AGREEMENT BY AND BETWEENBanking Agreement • February 6th, 2004
First National Bank - Colorado, Fowler, Colorado (“Bank”) and the Comptroller of the Currency of the United States of America (“Comptroller”) wish to protect the interests of the depositors, other customers, and shareholders of the Bank, and, toward that end, wish the Bank to operate safely and soundly and in accordance with all applicable laws, rules and regulations.