2011-12-06_ENFORCEMENT - M1977443 ‎(3)‎

• Permit No: M1977443
• IBM Index Class Name: ENFORCEMENT
• Doc Date: 12/6/2011
• Doc Name: Notice of Formal Board Hearing
• From: DRMS
• To: Bank of the West
• Email Name: DMC
• Email Name: BJC
• Media Type: D
• Archive: No

BANK :WEST
12041520 (Rev. 07/021
RECEIVED
DEC 0 5 2005
ORIGINAL
CERTIFICATE OF DEPOSIT RECEIPT
Branch Name: Craig
Account Number: 874 854433
Today's Date:
Customer Name
and Address
Phone
09/12/2005
Branch Approval: Glenda Ayres
Deposit receipt not needed for redemption.
Minimum Opening Balance $
Division of Minerals and iiieutoyy
RECEIVED
SEP 1 3 2005
Division of Minerals and Geology
AASS SIGNED
HARDROCK SAND & GRAVEL A5
STATE OF COLORADO LAND MINED
BOARD PDPA_1.L0004005101
PUBLIC FUNDS
1313 SHERMAN ST RM 215
DENVER CO 80203
/, 0 00
Date of Deposit:
Amount of Deposit:
Maturity Date:
initial Interest Rate:
Initial Annual Percentage Yield: 3.30
Interest Payment Method:
Pay Interest to Account #:
Interest Payment Frequency: 1 Month(s)
Term: 182 Days
Renewal: Automatically Renew
Thank you for opening a Certificate of Deposit with Bank of the West. Your account has been opened for the amount and terms shown above. Any
questions
947 -5
ue regarding your Certificate of Deposit can be answered by your branch or by calling the Bank's Telephone Banking Center (800488-BANK or
INFORMATION REGARDING CERTIFICATE OF DEPOSIT ACCOUNTS
U ?
09/12/2005
$ 10,000.00
03/13/2006
3.25
Redeposit
000000000
Minimum balance required to earn APY $ 1, ' � O c3
o
ADDITIONAL DEPOSITS - If you wish to add funds to your Certificate, you may do so during the 10 calendar day grace period following the account's
maturity date. For T -31 days Certificates, you may add funds during the 1 calendar day grace period following the maturity date. Interest on the
additional tunds both cash and noncash begins to accrue on the business day you deposit it and at the same rate in effect for the renewed Certificate.
The additional funds will mature at the same time as the renewed Certificate. The minimum amount for an additional deposit is $100.00.
WITHDRAWALS - interest which has been reinvested may be withdrawn at any time, if the account term and interest rate have not changed since the
renewal. Additional withdrawals without penalty are permitted, during the 10 calendar day grace period following maturity (1 calendar day grace period
for 7 -31 days Certificates) for automatically renewable Certificates, or upon the death or mental incapacity of the depositor. Accounts closed during
the grace period will forfeit any interest accrued during the grace period. Withdrawals at any other time may be permitted at the bank's discretion and
are subject to early withdrawal penalties.
INTEREST - Interest is accrued on the daily balance. The annual percentage yield assumes that interest earned is reinvested in the account monthly
and all funds remain on deposit for one year from the date of deposit, and the interest rate does not change. interest withdrawn during the term of the
account will reduce the annual percentage yield earned. TERMS OF 32 DAYS OR LONGER - You may choose the frequency of interest payments.
Interest can be paid as frequently as monthly, but must be paid at least once a year. Interest may be reinvested into the account, credited to another
einvest d into the Certificate or of Deposit o as account, deposit by will receive int
a Bank of he West checking or savings . rest at maturity only. interest may be
•
MATURITY - Automatically renewable Certificates of Deposit renew automatically at the rate in effect on the maturity date, for the same term and
under the same conditions last disclosed (unless we tell you otherwise). We will mail a maturity notice approximately 15 days prior to the maturity date
(except for 7 -14 days terms). The notice will include a phone number you can call on the maturity date for shortly after) to find out the interest rate
and annual percentage yield on your renewed Certificate 01 Deposit. A non - renewable Certificate of Deposit will not earn interest beyond the maturity
date, and will not renew automatically at maturity.
EARLY WITHDRAWAL PENALTIES - All penalties are calculated on a simple interest basis. The penalty assessed may reduce the balance remaining on
your account after the withdrawal. The penalty is calculated at the interest rate in effect at the time the Certificate of Deposit was opened or last
renewed. The penalties on the amount withdrawn are: 7 -31 DAYS TERM - 7 days simple interest lost, 32 DAYS . 1 YEAR TERM - 30 days simple
interest lost. or OVER 1 YEAR TERM - 180 days simple interest lost.
CHANGES IN TERMS & CONDITIONS - When you open a deposit account with us, you agree to abide by the terms & conditions detailed on this page
and in the Account Agreement you sign. We can change these terms & conditions at any time. We'll notify you in advance of any changes that affect
your rights and obligations to the extent required by law. You indicate that you accept a change we make by continuing your account relationship with
us or, if the change affects your certificate of deposit, by allowing the certificate to renew after the change becomes effective,
DISCLOSURE OF YOUR ACCOUNT - Account Information may be disclosed to third parties when it is required for governmental reporting for legal
processes, or w persons or companies who the Bank believes would legitimately use such information. Certain transactions are also authomatically
reportable to the government.
OTHER INFORMATION REGARDING DEPOSIT ACCOUNTS - Additional information pertaining to the rules & regulations governing deposit accounts can
be Ban k' s vbranch you
ffices uest a
mays so call our Telephone Banking Center and request that we send you a Deposit AccountoDisclosureerson at any of the
NON - NEGOTIABLE
NOT TRANSFERABLE
MEMBEtt F LC
TirneDeposit