STATEMENT OF BANK POLICY 
                                    AND
                           REFUSAL TO CASH CHECK


     On this __________day of____________________1998, a check (demand for payment)
drawn on the undersigned bank was presented by__________________________________for
payment on the account of ____________________________________the same being account
number: ______________________________, in the amount of $_________________.

        1. The undersigned bank officer hereby certifies that, at the time of presentment and 
demand for payment, the balance in said account was sufficient cover the face amount of the
check.

        2. The person presenting the check for payment exhibited proper identification in the
form of a _________________, sufficient to identify him or her as the named payee.

        3. The money on deposit in said bank account belongs to the depositor and not to the
bank on which the check was drawn.

        4. The undersigned bank officer, individually, and on behalf of the bank, refused
to cash said check solely because the named payee thereon refused to provide the bank with
his or her fingerprint of thumbprint.

        5. It is the express policy of this bank that it will not cash or pay any check drawn
on any of its depositors' accounts unless the named payee provides the bank with a
fingerprint or thumbprint in addition to exibiting other valid identification.


                                                           _________________________________
                                                           (Name of Bank)
   
                                                           _________________________________
                                                           (Street Address of Bank)
      
                                                           _________________________________
                                                           (City and State)

                                                        By:_________________________________
                                                           (Name and title of bank officer)