Alpine Bank green products

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1 CONVENIENT BANKING with environmental benefits At Alpine Bank, we are committed to protecting the quality of our natural environment. Accordingly, we formally organized our Green Team in 2006 and have adopted an Environmental Policy that commits us to continuously improve our environmental performance, reduce greenhouse gas emissions, and prevent pollution by adopting and promoting: renewable resources; resource efficient products, services and practices; and community outreach, awareness, and education. Completed Green Team projects include bank-wide recycling, purchase of 100% green electricity or corresponding offsets for all bank operations, earning ISO certification - the universally recognized standard for environmental management, and receiving the Gold Environmental Leadership Program Award from the CO Department of Public Health and Environment. We invite you to use this brochure to learn more about our Green Bank Products that will save you money and time while reducing your environmental footprint. ICONS Look for these energy and resource icons to learn which resources you'll help save by using our 'green' products and services. Paper Fuel Money Time Other Resource/Energy type Electricity

2 PERSONAL FINANCIAL CHOICES for your family and your future. Liberty Checking Account Environment Loyalty VISA Debit Card Liberty is our green account of choice when it comes to saving you time, money, and resources for any generation. With your Liberty Checking Account*, you ll receive: NO daily minimum balance NO monthly maintenance fees (A $3 paper statement fee will be assessed monthly if account holder does not sign up for estatements) Overdraft Privilege of $600** Free Loyalty VISA Debit Card Free estatements Free online banking and bill pay Write up to 5 checks per statement cycle at no cost, $0.50 per check thereafter The perfect tool for accessing your checking account quickly! Use your Environment Loyalty VISA Debit Card at ATMs, online, at stores and merchants, or out of the country when you travel. Each time you use your Environment Loyalty VISA Debit Card, we ll donate 10 cents on your behalf to help local groups restore, preserve, and protect the ecosystems that are important to our daily lives. * Please see a customer service representative to obtain your copy of our Truth in Savings Disclosure ** As long as your account is in good standing, your Overdraft Privilege limit may be available for checks and other transactions made using your checking account number or automatic bill payment and recurring debit card payments. Also, at your request, we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your limit. Standard non-sufficient funds fees apply. Please speak with a Customer Service Representative for more details.

3 PERSONAL FINANCIAL CHOICES for your family and your future. Online Banking & Bill Pay estatements Online Banking and Bill Pay is your financial GPS. You receive secure access to your account information from the convenience of your computer anywhere, anytime! Account information view balances, loan payment and loan payoff Account activity view, print or download transactions and copies of checks or deposit images What do you do with all the paper statements you receive each month? Sign up for estatements to receive them by and you ll no longer have to find room to store them. estatements look just like your regular paper statements and notices. They can be viewed, printed, or saved to your hard drive or a disk for easy access and storage. estatements will save paper, are secure and free! Transfers set up one-time or recurring transfers from any of your Alpine Bank checking, savings, or line of credit accounts Make loan payments Download transactions into spreadsheets or money management software Stop payments place stop payments on one check or a range of checks (stop payment fees apply) Order checks securely alerts choose from a menu of FREE event, balance, item, and personal alerts Secure Contact Us support we have local online banking and internet support specialists to assist you with any questions you may have using our secure message center Bank-to-Bank Transfers allow you to quickly, easily, and safely move your money between your Alpine Bank accounts and those you own at other U.S. financial institutions, including banks, credit unions and brokerage accounts.

4 GREEN LENDING PROGRAMS Home Equity Loans and Lines of Credit* Gas Efficient and Hybrid Automobile Loans* Use the equity in your home to generate your own clean and renewable energy or use it to make cost-saving energy improvements. For energy reduction home improvements, we ll give you a rate discount on your Home Equity Loan or Line of Credit. Watch your monthly utility bills shrink by installing: Photovoltaic or solar energy systems Geothermal heat exchange systems ENERGYSTAR home appliances Xeriscape landscaping You may also be able to take advantage of utility rebates and government tax credits. Make your drive time greener by purchasing a more fuel-efficient vehicle. When you choose an automobile that is EPA rated with a minimum of 40 EPA MPG (hwy) and qualify for a loan, you may be eligible for an interest rate reduction. Green Business Loan Programs* We offer a variety of rate-discounted green loans for fuel-efficient business vehicles and real estate secured loans. Please contact your local Alpine Bank to learn more about green loans for your business needs. * All loans are subject to Alpine Bank underwriting requirements; other restrctions may apply.

5 BUSINESS FINANCIAL TOOLS Customized to fit your business needs now and for future growth. What would you do with an extra hour in your day? Our electronic business financial tools specifically keep your busy schedule in mind while saving you time, money, and preserving the environment. Payroll Cards Alpine Bank Business VISA Debit Card Convenient access to your checking account: Welcomed at all VISA merchants worldwide (and online) Faster and easier than writing a check Free 24-hour-a-day access at any Alpine Bank and AllPoint Network s 55,000 + ATMs worldwide Clearly separate your business and personal transactions Give your trusted employees the ability to make purchases without having to use their personal funds and wait for reimbursement Cheaper than writing a check and there is NO annual fee for your Business VISA Debit Card Through our partner, Money Network, you can pay your employees using this paperless, safe, convenient, and cost-effective reloadable payment card system. Merchant Credit Card Services Increase your sales and deposit less paper by offering the #1 preferred payment option, by accepting card payments. Process payments through your computer, phone, website or a card machine. Enjoy faster access to your funds; within 1 business day for most transactions. Your online management system allows you to reduce your paper use and have more control of your funds. View and save transaction reports, monthly statements, and more. Local in-house support by your trusted Alpine Bank staff, and 24/7/365 - everyday assistance with toll-free helpline.

6 BUSINESS FINANCIAL TOOLS Customized to fit your business needs now and for future growth. Free Online Banking & Bill Pay Alpine e-line Consider our online banking and bill pay services your business GPS. You ll receive all the benefits and convenience as with our personal online banking and bill pay; however, you have additional options to choose from with our Cash Management service. With Cash Management, you can get the most from banking online by: Sending wires anywhere in the U.S. Setup and send payroll Setup and send State and Federal tax payments Direct debit your customers for fees and payments Direct deposit your employees paychecks Transmit funds between financial institutions via the ACH network Fraud and reconciliation tools with positive pay & account reconciliation Alpine e-line is a daily, complimentary electronic news digest for persons and organizations who want just the heart of local and national news making headlines. In addition to reporting daily news, Alpine e-line includes environmental initiatives and organizations, green tips, and resources to help keep you on top of the latest. You ll also receive a daily Market Update courtesy of Alpine Trust & Asset Management. Visit us online to preview Alpine e-line, and to sign up for your personal daily subscription. Cash Management allows you to have multi-user access with restricted or full access to functions and accounts.

7 BUSINESS FINANCIAL TOOLS Customized to fit your business needs now and for future growth. AlpineRemote Deposit AlpineRemote Online Payment Process your check payments electronically at your desk and eliminate a trip to the bank to make a deposit. AlpineRemote Deposit allows you to process personal checks, cashier s checks, money orders, convenience checks, and corporate checks. We ll help you get set up with the right check scanner and hardware, then provide full training and ongoing support. AlpineRemote is simple to use: 1. Log onto the Internet to our secure AlpineRemote merchant capture site 2. Feed your check into your on-site check scanner 3. Enter the amount of the check and hit submit There are no additional processing fees for AlpineRemote you only pay your normal checking account maintenance fees. Accepting payment from your website will help increase payment or donation consistency and decrease the need for collections. It also saves you time and money by eliminating the need to fill out deposit slips, endorse checks, or drive to the bank. More convenience for you and your customers, and easier on the environment. Enable your customers to pay directly from their bank accounts as well as with debit or credit cards. Less effort and worry. We not only create the online payment center for you, we also store the customers information on a secure server. Alpine Trust & Asset Management Not FDIC insured, may lose value, not guaranteed by the bank. Offering a broad range of services for a diverse clientele, Alpine Trust & Asset Management s extensive selection of investments optimizes returns for individuals, businesses, and nonprofit organizations. We are happy to accommodate our clients looking for socially responsible and green fund investment options upon request.

8 Environmental PARTNERS We encourage our community members to review our Green Team initiative online at alpinebank.com or us with your thoughts and ideas at