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EAB ALPINE BANK BASALT 137 MIDLAND AVE. PO BOX R BASALT CO 81621 TRUTH IN SAVINGS DISCLOSURE FOR TIME ACCOUNTS Terms following a D apply only if checked. Acct: 4 YEAR TIME DEPOSIT Acct #: 5882536 Date: JUNE" 25, 1997 ~ The interest rate and annual percentage yield stated below are accurate as of the date printed above. If you would like more current rate and yield information please call us at 970-927-3101 This disclosure contains the rules which govern your deposit account. Unless it would be inconsistent to do so, words and phrases used in this disclosure should be construed so that the singular includes the plural and the plural includes the singular. ~FIXED RATE ~ The interest rate for your account is 5. 5 0 0 an annual percentage yield of 5 . 64 this rate UNTIL 06/25/2001 D The interest rate and annual percentage yield for your account depend upon the applicable rate tier. We will pay these rates % with %. We will pay D VARIABLE RATE D The intetest rate for your account is % with an annual percentage yield of %. Your interest rate and annual percentage yield may change. D The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. Determination of rate D At our discretion, we may change the interest rate on your account. D The interest rate for your account D The fixed initial rate is not determined by this rule. D The initial interest rate on your account Subsequent rates Frequency of rate change D We may change the interest rate on your account_ D Your initial interest rate will not change We may change the interest rate on your account at that time and thereafter. FORM 21 @ 1992 Bankers Systems, Inc., St. Cloud, MN (1-800-397-23411 Form TSD-TIME 11116/92 COpy Limitations on rate changes D The interest rate for your account will not by more than each D The interest rate will not be less than or more than %. D The interest rate will not % the interest rate initially disclosed to you. Compounding and Crediting ~ Frequency - Interest WILL compounded MONTHLY Interest will be credited to your account MONTH ~XEffect of closing an account - If you before interest is credited, you WILL the accrued interest. Minimum Balance Requirements ~ To open the account. You must deposit at least $ 1, 000 . 00 to open this account. Balance Computation Method ~ Daily Balance Method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. be EVERY close your account receive D Average daily balance method. We use the average daily balance method to calculate interest on your account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is Accrual of interest on noncash deposits ~ Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). o Interest begins to accrue you deposit noncash items (for example, checks). Time requirements ~ Your account will mature on 06/25/2001 D Your account will mature in o Your account has no definite maturity date. To withdraw any or part of this deposit without penalty, we must receive at least written notice from you of your intention to make a withdrawal. The notice must specify the exact amount and date of the intended withdrawal. Interest will no longer accrue aher the withdrawal date specified in your notice on the amount specif~ed in your notice. We may terminate this account by mailing a notice to you of our intention to terminate at least ten days before the termination date. The date of intended withdrawal of the last funds in the account, or the termination date, is considered to be the maturity date. (page 1 of 2)