Regular Savings Account:
• Flexible account for individuals, businesses and non-profit organizations
• $100 minimum opening deposit
• Variable rate account¹
• $3 per quarter maintenance fee charged if balance drops below minimum $100 daily balance.
• Minimum balance requirements waived for persons under 21 years of age.
• Unlimited free Internet access to account and ATM card available.
• Excessive withdrawal fee: $.50 per withdrawal after 10 withdrawals per quarter.
• Statements will be mailed quarterly unless customer has account tied to a checking account or ATM activity; in such cases, statement will be received monthly.

¹variable rate account which is subject to change daily; interest compounded and credited quarterly. Please contact a Personal Banker for the current rate sheet for annual percentage yields (APY). If account is closed before interest is paid, accrued interest will not be paid.


“Christmas Club” Account:
• $5.00 minimum opening balance
• Variable rate account²
• Unlimited deposits
• Automatic transfers from any Cambridge State Bank account
• Free internet access to this account
• Your "Christmas Club" check will be mailed to you in the beginning of November. The amount of the check will include the principal balance plus accrued interest.

²variable rate account which is subject to change daily; simple interest credited annually. Please contact a Personal Banker for the current rate sheet for annual percentage yields (APY). Withdrawals from this account are not permitted without the closing of the account. If account is closed before interest is paid, accrued interest will not be paid.

MEMBER FDIC
Publication date: May 1, 2007