HOMELOANSTATEBANK
205 NORTH4THSTREETGRANDJUNCTION,CO81501
TRUTHINSAVINGSDISCLOSURE
FORTIMEACCOUNTS
Terms followinga0apply onlyifchecked.Acct:6 MTH, 1YR.2 YR Hybrid CD
Acct#:
Date:
IZI Theinterestrate and annual percentageyield stated belowareaccurateasofthe dateprintedabove. Ifyou wouldlike morecurrentrate andyieldinformationpleasecallusat (970) 243
-6600This disclosure contains the rules which govern your deposit
account.Unless itwouldbe inconsistent to do so, words and
phrases used inthis disclosureshould beconstruedso that thesingular includes the pluralandthepluralincludesthe singular.
0FIXED RATE:
0Theinterestrate for youraccountis------% withanannualpercentageyield of %.Wewill paythisrate
0The interest rate and annual percentage yield for youraccount depend upon the applicable rate tier. We will paytheserates
IZJ VARIABLERATE:
IZI Theinterest rate foryour accountis ------%
with anannualpercentageyield of %.
Yourinterestrate andannualpercentageyieldmay change.
0The interest rate and annual percentage yield for youraccount depend upon the applicablerate tier. The interest
rate andannualpercentageyield forthesetiersmay change.
DeterminationofRate:
IZI At our discretion,we may change the interestrate onyour account.
0Theinterestratefor your account------
0Theinterestrate willnotbelessthan------%
ormore than %.
0Theinterestrate willnot------theinterestrate initiallydisclosedtoyou.
COMPOUNDING ANDCREDITING:
IZI Frequency -Interestwill becompoundedquarterly
Interest will beaddedto balancemonthly.
1ZJ Withdrawal of Interest Before Maturity. The annualpercentageyieldassumes thatinterestremains ondeposit untilmaturity.Awithdrawalofinterestwill reduce earnings.
0Required Interest Distribution. This account requires the
distributionof interestand does not allow interestto remain in
theaccount.
IZI Effect on Closing an Account. If you close your accountbefore interestiscredited,you will receivetheaccrued interest.
MINIMUMBALANCE REQUIREMENTS:
IZI ToOpenthe Account.Youmustdeposit atleast
$100•00 to openthis account.
IZI ToObtain theAnnualPercentageYieldDisclosed.
0Youmust maintainaminimumbalance of
$ in the accounteach day to obtain
thedisclosedannualpercentageyield.
IZI Youmust maintainaminimumaverage dailybalance of
$100•00 toobtain the disclosed annualpercentageyield. The average daily balance is calculated byadding the principalintheaccountforeach dayof theperiodanddividingthat figureby the number ofdays inthe period.
Theperiod we useis.:.o.u...a...... _t,""e....,r..s.,..
BALANCE COMPUTATIONMETHOD:
0Daily Balance Method. Weuse the daily balance methodto
0Thefixed initialrateisnotdeterminedbythis rule.
0Theinitialinterestrateonyouraccount------
calculate the interest on your account.This method applies a
dailyperiodicrate totheprincipalintheaccounteachday.
IZI Average Daily Balance Method. We use the average dailybalance method to calculate interest on your account. Thismethodapplies aperiodic rate totheaverage dailybalance intheaccount for the period.The average daily balance is calculatedbyadding theprincipalintheaccountforeach dayofthe periodanddividingthat figure bythenumberofdaysintheperiod.
Subsequentrates
Theperiod weuseiso....u..a.....r..,t""e....,.r..s,.._
ACCRUALOFINTERESTONNONCASH DEPOSITS:
IZI Interest begins to accrue nolater than the business day wereceive credit for the deposit of noncash items (for example,checks).
Frequency ofRateChange:
1ZJ Wemaychangetheinterestrateonyour account£L
our discretion
0 Yourinitialinterestrate willnotchange
Wemaychange theinterestrate onyour accountatthat timeandat ourdiscretionthereafter.LimitationsonRateChanges:
0 Theinterestratefor youraccountwillnot
bymore thaneach------
Ex{5iiii'e.® 1992B•nkersSystems,Inc..St.Cloud,MN FormTSD-TIME 6117/2005
0Interestbegins toaccrue ------
youdepositnoncashitems(for example, checks).MATURITYDATE:
IZI YouraccountwiIImature on------
0Youraccountwill mature in _
IZI Wemay accelerate the maturity orcall this account,atouroption,atourdiscretion atany time
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0Your accounthasno definitematuritydate.Towithdraw anyorpart of this depositwithoutpenalty,wemustreceive at leastwrittennoticefrom
lXI Youmay makeunlimiteddepositsinto youraccount.
0You may not make any deposits into your account untilmaturity.
_y_o_u of_y_o_u_r--,i-n...t,_e_n.,t.',i"o"n....t,o.
ma7k_e_a_w..i,'t"h-'d7r_a_wal.The notice must
specifythe exact amountanddate of the intendedwithdrawal.Interest will nolonger accrue after the withdrawaldate specifiedin your notice on theamountspecifiedinyour notice.Wemayterminatethis accountbymailinganoticetoyouofourintention
to terminateat least ten days before the termination date. Thedate of intendedwithdrawalof the last fundsin the account,orthe termination date,isconsideredtobethe maturitydate.
TIMEDEPOSITWITHDRAWALLIMITATIONS:
0Principal:------
lXI Theminimumamountyoucandepositis$ 0·:...:0.
lXI Themaximumamountyoucandepositis$ 999999.99.
0
RENEWALPOLICY:
0SingleMaturity:This accountwillnotrenew automaticallyat
maturity.Ifyoudonotrenew theaccount,------
lXI Interest:AFTER IT HAS BEEN CREDTIED
0Interest Timing: Youcanwithdrawinterest ------
lXI Automatic Renewal:This accountwill automatically renewatmaturity.
lXI Youwillhave 10calendardaysafter the maturitydateto withdrawfunds withoutpenalty.
lXI Exceptions to Automatic Renewal: This account will notrenew if you withdrawthe funds on the maturitydate orifwereceive writtennoticefrom you onorbefore thematuritydateof
yourintentionnot torenew.
0There is no grace period followingthe maturityof thisaccountto withdrawfunds withoutpenalty.
EARLYWITHDRAWALPENALTY:
Apenalty 0may 0will beimposedfor withdrawals beforematurity.Thepenalty willbeanamountequalto:
0Seven days' interest on the amount withdrawn if the
withdrawalismade withinthefirstsixdaysafter thedeposit.
0180 days' interestontheamountwithdrawn
090 days' interestontheamountwithdrawn
030days' interestontheamountwithdrawn
lXI 90 DAYS INTEREST
RENEWALTERMS:
lXI SameTermAsOriginal:Eachrenewalterm willbethesameastheoriginalterm, beginningonthe maturitydate.
0Different Term:Eachrenewal term willbe------
------,beginningonthematuritydate.RENEWALINTERESTCALCULATION:
lXI Same Interest Calculation:Interestwill becalculated onthesamebasisasduring the originalterm.
0 Different InterestCalculation:Theinterestrate will
0 The interest rate we will use to calculate the interest
forfeiturewillbe:
_
BONUSES:
0Youwill ------
We will charge the penaltyfirst against any interestthen inthe account, and any excess will be deducted from theamount youwithdraw.
0Ifyou withdraw some of your funds before maturity,the
interestrate for the remainingfunds in your accountwill be
asabonus
0 Youmustmaintainaminimum
of$
toobtain thebonus.
0Toearnthebonus.------
%withanannualpercentage yieldof
%.
lXI MinimumBalance Accounts.Wereserve the righttotreatany withdrawalwhichwouldreduce thebalanceremaininginthe account below the required minimum initialdepositorminimum balance as a Withdrawal of the entire accountbalance andcalculate theamountofthepenaltyaccordingly.
In certain circumstances,such asthe death orincompetence ofanaccountowner,thelaw permits,orin some cases requires,the waiver of the early withdrawal penalty. Other exceptions
IXJ PRE-MATURITY NOTICE: Your account will mature on
------.Ifthe accountrenews,thenewmaturitydate willbe ------
0Theinterestrate fortherenewedaccountwillbe
------% withanannualpercentageyieldof
may also apply, for example, if this is partof anIRA or other%.
tax-deferredsavings plan.
ADDITIONSTOACCOUNT:
0You may make no more than ------deposits
lXI The interestrate and annual percentage yield have not
yetbeendetermined.Theywillbeavailableon
into youraccount each------
0Youmay onlymake depositsinto your account------
Ex{5iiii'e.®@1992 BankersSystems.Inc.,St.Cloud,MN FormTSDTIME 6/17/2005
Pleasecall (970l243 -6600tolearntheinterestrate and annual percentage yield for your new account.
0ADDITIONALTERMS:
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