrolled in E-Statements. You will resume receiving paper statements with your next statements cycle. Keep in mind that, once you have canceled E-Statements, you will no longer be able to access the electronic statements for the account.

**Only the primary owner of an account may enroll the account in E-Statements.

Each time a new statement is available, you will receive an e-mail notification at the e-mail address on file for the primary owner of the account. This notice will not include any personal information or full account numbers. You will receive a separate notice for each account that is enrolled in E-Statements.

The e-mail statement notification will only be sent to the e-mail address of the Primary account holder. If you are the Primary account holder, you may update your e-mail address by logging onto HandyNet® and selecting the HandyNet® Preferences tab. From this screen select Security Info, enter your new e-mail address, and click Save.

You may also update your e-mail address by contacting Customer Service.

No, the e-mail notification is sent for your security and protection and is not optional.

To view your E-Statement, you must first log onto HandyNet®. From the Account Information screen, select the E-Statements tab and then select the account for which you would like to view a statement. A list of the available statements for this account will appear and you may select the statement you would like to view. You will be able to view the current month's E-Statement and previous E-Statements for the number of months you have been enrolled in the service (up to a maximum of the thirteen months). Once you have selected the statement, it will open in PDF format through Adobe® Acrobat® Reader. If you do not have Adobe®, you may download it at no charge. You can visit our Tools and Plug-Ins page to get started with this download.

You will be able to view the current month's E-Statement and previous E-Statements for the number of months you have been enrolled in the service (up to a maximum of the thirteen months).

If you currently receive check images with your statement, they will be included in the PDF document with your E-Statement.

Once you have opened your E-Statement in Adobe® Acrobat® Reader, you may save it by clicking on the small disk icon on the toolbar. Provide a file name with a .pdf extension. We recommend using a name that will identify which statement you are saving such as CheckingSeptember2007.pdf.

No. Once you have canceled E-Statements for an account or closed the account, the previous statements will no longer be available online. For this reason, we recommend you save or print each statement you receive electronically. You may request previous statements be mailed to you by contacting Customer Service. However, standard fees will apply.