The Bank of Denver is a 55 year-old locally owned bank focused on providing friendly, efficient service to all of our personal and commercial customers.

Funds Availability Disclosure
Your Ability to Withdraw Funds
Our policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. At that time, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and Federal Holidays. If you make a deposit before 3:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 3:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

Longer Delays May Apply
In some cases, we will not make all the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. However, the first $100 of your deposit will be available on the first business day.

If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.

In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

• We believe a check you deposit will not be paid.
• You deposit checks totaling more than $5,000 on any one day.
• You redeposit a check that has been returned unpaid.
• You have overdrawn your account repeatedly in the last six months.
• There is an emergency, such as failure of communications or computer equipment.
• New account.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Information Concerning Our Electronic Banking Services
Here are some important things you should know about Bank of Denver's Electronic Fund Transfer (EFT) services.

Preauthorized Automatic Transfers
Bank of Denver offers other electronic fund transfer services which are preauthorized automatic transfers to or from your accounts with us.

Preauthorized EFT credits are regular automatic transfers to your account from a third party, such as your employer (payroll deposit) or the government (Social Security direct deposit). If you have arranged with us to receive a preauthorized EFT credit, you can call us 303-572-3600, to find out whether the deposit has been made. Preauthorized EFT debits are regular automatic transfers from you account to a third party, such as your mortgage company or insurance carrier. If you have arranged any preauthorized EFT debits with us, you have the right to stop any of these payments.

Here's how to stop payments:

• Call us or write us in time for us to receive your request three business days before the scheduled transfer from your account. If you call, we may also require you to put your request in writing and get it to us within 14 days. We will charge you $30.00 for each stop payment you order.
• If you order us to stop a preauthorized EFT debit three business days or more before the scheduled transfer and we do not stop it, we will be liable for your losses or damages to the extent required by law. If your preauthorized EFT debit varies in amount, the third party you are going to pay will tell you, 10 days before the payment, when it well be made and how much it will be.

In Case of Errors or Questions About Our Electronic Transfers
Call 303-572-3600 or write Bank of Denver, P.O. Box 5081, Denver, CO 80217, as soon as you can if you think your statement or receipt is in error, or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we send the first statement on which the problem or error appeared:

• Tell us your account number.
• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
• Tell us the dollar amount of the suspected error.

If you call us, we may require that you send us your complaint or question in writing within 10 business days.

We will tell you the results of our investigation within 10 business days after we hear from you and will promptly correct any error. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will recredit your account within 10 business days for the amount you think is in error, so that you still have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not recredit your account.

If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

General Information about EFT Services

• You will not be held liable for any unauthorized electronic funds transfers involving your accounts.

• Business day disclosure: Our business days are Monday through Friday. Holidays are not included.

• There are no service charges at this time, for electronic fund transfers or for the right to make transfers, other than the normal charges associated with your account.

• All of your electronic fund transfers will be described in account statements. Checking statements are sent monthly. Savings statements are sent monthly when electronic funds transfers have occurred, otherwise quarterly.

• We will disclose information to third parties about your account or the transfers you make:

- Where it is necessary for completing transfers.

- In order to verify the existence and condition of your account for a third party, such as merchant or credit bureau.

- In order to comply with government agency or court orders.

- If you give us your written permission.

• If we do not complete a transfer to or from your account on time or in the correct amount, we will be liable for your losses or damages to the extent required by law. But there are some exceptions.

We will not be liable for instance:

- If, through no fault of ours, you do not have enough money in your account to make the transfer.

- If the transfer would go over the credit limit of your overdraft line, or Bounce Protection^sm.

- If circumstance beyond our control (such as fire, flood or electrical power failure) prevent the transfer despite reasonable precautions that we have taken.

IDSAFECHOICE SELECT
Identity Theft Disclosure

1. Services are provided to the individual(s) in Sponsor's Covered Group; businesses do not qualify for this offer. Benefits are non-transferable.
2. Family coverage extends to the covered individuals, their spouse or domestic partner, dependants up to age 25 with the same permanent residence address, including students and military, and parents of the covered individuals with the same permanent residence address, or living in hospice, assisted living, nursing home or deceased for 12 months or less.
3. Benefits have no cash equivalent, are non-transferable, and non-cancelable (except in the event of termination of the Group Plan.) Provider Services do not cover financial losses of any kind arising from the identity theft.
4. Eligibility for recovery services is based on ID theft events that are discovered and reported to the services provider on or after the effective date of the program and during the eligibility period.
5. Identity Theft is defined as fraud that involves the use of a consumer's name, address, social security number, bank or credit/debit card account number, or other identifying information without the knowledge of the consumer, and such information is used to commit fraud or other crimes.
6. Provider reserves the right to refuse or terminate services if it is deemed that the participating plan member is committing fraud or other illegal acts, making untrue statements, or failing to perform his/her portion of the recovery plan. Provider will not refuse or terminate services to a plan member solely due to the complexity of a case. Provider cannot be held responsible for failure to provide or for delay in providing services when such failure or delay is caused by conditions beyond its control.
7. Service Provider does not provide credit counseling or repair to credit which legitimately belongs to the plan member.
8. Services are only available to residents of the United States. Identity recovery is only performed with agencies and institutions in the United States, or territories where U.S. law applies.
9. Identity theft services are provided by Merchants Information Solutions, Inc. An alternate service provider may be substituted at the discretion of the Sponsor.

Cancellation Policy

Services will be cancelled at the end of the month in which the provider is notified that the customer has opted out of the program.