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Date Tax Opc-ned: 11/04/97 Term: 12 MONTHS ID: E 84-1433530 Number: 221849 Certificate of Deposit Account Number: 4225000533 Amount of Deposit: Three thousand Five hundred Eighteen 05/100 **** $ 3,518.05 This Time Deposit is Issued to: Issuer: SMITH IRRIGATION DITCH COLORADO COMMUNITY FIRST NAT'L BANK 139 E VICTORY WAY CRAIG CO 81625 96193 E HIGHWAY 40 970-824-9431 CRAIG CO 81625-7928 Not Negotiable-Not Transferable-Additional terms are below. B} STACY RAZZANO Additional Terms and Disclosures This i i contains the terms for your time deposit. It is also the Minimum Balance Requirement: You must make a minimum deposit to Truth-in-Savings disclosure for those depositors entitled to one. There are additional terms and disclosures on page two of this form, some ofopen this account of$ 1,000.00 which explain or expand on those below. You should keep one copy of this form. ® You must maintain this minimum balance on a daily basis to earn the Maturity Date:This account matures 1 1/04/98 annual percentage yield disclosed. (See below for renewal information.) Withdrawals of Interest: Interest ❑ accrued ❑ credited during a Rate Information: The interest rate for this account is 5.2500 % term can be withdrawn: with an annual percentage yield of 5.38 %. This rate will be paid until the maturity date specified above. Interest begins to accrue on Early Withdrawal Penalty: If we consent to a request for a withdrawal the business day you deposit any noncash item(for example,a check). that is otherwise not permitted you may have to pay a penalty. The Interest will be compounded MONTHLY . penalty will be an amount equal to:30 days Interest will be credited MONTHLY interest on the amount withdrawn. ® The annual percentage yield assumes that interest remains on deposit Renewal Policy: until maturity. A withdrawal of interest will reduce earnings. ❑ Single Maturity: If checked, this account will not automatically ❑ If you close your account before interest is credited, you will not renew. Interest ❑ will ❑ will not accrue after maturity. receive the accrued interest. ® Automatic Renewal: If checked, this account will automatically The NUMBER OF ENDORSEMENTS needed for withdrawal or any renew on the maturity date. (see page two for terms) other purpose is: 1 Interest ❑ will IN will not accrue after final maturity. ACCOUNT OWNERSHIP:(select one and initial) ❑ Single Party Account TIN: E 84-1433530 ❑ Multiple Party Account Social Security or Employer's I.D. Number: A correct ❑ Trust-Separate Agreement dated: taxpayer identification number is required for almost ❑ every type of account. A certification of this number is • also required and is contained on the first copy of this Rights at Death: (select one and initial) certificate. ❑ Single Party Account Backup Withholding - A certification that you are not ❑ Multiple Party Account with Right of Survivorship subject to backup withholding is necessary for almost all accounts (except for persons who are exempt altogether). ❑ Multiple Party Account without Right of Survivorship This certification is contained on the first copy of this ❑ Single Party Account with Pay on Death form. Failure to provide this certification when required ❑ Multiple Party Account with Right of Survivorship and Pay on Death will cause us to withhold 31% of the interest earned (for payments to the IRS). Providing a false certification can Pay On Death Beneficiaries:To add Pay On Death Beneficiaries' result in serious federal penalties. name one or more: ENDORSEMENTS-SIGN ONLY WHEN YOU REQUEST WITHDRAWAL X X X ©1993 Bankers Systems,Inc.,St.Cloud,MN(1-800-397-2341) Form CD-AA-CO(1) 7/26/96 READ PAGE TWO FOR ADDITIONAL TERMS (page 1 of 2)