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IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS <br />from <br />BANK OF CHOICE - PLATTEVILLE <br />370 Justin Avenue <br />Platteville, CO 80651 <br />(970)785-2000 <br />ELECTRONIC FUND TRANSFERS <br />YOUR RIGHTS AND RESPONSIBILITIES <br />Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may apply to your account. <br />Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep <br />this notice for future reference. <br />Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers <br />between your account and the third party's account. These transfers to make or receive payment may be one-time <br />occurrences or may recur as directed by you. These transfers may use the Automated Clearinghouse (ACH) or other payments <br />network. Your authorization to the third party to make these transfers can occur in a number of ways. In some cases, your <br />authorization can occur when the merchant posts a sign informing you of their policy. In all cases, the transaction will require <br />you to provide the third party with your account number and financial institution information. This information can be found on <br />your check as well as on a deposit or withdrawal slip. Thus, you should only provide your financial institution and account <br />information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have <br />authorized to initiate these electronic fund transfers. Examples of these transfers include: <br />Preauthorized credits - You may make arrangements for certain direct deposits to be accepted into your checking or <br />savings. <br />Preauthorized payments - You may make arrangements to pay certain recurring bills from your checking or savings. <br />Electronic check conversion. You may provide your check to a merchant or service provider who will scan the check for <br />the encoded financial institution and account information. The merchant or service provider will then use this <br />information to convert the transaction in an electronic fund transfer. <br />Electronic returned check charge. You may authorize a merchant or service provider to electronically collect a charge in <br />the event a check is returned for insufficient funds, <br />BANK OF CHOICE - 24 HOUR INFORMATION LINE transactions - types of transactions - You may access your account by <br />telephone using your account number(s), personal identification number (PIN) and touch tone phone to: <br />transfer funds from savings to savings <br />transfer funds from checking to checking <br />transfer funds from savings to checking <br />transfer funds from checking to savings <br />get balance information about checking, savings, certificate of deposit or line of credit <br />get withdrawal history about checking or savings <br />get deposit history about checking or savings <br />get transaction history about checking or savings <br />You may access your account for telephone transactions at the following number(s) and during the following hours: <br />(877)506-9353 (24 HOURS) <br />ATM Card transactions - types of transactions - You may access your account(s) by ATM using your ATM Card and your <br />personal identification number (PIN) to: <br />deposit funds to checking or savings <br />withdraw cash from checking or savings <br />transfer funds from checking to savings <br />transfer funds from savings to checking <br />REG E DISCLOSURE <br />CO/1 319310472512V04.10 02000 Bankers Systems, Inc., St. Cloud, MN EcjeL" Page 1