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<br />YOUR All~ITY TO WITHDRAW F'lJNPS AT <br /> <br />ALPINE BANK BASALT <br />137 MIDLAND AVE. PO BOX R <br />BASALT CO 81621 <br /> <br />THIS POLICY STATEMENT APPLIES TO "TRANSACTION" ACCOUNTS. TRANSACTION <br />ACCOUNTS, IN GENERAL ARE ACCOUNTS WHICH PERMIT AN UNLIMITED NUMBER OF PAYMENTS TO <br />THIRD PERSONS AND AN UNLIMITED NUMBER OF TELEPHONE AND PREAUTHORIZED TRANSFERS TO <br />OTHER ACCOUNTS OF YOURS WITH US. CHECKING ACCOUNTS ARE THE MOST COMMON <br />TRANSACTION ACCOUNTS. FEEL FREE TO ASK US WHETHER ANY OF YOUR OTHER ACCOUNTS <br />MIGHT ALSO BE UNDER THIS POLICY. <br /> <br />OUR POLICY IS TO MAKE FUNDS FROM YOUR DEPOSIT ACCOUNTS AVAILABLE TO YOU ON <br />THE FIRST BUSINESS DAY AFTER THE DAY WE RECEIVE THE DEPOSIT. ELECTRONIC TRANSFERS <br />Wll..L BE AVAILABLE ON THE DAY WE RECEIVE THE DEPOSIT. ONCE THEY ARE AVAILABLE, YOU <br />CAN WITHDRAW THE FUNDS IN CASH AND WE Wll..L USE THE FUNDS TO PAY CHECKS THAT YOU <br />HAVE WRITTEN. <br /> <br />PLEASE REMEMBER THAT EVEN AFTER WE HAVE MADE FUNDS AVAILABLE TO YOU, AND <br />YOU HAVE WITHDRAWN THE FUNDS, YOU ARE STILL RESPONSffiLE FOR CHECKS YOU DEPOSIT THAT <br />ARE RETURNED TO US UNPAID AND FOR ANY OTHER PROBLEMS INVOLVING YOUR DEPOSIT. <br /> <br />FOR DETERMINING THE AVAILABILITY OF YOUR DEPOSITS. EVERY DAY IS A BUSINESS DAY, <br />EXCEPT SATURDAYS, SUNDAYS, AND FEDERAL HOLIDAYS. IF YOU MAKE A DEPOSIT BEFORE <br />3:00 PM MONDAY THROUGH THURSDAY OR BEFORE 3:00 PM FRIDAY ON A BUSINESS DAY THAT <br />WE ARE OPEN, WE WILL CONSIDER THAT DAY TO BE THE DAY OF YOUR DEPOSIT. HOWEVER, IF YOU <br />MAKE A DEPOSIT AFTER THESE CUT-OFF TIMES OR ON A DAY THAT WE ARE NOT OPEN, WE WllL <br />CONSIDER THAT THE DEPOSIT WAS MADE ON THE NEXT BUSINESS DAY WE ARE OPEN. <br /> <br />LONGER DELAYS MAY APPLY <br /> <br />... <br /> <br />IN SOME CASES, WE Wll..L NOT MAKE ALL OF THE FUNDS THAT YOU DEPOSIT BY CHECK <br />AVAILABLE TO YOU ON THE FIRST BUSINESS DAY AFTER THE DAY OF YOUR DEPOSIT. DEPENDING <br />ON THE. mE OF CHECK THAT YOU DEPOSIT, FUNDS MAY NOT BE AVAILABLE UNTIL THE FIFTH <br />BUSINESS DAY AFTER THE DAY OF YOUR DEPOSIT. HOWEVER. THE FIRST $100 OF YOUR DEPOSITS <br />Wll..L BE AVAILABLE ON THE FIRST BUSINESS DAY AFTER WE RECEIVE YOUR DEPOSIT. <br /> <br />IF WE ARE NOT GOING TO MAKE ALL OF THE FUNDS FROM YOUR DEPOSIT AVAILABLE ON <br />THE FIRST BUSINESS DAY AFTER WE RECEIVE YOUR DEPOSIT. WE Wll..L NOTIFY YOU AT THE TIME <br />YOU MAKE YOUR DEPOSIT. WE Wll..L ALSO TELL YOU WHEN THE FUNDS Wll..L BE AVAILABLE. IF <br />YOUR DEPOSIT IS NOT MADE DIRECTLY TO ONE OF OUR EMPLOYEES, OR IF WE DECIDE TO TAKE <br />THIS ACTION AFTER YOU HAVE LEFT THE PREMISES, WE Wll..L MAIL YOU NOTICE BY THE DAY <br />AFTER WE RECEIVE YOUR DEPOSIT. <br /> <br />IF YOU NEED THE FUNDS FROM A DEPOSIT RIGHT AWAY, YOU SHOULD ASK US WHEN THE <br />FUNDS Wll..L BECOME AVAILABLE. <br /> <br />~ <br /> <br />i-"''-< <br /> <br />IN ADDITION, FUNDS YOU DEPOSIT BY CHECK MAY BE DELAYED FOR A LONGER PERIOD <br />UNDER THE FOLLOWING CIRCUMSTANCES: <br /> <br />WE BELIEVE A CHECK YOU DEPOSIT Wll..L NOT BE PAID. <br /> <br />YOU DEPOSIT CHECKS TOTALING MORE THAN $5,000 ON ANY ONE DAY. <br /> <br />YOU REDEPOSIT A CHECK THAT HAS BEEN RETURNED UNPAID. <br /> <br />YOU HAVE OVERDRAWN YOUR ACCOUNT REPEATEDLY IN THE LAST SIX MONTHS. <br /> <br />THERE IS AN EMERGENCY, SUCH AS A FAILURE OF COMMUNICATION OR COMPUTER <br />EQUIPMENT. <br /> <br />WE Wll..L NOTIFY YOU IF WE DELAY YOUR ABILITY TO WITHDRAW FUNDS FOR ANY REASON. <br />WE WILL NOTIFY YOU WHEN THE FUNDS Wll..L BE AVAILABLE. THEY Wll..L BE AVAILABLE NO <br />LATER THAN THE ELEVENTH BUSINESS DAY AFTER THE DAY OF DEPOSIT. <br /> <br />FORM 13 <br /> <br />REGCCD <br />