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14. We want the ATM and night deposit facility to be safe and convenient for you. Therefore, please tell us if you know of <br />any problem with a facility. For instance, let us know if a light is not working or there is any damage to a facility. <br />Please report any suspicious activity or crimes to both the operator of the facility and the local law enforcement officials <br />immediately. <br />Other Terms <br />(1) CHANGES IN TERMS AFFECTING ELECTRONIC FUNDS TRANSFER <br />From time to time we may change the terms and conditions of your account, including the terms applicable to electronic <br />transfers. Unless an immediate change is necessry to ensure the security of our electronic transfer system or your account, we <br />will send yuou prior written notice as required by law. We will notify you of any change in accordance with the requirements <br />of Regulation E if we would: <br />a. Increase your charges or liability: or <br />b. Decease the number of services you can use: or <br />c. Place stricter limits on the frequency or amount of transfers that you can make. <br />(2) TERMINATION OF ELECTRONIC FUND TRANSFER PRIVILEGIES <br />All of our electronic transfer privilege will end if your account is closed. Either the Bank or you may terminate specific <br />electronic transfer services without closing your account. You may terminate a service by calling or writing us at the number <br />or address provided. We may terminate you Card or PIN or your right to receive electronic funds transfers at any time. <br />MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST <br />REG E DISCLOSURE <br />CO/1 319310472512 V04.10 02000 Bankers Systems, Inc., St. Cloud, MN Ex-p-e3t%- Page 5