Background:
In 1997, the Community Bankers of Wisconsin (CBW), entered into an affiliation with PULSE to develop a statewide selective surcharge automated teller machine (ATM) network for Wisconsin community banks. The name of the network is "ATM Access."

Name of Network:
ATM Access - Access is an acronym for Access Cash Conveniently Eliminating Surcharges Statewide.

Eligibility:
The ATM Access network is a service provided exclusively for the members of the Community Bankers of Wisconsin.

Administrative Requirements:

• Bank must install an ATM Access decal on each participating ATM.

• PULSE requires approximately a 30-day setup period once an ATM Access participation agreement has been received by CBW from the bank.

ATM Access Membership Benefits:

• Offer your customers access to the largest selective-surcharge ATM Alliance in Wisconsin.

• Strengthen customer relationships and attract new customers.

• Retain the option to surcharge ATM transactions by non ATM Access cardholders.

• Increase ATM interchange fee income.

• Low membership costs to join ATM Access.

• Bank will have the rights to use the "ATM Access" logo/name in bank promotional materials

• Enhance your bank's competitive advantage.

For additional information please contact us or visit the website at www.atmaccess.net.