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r EGULATION E DISCLOSUF,,?') <br />Depositor: State of Colorado Mined Land Reclamation Board Financial First National Bank of Durango <br />TED R HUBBS FAMILY TRUST, Barbara Institution: Not Just A Bank, Your Banking Partner <br />Hubbs Trustee PDPA 010004005101 259 West Ninth Street <br />367 COUNTY RD 129 PO Box L <br />HESPERUS, CO 81326 Durango, CO 81302 <br />ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES <br />This Agreement and Disclosure is made in compliance with Colorado and federal law regulating electronic funds transfer (EFT) services. Electronic <br />funds transfers are electronically initiated transfers of money involving a deposit account at the Financial Institution. The following disclosures set forth <br />your and our rights and responsibilities concerning the electronic funds transfers. In this Agreement, the words "you" and "your" mean those who sign <br />as applicants or any authorized user(s). The words "we", "us" and "our" mean the Financial Institution. <br />1 st Cash Card <br />Brief Description: `Access your account... anytime, anywhere*Get cash worldwide from your First National account at over 10 million ATM <br />machines *withdraw from checking or savings` <br />Types of Transfers: You may use the automated teller machine (ATM) card and personal identification number (PIN) issued to you to initiate <br />transactions at ATMs of ours, ATMs within the networks identified on your card and such other facilities as we may designate from time to time. At <br />present you may use your card to (some of these services may not be available at all ATMs): <br />* Deposit funds to your checking account. <br />Withdraw cash from your checking account. <br />Deposit funds to your savings account. <br />` Withdraw cash from your savings account. <br />` Transfer funds between your checking and savings accounts. <br />Obtain balance information on your deposit accounts. <br />Limitations on Frequency and Amount: <br />For security purposes, there are limits on the frequency and amount of transfers you may make at ATMs. <br />Fees and Charges for ATM Transactions: <br />* There is no charge for ATM withdrawals at machines owned by us. <br />* There is a $1.50 charge for each ATM withdrawal at machines we do not own. <br />Zero ATM withdrawals per month are allowed free of charge. <br />Transfer Fee: $10.00. <br />` There is an Annual Card Fee of $10.00. <br />` There is a Replacement Card Fee of $10.00 per card. <br />` Capture Fee: $10.00 Place Card on Criteria: $20.00 Personal Identification Number Replacement $10.00. <br />Direct Deposit Arrangements <br />Brief Description: *A safe and convenient way to make your depositsl* <br />Types of Preauthorized Transfers: You may arrange for us to complete the following preauthorized transfers to your deposit accounts: <br />* Accept direct deposits from your employer, U.S. Treasury Department or other financial institutions to your checking or savings account. <br />Fees and Charges: <br />We do not charge for any Direct Deposit Arrangements. <br />` We will charge $18.00 for each stop-payment order for preauthorized transfers. <br />Cash Management <br />Brief Description: 'The ultimate in funds management*Access your bank account from your personal computer 24 hours a day, 7 days a week'View <br />your account transactions`Initiate stop payments, wire transfers and E-Mail*Transfer funds between accounts* receive faxes`Enjoy the freedom of <br />banking 24 hours a dayll` <br />Types of Preauthorized Transfers: You may arrange for us to complete the following preauthorized transfers to your deposit accounts: <br />Wire Transfers. Transfers between accounts. <br />Limitations on Frequency and Amount: <br />' Transfers from a money market deposit account to another account or to third parties by preauthorized, aujtomatic, or telephone transfers are <br />limited to six per month or statement cycle with no more than three by check, debit card or similar order to third parties. Transfers from a <br />savings account to another account or to third parties by preauthorized, automatic , or telephone transfers are limited to six per month or <br />statement cycle. <br />Fees and Charges: <br />` 20.00/Month + $200.00 setup. <br />' We will charge $18.00 for each stop-payment order for preauthorized transfers. <br />Electronic Payments/Deposits <br />Types of Preauthorized Transfers: You may arrange for us to complete the following preauthorized transfers to your deposit accounts: <br />Fees and Charges: <br />We do not charge for any preauthorized EFTS.