First National Bank
Lamar
200 S Main
PO Box 988
Lamar, CO 81052
(719) 336-4351

First National Bank
Burlington
107 S 14th St.
PO Box 700
Burlington, CO 80807
(719) 346-5526

First National Bank
Springfield
808 Main St.
Springfield, CO 81073
(719) 523-4541

Frontier Bank
Pueblo
PO Box 8150
4115 Outlook Blvd
Pueblo, CO 81008
(719) 296-1225

Frontier Bank
Pueblo West
PO Box 7319
18 E Spaulding Ave
Pueblo West, CO 81007
(719) 547-9992

Overdraft Payment Options:

Transfer from another account - If you have other deposit accounts with us, you can authorize us to transfer the funds needed to cover your overdraft.  A fee of $2.00 per transfer will apply.

Line of Credit - A line of credit is available to cover overdrafts. This service requires you to complete a loan application. The approval and limit of the Line of Credit is based on your credit worthiness.  A one time set-up fee of $25.00 plus $2.00 per daily transfer will apply.

Overdraft Privilege – Overdraft Privilege is a service we add to your checking account to cover overdrafts to a set limit, subject to the eligibility criteria explained below. While we reserve the right to unilaterally refuse to pay any item that is presented, with Overdraft Privilege we will generally pay your overdraft items up to a certain limit. When we pay overdraft items you will be charged the normal $18.00 per item Overdraft handling fee.  The overdraft items and all applicable fees will count towards the total Overdraft Privilege limit.

Overdraft Privilege Eligibility -.  Whether your overdrafts will be paid is discretionary and we reserve the right not to pay.  For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too may overdrafts.

No application is required for Overdraft Privilege. You will generally be eligible for Overdraft Privilege unless:

• You do not bring your account to a positive balance at least once every 30 days.
• You are more than 30 days past due on any Bank loan or other obligation to the Bank.
• You are subject to any legal or administrative orders, levy, or a bankruptcy proceeding.
• You have an outstanding balance on an Overdraft Repayment Plan.
• An extended hold is being placed on your checking account or any other account relationship.
• A ChexSystems or any other negative indicator is present.
• You have an account that has been opened less than 30 days, or if you were overdrawn for more than 10 consecutive days during the 30 day period prior to our review of your account eligibility.

Covering the Overdraft checking account.
You should bring your checking account to a positive balance as soon as possible and certainly within 10 days. You will have up to 30 days maximum to pay any overdraft and associated fees. However, we can ask for repayment sooner. Any deposit you make will first be applied to any overdrawn balance and fees.

Suspension of Privilege - After the Overdraft Privilege has been activated, we have the right to suspend the privilege at any time based on failure to meet our eligibility criteria.

Exclusion from Initial Offering - You may be excluded from the initial offering of the Overdraft Privilege if your account has been overdrawn for more than 10 consecutive days, you have had excessive overdrafts in the past year or we otherwise determine this account feature may not be appropriate for you.  We will subsequently review accounts that were not eligible at the initial activation and grant them the privilege if they become eligible.  Eligibility for Business accounts will be determined on an account by account basis.

Transactions Covered by Overdraft Privilege - The Overdraft Privilege is available for checks you write, ACH items and preauthorized automatic transfers.  It is not available for ATM transactions, Debit Card purchases or other electronic transfers.

Payment Order of Items - Items are typically paid in the following order; ATM withdrawals, debit card transactions, ACH items, preauthorized automatic transfers, telephone-initiated transfers and any other electronic transfers, and then checks written in sequential check number order.  However there may be exceptions to this payment order from time to time.

Opt Out - You may never need to take advantage of these overdraft checking account payment options, but you may find them useful in the event of a temporary shortfall. In the event that you do not want to have Overdraft Privilege, simply contact us and we will remove this benefit from your account.

Additional Information - Your account agreement describes the duties, obligations, and rights of depositors, authorized signatories and the bank with regard to your deposit accounts. That account agreement is incorporated herein for all purposes as if it were set forth verbatim as to matters not directly addressed by this disclosure. Your account agreement and this disclosure shall be construed to minimize conflicts between them.

Waiver: The Bank's forbearance from, or delay in, exercising any of it's rights, remedies, privileges, or right to insist on your strict performance of any provision of your account agreement, this Overdraft Privilege disclosure, or any other provision related to your account, shall not be construed to be a current or future waiver of the Bank's right, remedies, or privileges.

OVERDRAFT PRIVILEGE LIMITS FOR QUALIFYING ACCOUNTS IS SHOWN ON THE CHART BELOW:

Account Type	Limit	Account Type	Limit
Free Checking	$300	Non Profit Organization	$300
Regular Checking	$500	Business Checking (if eligible)	$500
Primary & Banclub Checking	$500
NOW & First 55 Checking	$500