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CLOSING AN ACCOUNT LETTER

334 HAVRE AVENUE DURANGO, CO 81301 January 25, 2000 First National Bank of Colorado Maria Avery, Branch Manager 3243 East 5 Avenue Durango, CO 81301 Dear Mrs. Avery: It has been my pleasure doing business with your bank, but in February, I will be leaving the Durango area thus closing my checking account, 809-94-51, as of March 1, 2000. I recently had problems balancing my account, therefore I am unsure of the remaining balance. In addition, I currently have two checks (#3066 for $85 and #3088 for $50) which have failed to clear from December 1999. Please check on the existing checks and then send a check for the remaining balance to me at the following address: 211 Sparding Avenue Wilmington, Ohio 84605 (907) 954-5177 Respectfully yours, Chris L. Polins

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CLOSING AN ACCOUNT LETTER