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<br />10804338
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<br />OWNERSHIP TYPE: ©°Vemfnent)Municipalipublic Funds
<br />Account Number ktsue Date Deposh Amount Tetm Mhturhy Dato
<br />10804338 January 25, 1990 819,D6~.00 12 Months January 25, 1997
<br />Rate Informetionl Thla Account Is an Interest beadng accoum. Tha Interest hate on the account Is 1,24;6 with an annual:percehtage yield of
<br />1,2696. ~ -
<br />Yhe lniereet rata and annual percentage yield w111 not change for the tehm of the account. Tha Interest rats will be In effect until January 25,
<br />1881. Interest begins to accrue n° later than the hull^ess day we receive cradh for the dapoak of norr°ash nems,imr example, cheeks).
<br />Interest will be compounded momhly and will be Gredtted m the acceuM m°nthhr, Interest oh your account whl be Credited by adding the
<br />interest t° the pfineipal. ~.
<br />Balance ktformation: We use the dairy balende method to calculate the interest on the Aocoun{. This method applies a daily periodic rate to
<br />the principal In the accoum each day, We will Use an interest aeetuel b6sls of 366 for each day in the year,
<br />Limitatimra: You moat deposit $50D.00 m open this account. You may not make addhkonel deposits lnm this account. You may not make
<br />withdrawals from your account until Yha metudty date.
<br />Tlrno Acccutd Infortnatlon: Your account will mature an January 26, 1f39t. If you withdraw any of the pdnclpal bemre the maturity date, we
<br />will Impose a penalty of three months interest on the amount wthdrawn. If the account is closed before inteteat le"cradl{ed, you will net
<br />receive the apcrUed interest, Thls aetrouM requites the distribu#ioh of )MSrset end dose not allow Interest t° remain in the acebuM~ Thle
<br />aewum will eut°madcelly renew. You will have 70 calendar days after maturity date m draw funds wl}hout panahy: If you do not
<br />withdraw the funds, each renewal term w11f ba for an identical pedod of tl as the trnginal to
<br />NON TRANSFERABLE -NON NEGOTIABLE member
<br />FDIC 6lanrtur n„A l'hbo ur6m:dd Fln
<br />TIME DEtyOSI'~
<br />We a preclate your decision to open a time de osit account With us. ThisdAgrae an sets
<br />Dsoa~k Amauurtrt indicat^erl, and haegaaraedkto ~aog hat=wands on de°o°usmiL ur°i ih'Isthe Meturitva0a
<br />or
<br />Is vslld as of the date we I'edeive Credit for noAcash hems (such As checks drawn do otliBr flnehcial inathutl°ns) deposited fa o eh ilia A6couri4,
<br />Oap°slts °f foreign currency will ba converted to U,S, 4unda as of the dAta of tleposh and will ba refledted ea such on our iacokds.
<br />ISSUE DATE. If you open a dma dap°sit accoum whh Us after 2100 PM on a buslnbas day khat we Ara open, we will eoneider that the
<br />transact)on was made et the opening of the next business day for issue date and effective data purposes.
<br />INTERf~T RATS, Tha )ntereet rate le the annual rate °f Interest paid °n the Account which doAa not reflect compounding ("Interest Rate"), antl
<br />Is based upoh the irrtarest accrual bAe1e deecrlbad shove,
<br />AUTOMATIC RENEWAL POLICY, If the Account will eutomatleallY renew as described above, the ptincipsl amount and all, paid aamsd Interest
<br />that has not been withdrawn will automatically renew on each Maturity Deta for the term desodbad above in the 71me 'Account lnformadah
<br />section, If the deposit term causes the maturity data m fall an Sato ay, Sunday, or a hholiday, the maturity dam will be adjusted to the haxt
<br />business day. Interest an renewed acc°ums will be calculated at the~taredt rate then In effect ter rims deposits of-that DAposh Amount antl
<br />term If you wteh to withdraw funds from your Acc°urtt, you moat nod us during the grace period after thA MatuAty Data.
<br />EARLY WITHDRAWAL PENALTY, You have agreed m keep the funds on depbsit until the Maturity Date of yyour Aeeount. 'Ady withdrawal of all
<br />or ppeK of the funds from your Account prior m maturity may Yeeuh in sh early wthdrawal panalry. Wo Will consider regUAata ftlf eaAy
<br />whhdrewsl end, i4 granted, the penalty as specified above will epoly.
<br />mWmum Required Perraky If you withdrew money wlthln Slx I73) days after the data of deposit, the Minimum Required penalty Is seven 17)
<br />days' almple Irrterast on the w fhdrawn funds. h artlal early withdrswal AI are permitted ws are required m Impala the Minimum Required
<br />penehy on the amountle) withdfawn wlthln six (S) days after each pArt1e~ withdrawal, Tie eaAV wlthdrowsl penehy may ba mare than thA
<br />Minimum RagWrad Penahy. You vay the early whhdrawal penalty by ltlrtsltlnp part of the e°cruad Interest bn the Aecount~ 1# your Accoum has
<br />not aamad enough Interest, or IT the Imarest has been paid, we take the difference from the prln°Ipal amount °f your Account.
<br />Excep{wne, We may let You withdraw money from your Ado°unt before the Maturity Data without An early whhdr°wal penalty; {11 whah
<br />one or more of you dies or a determined legally incompetent by A court or other adminisfratlva body of corhpatent jurladlctlon; or I22) when the
<br />Accoum Is an individual Ret~mapt Account (IRA) established In sacordan°a w{th 26 USC 408 And thA money ie paid within a~svan IT) days altar
<br />the Account is opened; or l3) when the Account is A KaoBh PIOA (Kaoghl If~you forfslk at least the Ihtaresk Aarnsd on the withdrawn funds; or
<br />d4aablade of 151 wlthln anlRapApBcabla graco perniod (f shsyed pursuant m 28 U6C 408 or Ea USC 407, when you reach age 66 1l2 or become
<br />FUQHT pP SE'TOFP, SUbjaCS to spplleabla law, ws may exerolse our N ht df setdff or AecUYlty irrtereat agaihat any and Afl of your Aqcounts
<br />(except IRA, Keo3h pleb and Trust Aeeourrta) without notice, for any Ilah~llty br debt of shy of you, whether joint or IndWidual, whether direct °r
<br />c°ntingenL whether now of hereafter Axistiny, And whether arising from overdrafts, endorsementA, guarantees, loans, attachments,
<br />garnisfihmoms, Vavles, aMorneYS' fees, or other obligations, If the Account le a jolts br muftlpls•party abcou^k, eaoh Joint or mukiple-party accourh
<br />holder authoAZea ue to exercise our right of setoff against arty and all Accounts oP rich Account Holder.
<br />OTHER ACCOUNT RULES. The following rules also apply to the Acc°uAt.
<br />Surrendot of kratrumont. We may require you ib endoree end eufrander this Agreement t° us When you withdraw funds, trahefar °r dose
<br />your Account I4 You lose this Apresmant, you agree m sign any affldavh of lost IhatruMent, or other Agreement wa may require, and agre° tb
<br />hold us harmless from liability, poor to out honoring your withdrawal or request.
<br />that wa ma hold th0~tunds din youCaACC°un't uritiHwe haVerraCaMed ell ~Aqul etl docUmantAtlcn and InBauCtl°ns her Account Holder, You agree
<br />Indsmnhy. If you ask us to fallow Insuualons that we heilAVe might e7tpoee ua m Any claim, liability or tlamagas,,we maY refuse to fallow
<br />your Instructlena or may requlro a bond or other protection, including your agreemadt to indemnfiy ue,
<br />Pledge. You agree not m pledge your Account wltheut our prior consent. Y°u may not withdraw funds from your Account until all
<br />obllgadons secured by your Aecroum are sax{afled,
<br />Released and Made Paya°fr~0f"e (1n~yo"f`xw.M.,.mseww.,e..~,u,mw, uMn~,~..,.,.rn..uu, r.,xu
<br />Recl io/n~/R,e'sour~ces~Inc.
<br />I3~v~sion,oF~i~ne~~lDlanedt~eol~oy -'
<br />Office qf Mined Land Reclamation
<br />State oT Colorado
<br />OTiS'd z99'ON 9NIdJi1iH S8L68ZE0L6 WdZ2:b b90Z'TZ'Nt1f
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