CUSTOMER, INCLUDING ANY INITIAL OR PERIODIC DISCLOSURE STATEMENT
FURNISHED UNDER THE FEDERAL ELECTRONIC FUND TRANSFER ACT.

(5) THE ISSUER OF AN ACCESS DEVICE SHALL BE DEEMED TO BE IN
COMPLIANCE WITH THE NOTICE REQUIREMENT OF THIS SUBSECTION IF THE ISSUER
ADVISES THE CUSTOMER TO:

(I) BE AWARE OF THE CUSTOMER'S SURROUNDINGS WHEN USING
AN AUTOMATED TELLER MACHINE, PARTICULARLY DURING THE HOURS OF
DARKNESS;

(II) BE ACCOMPANIED BY ANOTHER PERSON WHEN USING AN
AUTOMATED TELLER MACHINE DURING THE HOURS OF DARKNESS;

(III) REFRAIN FROM DISPLAYING CASH, PLACE CASH IN A POCKET
AS SOON AS A TRANSACTION IS COMPLETED, AND COUNT CASH IN THE SAFETY OF A
LOCKED ENCLOSURE SUCH AS A CAR OR HOME;

(IV) USE ANOTHER AUTOMATED TELLER MACHINE OR RETURN AT A
LATER TIME IF ANYTHING SUSPICIOUS IS NOTICED;

(V) CANCEL A TRANSACTION, PLACE THE ACCESS DEVICE IN A
POCKET, AND LEAVE IF ANYTHING SUSPICIOUS IS NOTICED WHEN USING AN
AUTOMATED TELLER MACHINE; AND

(VI) IMMEDIATELY REPORT ALL CRIMES TO THE OPERATOR OF THE
AUTOMATED TELLER MACHINE AND TO LOCAL LAW ENFORCEMENT OFFICIALS.

(6) FOR AN ACCESS DEVICE ISSUED BEFORE JANUARY 1, 1995,
COMPLIANCE WITH THE PROVISIONS OF THIS SUBSECTION SHALL BE OPTIONAL
UNLESS:

(I) A CUSTOMER REQUESTS IN WRITING THAT THE NOTICE
REQUIRED BY THIS SUBSECTION BE PROVIDED; OR

(II) THE ACCESS DEVICE IS REISSUED, RENEWED, OR REPLACED
ON OR AFTER JANUARY 1, 1995.

(E) (1) ONLY THE STATE MAY ENACT A LAW REGARDING CUSTOMER SAFETY
AT AUTOMATED TELLER MACHINES.

(2) THIS SECTION SHALL PREEMPT ANY LOCAL LAW GOVERNING
CUSTOMER SAFETY AT AUTOMATED TELLER MACHINES.

1-403.

(A) A BANKING INSTITUTION MAY HAVE AN AUTOMATED TELLER MACHINE IF
THE COMMISSIONER APPROVES.

(B) (1) THE COMMISSIONER MAY APPROVE A PROPOSED AUTOMATED
TELLER MACHINE ONLY IF:

(I) THE BANKING INSTITUTION FILES WITH THE COMMISSIONER
AN APPLICATION IN THE FORM THAT THE COMMISSIONER REQUIRES; AND