Online Banking Terms and Conditions

Century Bank and Trust

Online Banking Terms & Conditions and Electronic Fund Transfer Act Disclosure

1. Agreement

This Agreement and disclosure sets forth your and our rights and responsibilities concerning the use of Century Bank and Trust’s Online Banking Service. In this agreement, the words "you" and "your" mean those who sign as applicants or any authorized user(s). The words "we,""us" and "our" mean Century Bank and Trust. By using Online Banking you agree to all of the Terms & Conditions of this Agreement.Please read it carefully. The Terms & Conditions of the deposit agreements and disclosures for each of your Century Bank and Trust accounts as well as your other agreements with Century Bank and Trust, such as loans, continue to apply notwithstanding anything to the contrary in this Agreement. This Agreement is also subject to applicable federal laws and the laws of the State of Michigan (except to the extent this Agreement can and does vary such rules or laws). If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. The headings in this Agreement are for convenience or reference only and will not govern the interpretation of the provisions.

2. Access Requirements

To subscribe to Century Bank and Trust's Online Banking Service, you must have:

  • At least one eligible account at Century Bank and Trust. Eligible accounts include: Checking Account, Savings Account, Certificate of Deposit, IRA or Loan.
  • A valid e-mail address
  • Access to a computer capable of connecting to the Internet.
  • A connection to the Internet through an Internet service provider.
  • All software required to connect to the Internet. This includes operating systems, connection software and browsers such as Microsoft Internet Explorer, Chrome or Firefox capable of at least 128-bit SSL encryption. You are responsible for the installation, maintenance and operation of your PC and your software. The risk of error, failure, or nonperformance is your own and includes the risk that you do not operate your PC or your software correctly. Century Bank and Trust is not responsible for any errors or failures from any malfunction of your PC or your software. Century Bank and Trust is not responsible for any PC virus related problems that may be associated with the use of the Century Bank and Trust Online Banking system. Century Bank and Trust shall have no liability to you for any damage or other loss, direct or consequential, which you may suffer or incur by reason of your use of your PC or your software. Century Bank and Trust MAKES NO WARRANTY TO YOU REGARDING YOUR PC OR YOUR SOFTWARE, INCLUDING ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

    To subscribe to the Bill Pay service, which we contract to CheckFree, you must have the following:

    • You must have at least one active checking account with Century Bank and Trust. Payments can only be made from a checking account and only if held at Century Bank and Trust. Money market accounts, savings accounts, and other account types cannot be used for Bill Pay;
    • You must be enrolled in Online Banking before enrolling in Bill Pay;
    • You must have a browser capable of supporting 128-bit encryption. This is enforced as a security benefit to customers;
    • You must have a valid Internet e-mail address. You may have given us your e-mail address during enrollment in Online Banking, however, you will be required to also enter it during your Bill Pay enrollment.
    • If you choose to contract with CheckFree for bill pay services, please refer to the separate Terms & Conditions for this service. You will be required to accept such Terms & Conditions when enrolling in bill pay.

      3. Online Banking Services

      Account Inquiries

      At the present time you may use the Century Bank and Trust's Online Banking Service to view current and available balances for accounts eligible within Online Banking. Balance information may not reflect outstanding checks.Balances may also be subject to a hold (written notice of when it was placed should have been received). Online transaction history for checking and savings accounts includes current and previous months. Account statements and check images are available for the previous 36 months. Your statements may be accessed under the Documents option; images may be accessed under the account on the Accounts Page.

      Online Account Transfers

      Transfers initiated through Online Banking before 6:00 p.m. EST on a business day are posted to your account the same day. Transfers completed after 6:00 p.m. EST on a business day, Saturday, Sunday or banking holiday, will be posted on the next business day. We may, but are not required to, make any transfer if you do not have a sufficient balance on the date you request the transfer or the date on which it is scheduled to be made. If we do make the transfer, you agree to reimburse us for the amount of the overdraft. You also understand that we may deduct the amount of the overdraft from any other account you have with us.

      Limitations

      The number of transfers from Century Bank and Trust accounts and the amounts which may be transferred are limited pursuant to the terms of the applicable deposit agreement and disclosure for those accounts. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.

      Business Days

      Our business days for the purposes of processing data are Monday through Friday,not including federal banking holidays.

      4. Security

      We provide continuous monitoring and auditing of all transactions originating from or outbound to the Internet. We operate within all the rules and regulations of the banking and financial industry for Internet commerce. We are committed to working with our communications providers to produce the safest operating environment possible for our customers and will take advantage of evolving security enhancements. Century Bank and Trust works with the leading technology partners to provide the most secure environment possible for Online Banking.You can be assured of the following security measures:

      • Data is encrypted as it travels to and from your PC. Our system supports 128-bit SSL encryption - 128-bit encryption is the highest-grade encryption widely used in commercial and electronic commerce applications.
      • Usernames and Passwords are encrypted and stored on our bank's computer, isolated from the Internet, where they cannot be accessed or downloaded by anyone on the Internet.
      • Automatic lockout occurs after 3 consecutive sign-on failures. Only after calling the Online Banking Desk, for a reset, will the user be able to sign back onto Online Banking.
      • System Session Timeout will automatically sign the customer off after a 15-minute period of non-use. By automatically disabling your session after the 15-minute time limit, the system will help avoid unauthorized use of your accounts if you leave your computer unattended.

        You will be required to choose a Username and Password upon your initial access.Online Banking can only be used to access the Century Bank and Trust accounts that are owned by you. Access to your accounts through Online Banking will be based upon the identification and use of Usernames, passwords, and account ownership as specified on the account being accessed. We undertake no obligation to monitor transactions through Online Banking to determine that they are made on behalf of the account holder. You will be required to change your password every twelve (12) months. Current password requirements will be displayed on the Password Change screen of Online Banking. Keep your Username and Password confidential in order to prevent unauthorized use and possible loss to your accounts, and to prevent unauthorized use of Century Bank and Trust's Online Banking Service. Anyone to whom you give or disclose your Username and Password will have full access to your accounts, even if you attempt to limit that person's authority.

        Century Bank and Trust is committed to the security of its customers' accounts and account information. Similarly, you must take every precaution to ensure the safety, security and integrity of your accounts and transactions with Century Bank and Trust Online Banking. The following guidelines should assist you in this effort:

        • Your password must be at least eight (8) characters in length. It must contain one of each; uppercase letter, lowercase letter, and number.
        • Do not use personal information that is easy to guess, such as your street number, your birthday or a family member's birthday, your driver's license number, etc. Also, do not use information from documents you carry on your person, such as your social security card or credit cards.
        • Memorize your password. Do not write it down or reveal it to anyone.
        • Change your password often (you can do it online within the Online Banking system). You will be required to change your password at least every twelve (12) months.
        • Do not send your Username or Password or privileged account information over any public or general e-mail system.
        • If you forget your Username and/or Password you must contact Century Bank and Trust Online Banking desk to have your password reset. Call us at (517) 278-1504 or toll free at (866) 680-2265, or write us at 100 W Chicago St. Coldwater, MI 49036. The reset is effective as of the next time you log into the system.

          Please observe these guidelines. Remember you may be held liable for the unauthorized use of your Username and Password. Other Important Security Issues:

          • Log off Online Banking as soon as you are finished. Use the "Log Off" button available on every screen within the Online Banking application.
          • Do not leave your account information out in an open area accessible by others, including on your PC screen. For maximum security, EXIT your web browser when leaving your computer unattended.

            5. Terms and Conditions

            By accessing Century Bank and Trust’s Online Banking Service, you also agree to the following Terms & Conditions.

            Availability

            You may use the Online Banking Service seven days a week, twenty-four hours per day. However, there are times when part or all of the system will be unavailable due to maintenance or technical difficulties.

            Fees and Charges

            We do charge for Stop Payment Requests. Your Internet service provider may charge separate fees for the Internet connection. You may also incur telephone connection charges for your connection time to the Internet. These fees are your responsibility.

            Change of Terms

            We reserve the right to change the terms of this Agreement at any time. We will inform you of any changes to the extent it is required by applicable law.Unless stated, changes are effective immediately. Your continued use of our Online Banking and/or Bill Pay services means that you agree to the change. Otherwise, if you disagree with a change you may terminate use of the Online Banking and/or Bill Pay services with us.

            Confidentiality

            You authorize Century Bank and Trust and each of its affiliates to disclose to third parties, agents and affiliates, such as independent auditors, consultants or attorneys, information you have provided or that we or our affiliates have obtained about your accounts and the transfers you make:

            • Where it is necessary to complete transfers;
            • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant;
            • In order to comply with laws, regulations or government agency or court orders;
            • If we arrange with another party to provide part of the Internet services, or if another party provides the products or services that you request using the Internet services;
            • In other instances, if you give us your permission.

              Cancellation of Services

              You may cancel Online Banking service or the Bill Pay service at any time. Call the Online Banking desk at (517) 278-1504 or toll free at (866) 680-2265, or write to us at 100 W Chicago St. Coldwater, MI 49036 and ask to cancel the service.

              You agree that we may terminate this agreement if:

              • You or any authorized user of your password breaches this or any other agreement with us;
              • We have reason to believe that there has been an unauthorized use of your account or password;
              • We notify you or any other party to your account that we have cancelled or will cancel this agreement.

                Termination of service will be effective the first business day following receipt of your written notice. Termination of the agreement will not affect the rights and responsibilities of the parties under this agreement for transactions initiated before termination.

                Century Bank and Trust reserves the right to cancel Online Banking and the Bill Pay service at any time without prior notice if you have insufficient funds in one of your accounts used to settle a funds transfer or bill payment.

                Statements

                Transfers and fees, if applicable, will be reflected on the regular monthly account statements that are mailed to you, or are available to you online if you have elected to receive your account statement electronically. If you requested to receive your statement through Online Banking, an e-mail will be sent notifying you when the statement is available for review. Please continue to review these statements. Online Banking customers may also review these items on their account transaction screens. If your statement shows an incorrect or unauthorized transaction you agree to notify us immediately. If you do not give us written notice within 60 days after the date your monthly statement was mailed to you, the statement will be considered correct for all purposes and we will not be liable for any transfers reflected therein. No legal proceeding or action may be brought against us to recover unauthorized or incorrect transfers unless you give us notice as provided above. You agree to promptly notify us of any change in your address, telephone number and e-mail address.

                Virus Protection

                Century Bank and Trust is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their PC and removable media using a reliable virus product to detect and remove any viruses. Undetected or un-repaired viruses may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.

                Our Liability

                If we fail to complete an electronic fund transfer in time or in the correct amount, in accordance with this agreement and when properly instructed by you, we are liable for your losses or damages. However, there are some exceptions. We are not liable, for instance:

                • If through no fault of ours, you do not have sufficient funds in your account to make the transfer;
                • If the funds are subject to legal process or other encumbrance restricting a transfer;
                • If the transfer exceeds the credit limit on your line of credit, if applicable;
                • If there is a technical malfunction which is known to you at the time you attempt to initiate the transfer or, in the case of a recurring transfer, at the time the transfer should have occurred;
                • If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we take.
                • In no event are we liable for more than actual damages proved if any failure of ours was unintentional, and resulted from a bonafide error, notwithstanding the maintenance of procedures reasonably adopted to avoid such an error.
                • This does not mean that we accept liability for other circumstances resulting in transfers not being made or completed on time. For example, we are not responsible for delayed or failed transfers if:
                • You fail to use the Online Banking services properly in accordance with this agreement and any online or other instructions supplied in connection with the services;
                • You do not request the transfer and schedule the payment date sufficiently in advance of the due date for the obligation you are paying;
                • You exceed applicable restrictions on the number, amount or frequency of transfers;
                • Your computer or software fails to operate correctly, or your instructions are lost or delayed in transmission to us;
                • A bonafide security consideration causes us not to make the transfer (e.g., Username or Password has been reported lost or stolen, we have reason to believe a transfer is unauthorized, or the transfer would violate other security restrictions in our system);
                • Your relevant deposit account is closed or services here under have been terminated or suspended.

                6. Consent to Electronic Delivery of Notices

                You agree that any notice or other type of communication provided to you pursuant to the terms of this agreement, and any future disclosures required by law,including the Electronic Fund Transfer disclosures, may be made electronically by posting the notice on the Online Banking web site or by e-mail. You agree to notify us immediately of any change in your e-mail address.

                ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES

                This Agreement and Disclosure is made in compliance with federal law regulating electronic funds transfer (EFT) services. Electronic funds transfers are electronically initiated transfers of money involving a deposit account at the Financial Institution. In this Agreement, the words "you" and"your" mean those who sign as applicants or any authorized user(s).The words "we", "us" and "our" mean the Financial Institution. The following disclosures set forth your and our rights and responsibilities concerning the electronic funds transfers.

                PREAUTHORIZED TRANSFERS

                You may arrange for us to complete the following preauthorized transfers to or from your deposit accounts.

                • Accept direct deposits from your employer, U.S. Treasury Department or other financial institutions to your checking, savings or loan account.
                • Pay certain recurring bills from your checking or savings account.

                Limitations on Frequency and Amount: Transfers from a money market deposit account or savings account to another account or to third parties by preauthorized, automatic, or telephone transfers are limited to six per four (4) weeks or similar period. If applicable, no more than three of these transfers may be made by check, debit card, or similar order to third parties.

                Fees and Charges:

                • Preauthorized transfers to cover overdrafts are assessed a fee of $7.50 per transaction.
                • We will charge $35.00 for each stop-payment order for preauthorized transfers.

                Other EFT Transactions: You may access certain account(s) you maintain with us by other EFT transaction types as described below:

                Electronic Check Conversion. You may authorize a merchant or other payee to use your check as a source of account information to initiate an electronic withdrawal from your account. Electronic check conversion is a payment process in which a merchant (after obtaining your authorization) uses your check to gather routing, account and check number information to initiate a one-time EFT to pay for purchases or bills. The Electronic Funds Transfer Act and this disclosure cover this type of EFT transaction involving a consumer account. A description of the transaction will appear on your statement. Re-presented Checks,Transactions and Fees. You may authorize a merchant to electronically collect a fee associated with the re-presentment of a check that is returned due to insufficient or unavailable funds. The resulting fee transaction if debited as an EFT from a consumer account is covered by the Electronic Funds Transfer Act and this disclosure. A description of the transaction will appear on your statement.

                Automatic Teller Machine (ATM) Card

                Types of Transfers: You may use the ATM card and personal identification number (PIN)issued to you to initiate 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 present you may use your card to (some of these services may not be available at all ATMs):

                • Deposit funds to your checking or savings account.
                • Withdraw cash from your checking or savings account.
                • Transfer funds between accounts.
                • Limitations on Frequency and Amount:
                • You may withdraw up to a maximum of $250.00 (if there are sufficient funds in your account) per day.
                • Fees and Charges for ATM Transactions:
                • There is no charge for ATM withdrawals at machines owned by us.
                • There is a $1.50 charge for each ATM withdrawal at machines we do not own.

                There is a $5.00 charge to replace your ATM Card prior to renewal.

                MasterMoney (Debit) Card

                Types of Transactions: You may use the card and PIN issued to you to pay for purchases from merchants who have agreed to accept the card at point of sale (POS) terminals within the networks identified on your card and such other terminals as the Bank may designate from time to time.

                Limitations on Frequency and Amount:

                • You may purchase up to a maximum of $1,000.00 worth of goods and services per day per card, exclusive of ATM withdrawals.
                • You may make ATM withdrawals up to a maximum of $250.00 per day.

                Fees and Charges:

                • There is no charge for ATM withdrawals at machines owned by us.
                • There is a $5.00 charge to replace your MasterMoney (Debit) Card prior to renewal.
                • There is a $1.50 charge for each ATM withdrawal at machines we do not own.

                The following liabilities may be applicable to your accounts:

                Liability for Unauthorized MasterMoney (Debit) Card Transactions. Tell us AT ONCE if your MasterMoney (Debit) Card has been lost or stolen or used for any unauthorized transactions or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus the maximum overdraft line of credit). If you tell us with in 2 business days after you learn of the loss or theft, you can lose no more that $50 if someone used your card without permission. Your liability for unauthorized use of your MasterMoney (Debit) Card with the MasterCard logo when it is used as a MasterMoney (Debit) Card point of sale will not exceed. (A)Zero dollars ($0.00) if the conditions set forth below have been met, or (B) if those conditions have not been met, the lesser of fifty dollars ($50.00) or the amount of money, property, labor or services obtained by the unauthorized use before notification to us. Zero liability will apply only if; (1) you report the loss or theft of your card within twenty-four (24) hours of discovering it lost or stolen; (2) you can demonstrate that you have exercised reasonable care in safeguarding your card from risk of loss or theft; (3) you have not reported two or more incidents of unauthorized use to us within the preceding twelve(12) months; and (4) your account is in good standing. These consumer liability limits apply only to United States issued MasterCard branded consumer cards. If the transaction does not meet the conditions set forth above, these limits with respect to unauthorized transactions may be exceeded to the extent allowed under applicable law (see Liability for Unauthorized Transfers paragraph below). "Unauthorized use" means the use of your MasterMoney (Debit)Card by a person, other than you, who does not have actual, implied or apparent authority for such use, and for which you received no benefit. To notify us of unauthorized transactions you should also call the number or write to the address listed below if you believe a transfer has been made using the information from your check without your permission. This will help prevent unauthorized access to your account and minimize any inconvenience. MasterCard is a registered trademark of MasterCard International Incorporated.

                In addition to the limitations set forth above, the following limitations may be applicable to your accounts:

                Liability for Unauthorized Transfers: Tell us AT ONCE if you believe your ATM Card and ATM PIN, or MasterMoney

                (Debit) Card or PIN has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two (2) business days, you can lose no more than $50.00. If someone used your card or PIN and we can prove gross negligence you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by card code or other means tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money. If you believe that your card or PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission,call or write to us at the telephone number or address set forth below.

                Terminal Receipt. You can get a terminal receipt at the time you make any transfer to or from your account using one of our ATMs or POS terminals.

                Direct Deposits. If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, you can call us at (517) 278-1500 to find out whether or not the deposit has been made.

                Our Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, 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 money in your account is subject to legal process or other claim restricting such transfer.
                • If the transfer would go over the credit limit on your overdraft line.
                • If the ATM where you are making the transfer does not have enough cash.
                • If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
                • If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. There may be other exceptions stated in our agreement with you.
                • In Case of Errors or Questions About Your Electronic Transfers or If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt, we must hear from you not later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. Telephone us at (517) 278-1500 or write us at 100 W. Chicago Street, Coldwater, MI 49036 as soon as you can.
                • Tell us your name and account number (if any).
                • 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 tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this,we will re-credit your account within ten (10) business days for the amount you think is in error, so that you will 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 ten (10) business days,we may not re-credit your account. If we decide that there was no error, we will send you a written explanation of our findings within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. If a notice of error involves an electronic fund transfer that was initiated in a foreign location, or is a point of sale debit card transaction, the applicable time periods for action shall be twenty(20) business days in place of ten (10) business days, and ninety (90) calendar days in place of forty five (45) calendar days.

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

                • To complete transfers as necessary;
                • To verify the existence and condition of your account upon the request of a third party, such as a credit bureau or merchant;
                • To comply with government agency or court orders; or
                • If you give us your written permission

                Personal Identification Number (PIN). The ATM PIN or MasterMoney (Debit) Card PIN issued to you is for security purposes. The numbers are confidential and should not be disclosed to third parties or recorded on the card. You are responsible for safekeeping your PIN. You agree not to disclose or otherwise make your ATM PIN or MasterMoney (Debit) Card PIN available to anyone.

                Notices. All notices from us will be effective when we have mailed them or delivered them to your last known address on our records. Notices from you will be effective when received by us at the address specified in this agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least twenty one (21) days before the effective date of any change, as required by law. Use of this service is subject to existing regulations governing your account and any future changes to those regulations.

                Enforcement. In the event either party brings a legal action to enforce this agreement to collect amounts owing as a result of any account transaction, the prevailing party shall be entitled to reasonable attorneys" fees and costs, including fees on any appeal, subject to any limits under applicable law.

                Termination of ATM and MasterMoney (Debit) Card Services. You agree that we may terminate this agreement and your use of the ATM Card or MasterMoney (Debit) Card services, if:

                • You or any authorized user of your ATM PIN or MasterMoney (Debit) Card or PIN breach this or any other agreement with us;
                • We have reason to believe that there has been an unauthorized use of your ATM PIN or MasterMoney (Debit) Card or PIN;
                • We notify you or any other party to your account that we have cancelled or will cancel this agreement. You or any other party to your account can terminate this agreement by notifying us in writing.

                Termination of service will be effective the first business day following receipt of your written notice. Termination of this agreement will not affect the rights and responsibilities of the parties under this agreement for transactions initiated before termination.

                PREAUTHORIZED ELECTRONIC FUNDS TRANSFERS

                Stop Payment Rights. If you have told us in advance to make regular electronic funds transfers out of your account(s), you can stop any of these payments. Call us or write us at the telephone number or address set forth above, in time for us to receive your request three (2) business days or more before the payments are scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within fourteen (14) days after you call. We will charge you $35.00 for each stop payment order you give us.

                Notice of Varying Amounts. If these regular payments may vary in amount, the entity you are going to pay will tell you, ten (10) days before each payment, when it will be made and the amount it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment or when the account would fall outside certain limits that you set.

                Liability for Failure to Stop Payment of Preauthorized Transfers. If you order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Other Provisions. There may be a delay between the time a deposit is made and when it will be available for withdrawal. You should review our Funds Availability Policy to determine the availability of the funds deposited at ATMs. We reserve the right to refuse any transaction which would draw upon insufficient funds,exceed a credit limit, lower an account below a required balance, or other wise require us to increase our required reserve on the account. If you feel that we have violated the Michigan Electronic Funds Transfer Act you may notify:

                Michigan:

                State of Michigan
                Department of Consumer & Industry Services
                Office of Financial and Insurance Services
                611 W. Ottawa, 2nd Floor
                P.O. Box 30220
                Lansing, MI 48909

                Or for

                NationalBanks:
                Comptroller of the Currency
                Independence Square
                250 East Street, S.W.
                Washington, D.C. 20219