Truth Insavingsdisclosure

HOMELOANSTATEBANK

205 NORTH4THSTREETGRANDJUNCTION,CO81501

TRUTH INSAVINGSDISCLOSURE

FORTIMEACCOUNTS

Terms followinga0apply onlyif checked.Acct:3 yr, 4 yr, 5 yr Legacy CD

Acct#:

Date:

IZI The interest rate and annual percentageyield stated belowareaccurateasofthedateprintedabove.Ifyouwouldlike morecurrentrateand yieldinformationpleasecallusat (970) 243

- 6600

This disclosure contains the rules which govern your depositaccount. Unless itwouldbe inconsistentto do so, words andphrases used in this disclosureshould beconstruedso that thesingular includes thepluralandthepluralincludesthe singular.

IZi FIXEDRATE:

IZI Theinterestrate foryour accountis % withanannualpercentageyield of %. We will paythis ratequarterly

0The interest rate and annual percentage yield for your

account depend upon the applicable rate tier. We will paytheserates ------

0VARIABlERATE:

0Theinterestratefor your accountis ------%

with anannualpercentageyield of %.

Yourinterestrateandannual percentageyield maychange.

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

DeterminationofRate:

0At our discretion, we may change the interest rate onyouraccount.

0Theinterestrate foryouraccount------

0Theinterestrate will notbelessthan %

ormore than %.

0Theinterest rate willnot------theinterestrate initiallydisclosedtoyou.

COMPOUNDING ANDCREDITING:

IZI Frequency-Interest willbecompoundedquarterly

Interest willbe addedto balance quarterly.

1ZJ Withdrawal of Interest Before Maturity. The annualpercentage yield assumes that interestremains ondeposituntilmaturity.Awithdrawalofinterestwill reduce earnings.

0Required Interest Distribution. This account requires the

distribution of interest and does not allowinterest to remain intheaccount.

IZI Effect on Closing an Account. If youclose your account

before interestis credited,you Wh.l1 ------receivetheaccrued interest.

MINIMUMBALANCE REQUIREMENTS:

1ZJ ToOpentheAccount.Youmust deposit atleast

$10,000.00 toopenthis account.

IZI ToObtain theAnnualPercentageYieldDisclosed.

0Youmust maintainaminimumbalance of

$in the accounteach day to obtainthe disclosed annualpercentageyield.

IZI Youmust maintainaminimumaverage daily balanceof

$10 000.00 toobtainthedisclosedannualpercentageyield. The average daily balance is calculated byadding the principalinthe accountfor eachday oftheperiodanddividingthat figure by the number of days inthe period.

Theperiod weuseis.O:.u'"-2.r.!-"..,.e._r....;------

BALANCE COMPUTATIONMETHOD:

0Daily Balance Method.Weuse the daily balance methodto

0Thefixedinitial rate isnot determinedbythisrule.

0Theinitialinterestrate onyour account------

calculate the intereston your account. This methodapplies a

daily periodic rateto theprincipalinthe accounteachday.

IZI AverageDaily Balance Method. We use the average dailybalance method to calculate interest on your account. Thismethodapplies aperiodic ratetothe average dailybalance intheaccountfor the period.The average daily balance is calculatedbyaddingthe principalinthe accountfor eachdayof the periodanddividingthat figure bythenumber ofdaysintheperiod.

Subsequentrates

Theperiod weuseis.O:.u'"-a2..!r-"te.._.r...;------

ACCRUAOlFINTERESTONNONCASHDEPOSITS:

IZI Interest begins to accrue no later than thebusiness day wereceive credit for the deposit of noncashitems (for example,checks).

Frequency ofRateChange:

0Wemay change theinterestrate onyour account _

0Yourinitialinterestrate willnot change _Wemay change theinterestrate onyour accountatthat time

andthereafter.

LimitationsonRateChanges:

0 Theinterestratefor youraccountwillnot

bymore than ------each------

0Interest begins toaccrue ------

youdeposit noncash items (forexample,checks).MATURITYDATE:

IZI Your account willmature on

0 Your account willmature in

IZI Wemay accelerate the maturityorcallthis account,atouroption,at ourdiscretion at anytime.

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0Your accounthasno definitematuritydate.To withdrawanyorpart ofthis depositwithout penalty,we must receive at least

---:-----:---.-----.,-----:-:---:----written notice fromyou of your intentionto make a withdrawal.The notice must

specifytheexactamount anddateoftheintendedwithdrawal.Interest willnolonger accrue after the withdrawaldate specifiedinyournotice ontheamountspecifiedinyournotice.Wemayterminatethis accountbymailing anotice toyou ofour intentionto terminate at least ten days before the terminationdate.Thedate of intended withdrawalof the last funds inthe account,ortheterminationdate,isconsideredtobethematuritydate.

TIMEDEPOSITWITHDRAWALLIMITATIONS:

0Principal:------

0Youmaymakeunlimiteddepositsintoyour account.

IZI You may not make any deposits into your accountuntilmaturity.

0 Theminimumamount youcandepositis$

0 Themaximum amountyoucan depositis $

RENEWALPOLICY:

0SingleMaturity:This accountwill not renew automaticallyat

maturity.If youdonot renew the account,------

IZJ Interest:AFTERIT HAS BEEN CREDITED

0InterestTiming:Youcan withdrawinterest------

IZI Automatic Renewal:This accountwillautomaticallyrenewatmaturity.

IZI Youwillhave 10calendardaysafter thematuritydateto withdrawfunds withoutpenalty.

IZI Exceptions to Automatic Renewal: This account will notrenew if you withdrawthe funds onthe maturitydate or if wereceive writtennoticefrom youonorbefore thematuritydateof

your intentionnot torenew.

0There is no grace period followingthe maturityof thisaccountto withdrawfunds withoutpenalty.

EARLYWITHDRAWALPENALTY:

A penalty 0may 0will beimposedfor withdrawals beforematurity.Thepenalty will beanamount equalto:

0Seven days' interest on the amount withdrawn if the

withdrawal ismade withinthe first sixdays after thedeposit.

0180days' interest ontheamountwithdrawn

090days'interest ontheamountwithdrawn

030 days' interest ontheamountwithdrawn

IZI 180DAYS INTEREST

RENEWALTERMS:

IZI Same TermAs Original:Eachrenewalterm will bethesameastheoriginalterm,beginningonthe maturitydate.

0DifferentTerm:Eachrenewaltermwillbe------

------,beginningonthematuritydate.RENEWALINTERESTCALCULATION:

IZI Same Interest Calculation:Interestwillbecalculated onthe

samebasisasduringtheoriginalterm.

0 Different InterestCalculation:Theinterestratewill

0 The interest rate we will use to calculate the interest

forfeiturewill be:------

BONUSES:

0Youwill------

We will charge thepenalty first against any interestthen in

asabonus

the account, and any excess will be deducted from the

0Youmust maintani

aminimum

amountyouwithdraw.

0If you withdrawsome of your funds before maturity,theinterest rate for the remaining funds in your accountwillbe

of$ _

toobtain thebonus.

0Toearnthebonus.------

%withanannualpercentage yieldof

1ZJ Minimum BalanceAccounts.Wereserve the righttotreatany withdrawalwhich wouldreduce the balanceremaininginthe accountbelowtherequiredminimuminitialdeposit orminimum balance as a Withdrawal of the entire accountbalance andcalculatetheamountofthepenaltyaccordingly.

In certain circumstances,such asthe death orincompetenceofan accountowner,the law permits,orin some cases requires,the waiver of the early withdrawal penalty. Other exceptionsmay also apply,for example, if this is part of an IRA or othertax-deferredsavings plan.

ADDITIONS TOACCOUNT:

0You may make no more than ------deposits

IZJ PRE-MATURITY NOTICE: Your account will mature on

------.Iftheaccountrenews.thenewmaturitydatewillbe

0Theinterestrate fortherenewed account willbe

------% withanannualpercentage yieldof

------%.

IZI The interestrate and annual percentageyield have not

yetbeendetermined.They willbeavailableon

intoyouraccounteach------

0Youmayonlymake depositsinto your account------

Pleasecall(970l2 43 -6600to learntheinterestrate and annual percentage yield for your new account.

0ADDITIONALTERMS:

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