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OLORADO NATIONAL BANK <br />Exchange -Main <br />._y. .> <br />r....~-_.-...e._._ mt-,~-y,~~. <br />CERTIFICATE OF DEPOSIT <br />MEMBER FDIC <br />BANK/BRANCHNO: 288 r 00165 <br />AGREEMENT & RECEIPT <br />NON-TRANSFERABLE <br />DEPOSTTOR(S) <br />NAME AND ADDRESS <br />HARL'5 PIT ASSIGNED TOSTATH OF COLD <br />010004005101 <br />MINED LAND RECLAMATION OFFICH <br />327001413977. <br />AUTOMATICALLY RENEWABLE <br />1313 SHSRMAN ST STS 215 <br />DSNVHR <br />DATE OF DEPOSIT: <br />DEPOSTT t1MOUNT: <br />CO <br />I: 522-28-C044 <br />11/01/96 <br />X1,250.00 <br />THIS CERTIFICATE WILL <br />AUTOMATICALLY RENEW <br />602032243 AT MATURITY. <br />INTEREST RATE: <br />ANNUAL PERCENTAGE YIELD: <br />YOUR ACCOUNT WILL MATURE ON: 0 6./01 / 2000 <br />YOUR ACCOUNT WH.L MATURE IN: 43 MONTHS <br />INTEREST WILL BE COMPOUNDED AND CREDTTED <br />X INTEREST WILL BE PAID OUT annually BY x CHECK <br />TRANSFER TO <br />ACCOUNT TERMS <br />5.20000 <br />5.21 <br />* The interest rate and annual percentage yield for your account are indicated at the top of this document You will be paid this rate <br />• until the maturity date of the certificate. The annual percentage yield assumes interest remains on deposit until maturity. A <br />withdrawal will reduce earnings. The interest rate on your account may be adjusted upon renewal. Interest begins to accme on the <br />.business day you deposit noncash items (e.g., checks). We use the daily balance method to calculate the interest on your account. <br />This method applies a daily periodic rate to the principal in the account each day. <br />* This account will automatically renew at maturity. You will have a grace period of ten (10) calendaz days from the maturity date to <br />withdraw funds without penalty. Interest will be paid during this ten (10) day period if the amount withdrawn is deposited in another <br />time certificate at this bank. The bank may upon not less than 30 days written notice elece to call this certificate for payment on a <br />maturity date. <br />* This certificate is an agreement to keep funds on deposit with the bank until the current maturity date. Except as required by law, <br />withdrawal prior to maturity will be permitted only with [he consent of the bank which may oNy be given a[ the time of withdrawal. <br />* Except as Prohibited by taw, we will impose a penalty if you wiUrdraw any of the deposited funds before the maturity date. <br />The penalty will be assessed on the amount withdrawn. The fee imposed will equal: Three {3) months interest on accounts <br />with terms less than one (1) year; Six (~ months interest on accounts with terms one (1) year or greater. <br />* You may not make deposits into your account until the maturity date. You may make partial withdrawals from your account prior to <br />maturity; however, except as prohibited by law, we will impose the eazly withdrawal penalty on the amount withdrawn. The <br />minimum withdrawal amount is $1,000. If a withdrawal is made, your remaining balance must meet minimum opening balance <br />requirements. Partial withdrawals are not allowed on accounts with balances $100,000 and over. <br />This deposit is not transferable. This certificate may not be paid to any person other than the named depositor(s). PRy person <br />requesting payment of this certificate will be required to establish to the satisfaction of the bank, that (s)he is the depositor. <br />