Lxi the Interestrate and Annual Percentageyield Stated Belowareaccurateasofthe Dateprintedabove

HOMELOANSTATEBANK

205NORTH4THSTREETGRANDJUNCTION,CO81501

TRUTHINSAVINGSDISCLOSURE

Terms followinga0apply onlyifchecked.Acct:Christmas Club

Acct#:

Date:

lXI The interestrate and annual percentageyield stated belowareaccurateasofthe dateprintedabove. Ifyou wouldlikemorecurrentrate andyield

informationplease callusat 1970)243 -6600

This disclosure contains the rules which govern your depositaccount. Unless itwould be inconsistent to do so, words andphrasesusedinthisdisclosureshouldbeconstruedsothatthesingular includesthe pluralandthe pluralincludesthe singular.

Wereserve therighttoatanytimerequire not lessthan..7!.,...... ,-----.,days notice in writingbefore any withdrawal from an interestbearing account.

0FIXEDRATE

0Theinterestrate for youraccountis------% with

Frequencyofratechange

lXI Wemaychangetheinterestrateonyouraccountl!..t.....

our discretion

0Yourinitialinterestrate will notchange ------

Wemaychange the interestrate onyour account atthat timeandatourdiscretionthereafter.Limitationsonratechanges

0 Theinterestrateforyouraccountwillnot_

bymore thaneach------

0Theinterestrate willnot beless than------%

ormorethan%.

0Theinterestrate will not------

an annualpercentage yieldof %.We willpay

theinterestrateinitiallydisclosedtoyou.

thisrate--.,-.,------,..,...,-----,----,.------,,-.,--,------We willnot decrease this rate unless we first give you atleast30daysnotice inwriting.

0The interestrate and annual percentage yield for youraccount depend upon the applicable rate tier. We will paytheserates

We will not decrease these rates unless we first give you atleast30 daysnoticeinwriting.

lXI VARIABLERATE

lXI Theinterestrate for youraccountis 0.150%withanannualpercentageyield of 0.150%.Your interest

rate andannualpercentageyieldmay change.

0The interestrate and annual percentage yield for youraccount depend upon the applicable rate tier. The interestrate andannualpercentageyieldforthesetiersmaychange.

Determinationofrate

lXI At our discretion, we may change the interest rate onyouraccount.

MinimumBalance Requirements

lXI Toopen theaccount.Youmust depositatleast

$_.2,_5.,....._.""00-'"------toopenthisaccount.

0Toavoid impositionoffees.

Toavoidtheimpositionofthe------YOU

must meetfollowingrequirements:

OA of$ _

willbeimposedevery

ifthebalance inthe accountfallsbelow $------

anydayofthe ------

0A of$

willbeimposedevery------

iftheaverage daily balance forthe ------

------:---:-:--..,.-falls below$ .Theaveragedaily balance iscalculatedby addingthe principalintheaccountforeachdayoftheperiod anddividingthatfigurebythenumber ofdaysintheperiod.

Theperiod weuseis------

Toavoid the imposition ofthe you

0Theinterestrate foryour account mustmeetfollowingrequirements:

0A of $------

will beimposedfor----:---,---:,----:,..,------.------transaction (withdrawal, check paid, automatic transfer orpaymentout of your account) if thebalance in theaccount

0Thefixedinitialrate isnot determinedbythis rule.

0Theinitialinterestrateonyour account _

Subsequentrates

TruthinSavingsDisclosure

BankersSystemsT

fallsbelow$ anydayofthe------

0A------of$ _willbeimposedfor------transaction (withdrawal, check paid, automatic transfer orpaymentoutof youraccount)iftheaverage daliybalance for

the fallsbelow

TSD7/15/2011

WoltersKluwerFinancialServices @1992,2011Page1of2

$ .The average daily balance iscalculatedby adding theprincipalin the account for each day of theperiod and dividingthat figure by the number of days in theperiod.

The period weuseis ------

!XI Toobtain theannual percentageyielddisclosed.

Transactionlimitations

IZI Theminimumamountyoumay depositis

$0.01

0Theminimumamountyoumay withdrawis

0Youmust maintainaminimumbalance of

IZI During any.,m.,o."'.n..t_

h.__

$ intheaccounteachdaytoobtainthedisclosed annualpercentageyield.

!XI You must maintaina minimumaverage daily balance of

$ 100.00 toobtainthedisclosed annualpercentageyield. The average daily balance is calculated byadding the principalinthe accountfor each day oftheperiodanddividingthat figure bythenumber ofdaysintheperiod.

youmay not makemore than------withdrawals or transfers to another accountof yours or to athird party bymeans of apreauthorizedor automatic transfer ortelephone order or instruction,computer transfer,or by check,draft,debit card orsimilar order toathirdparty.

Theperiod weuseis StatementCycles

CompoundingandCrediting

lXIFrequency·Interest"w"'"il',._.l._be

compoundedquarter1y

Interestwillbeaddedtobalancequarterly.

lXIEffect of closing an account - If you close your account

beforeinterestiscredited,you -w""i'"l'l------

receivetheaccruedinterest.

BalanceComputationMethod

0 Daily Balance Method. We use the daily balance method to

calculate the intereston your account. This methodapplies a

dailyperiodic rate tothe principalintheaccounteachday.

IZI Average Daily Balance Method.We use the average dailybalance method to calculate interest on your account. Thismethodapplies aperiodic rate totheaverage dailybalance intheaccountfor the period. The average daily balance is calculated

0Youmay only make deposits into youraccounteachstatementcycle.

0Youmayonlymake ATM ------youraccounteachstatementcycle.

0Youmay onlymake------preauthorizedtransfers

by addingtheprincipalintheaccountfor each dayofthe periodyour accounteachstatementcycle.anddividingthat figure bythenumber ofdaysintheperiod.

Theperiod weuseis StatementCycles

Accrualofinterestonnoncashdeposits

!XI Interest begins to accrue no later than thebusiness day wereceive credit for the depositof noncash items (for example,checks).

0Interest begins toaccrue------

AdditionalTerms

NoticeofWithdrawal:

Wereservetherighttorequirenotlessthan7days'noticeinwritingbeforeeachwithdrawalfromaninterest-bearingaccountotherthanatimedeposit,orfromanyothersavingsaccountas

definedbyRegulationD.(Thelaw

requiresustoreservethisright,but

itisnotourgeneralpolicytouseit.)

youdeposit noncashitems (for example,checks).

Withdrawalsfromatimeaccountpriorto

Bonuses

0 You will------

maturityorpriormayberestricted

toanynoticeperiodandmaybesubjectto

penalty.Seeyour

noticeofpenaltyfor

as a bonus

0Youmust maintainaminimum------

------of$ _

toobtain thebonus.

0Toearnthebonus,------

earlywithdrawal.

TruthinSavingsDisclosure

BankersSystemsTM

TSD7/15/2011

WoltersKluwerFinancialServices @1992,2011Page 2of 2