Electronic Availability of Future Proxy Materials

You can consent and elect to receive all future proxy statements, proxy cards and annual reports electronically by accessing www.envisionreports.com/HBIA. You may also sign up for electronic access by logging into the Investor Center at: www-us.computershare.com/investor and indicate that you agree to access future proxy materials electronically.

Please note that you may unsubscribe to the receipt of your proxy statements, proxy cards and annual reports by electronic delivery at any time by changing your elections at the Investor Center.

You will continue to receive a paper copy of any future Notice of Annual Meeting, along with information on where electronic copies of the Proxy Statement, Form of Proxy, and our Annual Report to Shareholders may be accessed.