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<br />Date <br />Opened:" 06/~5/1997 <br /> <br />Term: <br /> <br />48 MONTH <br /> <br />Tax <br />ID: 87-1752449 <br /> <br />Number: <br /> <br />~/l-<.,$Ji'1~ <br />1 <br /> <br />j Certificate of Deposit <br /> <br />0:;0 pyNumbu, <br />$ <br /> <br />5882536 <br /> <br />Amount of <br />Deposit: TWO THOUSAND FORTY-SEVEN AND 00/100 <br /> <br />This Time Deposit is Issued to: <br /> <br />2,047.00 <br /> <br />Issuer: <br /> <br />RIVER OAKS ON THE ROARING FORK <br />PROPERTY OWNERS ASSOCIATION <br />1569 WILLITS LANE <br />BASALT CO 81621-9335 <br /> <br />ALPINE BANK BASALT <br />137 MIDLAND AVE. PO BOX R <br />BASALT CO 8162 <br /> <br /> <br />Not Negotiable - Not Transferable - Additional terms are below. <br /> <br />By <br /> <br />Additional Terms and Disclosures <br /> <br />This form contains the terms for your time deposit. It is also the Minimum Balance Requirement: You must make a minimum deposit to <br />Truth-in-Savings disclosure for those depositors entitled to one. There <br />are. additio~1 terms and disclosures on page two of this form, some of open this account of $ 1 , 000 . 00 . <br />which explam or expand on those below. You should keep one copy of VVI Y . ta' tho .. bld'l b . th <br />this form. "t:J ou must mam m. IS m.1D1D1um a ance on a al y aSls to earn e <br />Maturity Date: This account matures 06 125 I 2 0 0 1 annual percentage Yield disclosed. <br /> <br />(See below for renewal information.) Withdrawals of Interest: Interest 0 accrued 0 credited during a <br />Rate Information: The interest rate for this account is 5 . 500 % term can be withdrawn: N I A <br />with an annual percentage yield of 5 . 64 %. This rate will be <br />paid until the maturity date specified above. Interest begins to accrue on <br />the business day you deposit any noncash item (for example, a check). <br />Interest will be compounded MONTHLY <br />Interest will be credited MONTHLY <br />ADDED BACK TO THE CD BALANCE <br /> <br />ggc The annual percentage yield assumes that interest remains on deposit <br />until maturity. A withdrawal of interest will reduce earnings. <br /> <br />o If you close your account before interest is credited, you will not <br />receive the accrued interest. <br /> <br />Early Withdrawal Penalty: If we consent to a request for a withdrawal <br />that is otherwise not pennitted you may have to pay a penalty. Tlie <br />penalty will be an amount equal to: 3 0 DAYS INTEREST IF THE TD IS LESS <br />1 YEAR AND 90 DAYS IF GREATER THAN 1 YR. <br />interest on the amount withdrawn. <br /> <br />The NUMBER OF ENDORSEMENTS needed for withdrawal or any <br />other purpose is: 1 <br /> <br />Renewal Policy: <br />o Single Maturity: If checked, this account will not automatically <br />renew. Interest 0 will 0 will not accrue after maturity. <br />~ Automatic Renewal: If checked, this account will automatically <br />renew on the maturity date. (see page two for terms) <br />Interest ~ will 0 will not accrue after fmal maturity. <br /> <br />ACCOUNT OWNERSmp: (select one and initial) <br />D Single Party Account TIN: 87-1752449 <br />D Multiple Party Account Social Security or Employer's I.D. Number: A correct <br />D Trust - Separate Agreement dated: taxpayer identification number is required for almost <br />X/ZJ NON PROFIT ORG every type of account. A certification of this number is <br /> also required and is contained on the first copy of this <br />Rights at Death: (select one and initial) certificate . <br />D Single Party Account Backup Withholding - A certification that you are not <br />D Multiple Party Account with Right of Survivorship subject to backup withholding is necessary for almost all <br />D Multiple Party Account without Right of Survivorship accounts (except for persons who are exempt altogether). <br /> This certificatIOn is contained on the first copy of this <br />D Single Party Account with Pay on Death form. Failure to provide this certification when required <br />D Multiple Party Account with Right of Survivorship and Pay on Death will cause us to withhold 31 % of the interest earned (for <br /> payments to the IRS). Providing a false certification can <br />Pay On Death Beneficiaries: To add Pay On Death Beneficiaries' result in serious federal penalties. <br />name one or more: <br /> ENDORSEMENTS - SIGN ONLY WHEN YOU REQUEST WITHDRAWAL <br /> X <br /> X <br />FORM 2 X <br /> <br />1:>1993 Bankers Systems, Inc., St. Cloud, MN (1-BOO-397-23411 Form CD-AA-CO (1) 7/26/96 <br /> <br />READ PAGE TWO FOR ADDmONAL TERMS <br /> <br />(page 1 of 21 <br />