Certificate of Deposit'USF CJGF J.7�i'i ib�.3 �i 4Utb eDt Ul ZJ Ml t'LHNNINU UUNSULI 11AUE 01
Time Certificate . DeDosit
Financial Institution: First Interstate Bank , FIB Kalispell
P.D. BOX 7130, 2 Main retreat, Kalispell, MT S 130 Number-.
Account Name; NORTHWEST HEALTHCARE AND CITY OF KALISPELL B IN: 81-0406485
Account Number issue Date I Deposit Amount Term Maturity date
2300005505 January 2, 1t98 2,963.00 12 Months January 2, 11an
Rate Information: This ai:count is an interest bearing account, The Interest rate on the account is 6.00% with an annual percentage yield of
6100%.
The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be In ~ until January 2, 1999.
Interest begins to accrue on the business day you deposit nonc95h Items (for example, Checks), Interest will be compounded annually and will
be credited to the account at maturity. Interest on your account will be credited by adding the Interest to the principal,
Balance Information: W� use the average daily balance method to calculate Interest on your account. This method applies a periodic rate to
the average daily balance :n the account for the period. The average daily balance Is calculated by adding the principal in the account for each
day of the period and dividing that figure by the number of days in the period. We will use an interest accrual basis of 365 for each day in the
year. You must maintain a minimum balarice of $10EI ,00 to obtain the disclosed annual percentage yield.
t-imitations: You most ciaposit s1,ow-00 to open this account. You may not make additional deposits into this amount. You may not make
withdrawals from your account until the maturity date.
Time account Information: Your account will mature on January 2, 19%. If you withdraw any of the principal before the maturity dais we may
Impose a penalty of 3 Months Interest on amount withdrawn. The annual percentage Aid assumes interest will remain on deposit until maturity,
A withdrawal will reduce earnings. This account will automatically renew, You will have 10 DAYS attar the maturity date to withdraw funds
without penalty.
AI *" Fees: No Account Fees for 12 Month Auto Renew GD,
Title of
NOT TRANSFERABLE —NON NEGOTIABLE
We appreciate your decision to open a time certificate of deposit account with us. This Agreement sets forth carfain conditions, rates and rules that
are specific to your Account. Each signer acknowledges that the Account Holder named has placed can deposit with the Flnanoij Institution the
peposit gmcUni indicated and has agreed to keep the funds on deposit until the Maturity Date. As used In this Agreement, the words "you", "your" or
ours" mean rite A00OUni Hotder(s), the word "Account" sheens this Time Deposit Agreement Account and the word "Ag$reement" rMans this Tlrr4
ertiticate of pa3po5it AgreeTr o-rit, and the words "we', "us" and "our" mean the Financial institution, This Account is effective as of the issue bate and
is valid as of the date we receive credit for noncash items (such as checks drawn on other financial institutions) deposited to open the Account.
Deposits of foreign currency will be converted to U.S. funds as of the date of deposit and will be reflected as such on our records.
INTEREST RATE, The interest rate Is the annual rate of interest paid on the Account which does not reflect compounding ("Interest Rate"), and is
based upon the interest accrual basis described above.
AUTOMATIC RENEWAL POLICY. If the Amount will automatically renew as bed above, the principal amount and all paid earned Interest that
has not been withdrawn mil tautomatically renew on each Maturity for an Identkml period of time as the original deposit term. Interest on
renewed accounts will be calculated at the interest rate then in for time deposits of that Deposit Amount sill term, If you wish to withdraw
funds from your Account, you must notify us during the grace period attar the Maturity Date.
EARLY WITHDRAWAL PENALTY. You have agreed to keep the funds on deposit until the Maturity Date of your Account. Any withdrawal of ail or
part of the funds from your Account prior to maturity may result in an early withdrawal penalty. We will consider requests for Misty withdrawal and, if
granted, the penalty as specified above will apply.
Minimum Rewired Penalty. The Minimum Required Penalty is equal to seven (7) days' simple interest. If an amount in excess of the
Minimum %%wired Penalty s specified, the early withdrawal penalty will be calculated as a forfeilurs of part of the accrued interest that has or would
be earned on the Account. If your Account has not yet earned enough Interest so that the penalty can be deducted from earned interest, or it the
interest already has been paid, the difference will be deducted from the prinelCal amount of your ACCOUrtt
Erreptlons. We may allow the withdrawal of all or part of your Account before the Maturity ):sate without Imposing an early withdrawal penalty
in the following circumstances (1) one or more of you dies or is determined legally incompetent by a court or other administrative body of competent
junsdction; (2) where the Account is an individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or
least
where the Account is a Keogh Plan (Keogh), provided that you forfeit an amount at equal to the interest earned on file amount withdrawnt or
where the Account is an IRA or Keogh and you attain age 59 112 or become disabled; or (3) within an applicable grace period Of any),
RIGHT OF SETOFF, Subject to applicable law, we may exercise our right of setoff against any and all of your Accounts (except IRA, t�(ao�h plan and
Trust Accounts) without notice, for any liability or debt of any of you, whether joint or individual, whether direct or contingent, wttefher now or
hereafter exisling and whether arising front overdrafts, endorsements, guarantees, bans, or other obligations. If the account Is a joint account, each
joint account holder authorize5 us to exercise our right of setoff against any and all Accounts of each account holder.
OTHER ACCOUNT RULES. The following rubs also apply to the Account.
Surreincler of Instrument. We may require you to endorse and surrender this Agreement to us when you withdraw funds, transfer or close
your Amount. if you lose this Agreement, you agree to sign any adidavit of lost instrument, or other Agreement we may require, and agree to hold us
harmless from liability, prior to our honoring your withdrawal or request.
Death of Account Holder. Each Account Holder agrees to notify us immediately upon the death of any other Amount Holder. You agree that
we may hold the funds in your Account until we have receivad all required documentation and instructions.
indemnity. if you ask us to follow Instructions that we beteve right expose us to any claim, liability or damages, we may refuse to follow your
Instructions or may require a bond or other protection, including your agreement to indemnify us,
Pledge. You agree not to pledge your Account without our prior consent. You may not Mthdraw funds from your Account until all obligations
secured by your Account are satisfied,
04POPIT 0110, RmV, ❑ S. Pit. t T,H, oFr, , YYr. 0 *20 (,) 1007 M PraSpvpq. inf. AY AMA Ra -d UT- Uaa