Certificates of Deposit are available for terms of 3 months to 4 years, with competitive interest rates; and our individual retirement accounts can help you save for later years.

Certificates of Deposit:

• Premium interest bearing account¹
• You choose the dollar amount and length of time to commit your money.
  Minimum deposit amounts as follows:

• Customer may request monthly or quarterly interest payments to another Cambridge
  State Bank account or by check
• Automatically renewable
• Rate guaranteed for the term of the certificate
• Penalties may apply for early withdrawal

¹Interest rates are subject to change daily. Please contact a Personal Banker for the current rate sheet for annual percentage yields (APY).

Individual Retirement Account:

• IRA Passbook Savings:
  - $100 minimum opening deposit
  - Variable rate account²
• Invest in any term certificate of deposit (see above for minimum deposit requirements)
• May be tax deductible (Please consult with your tax advisor)
• No annual administration fee
• Traditional or Roth IRA, Educational IRA, and SEP

²variable rate account with is subject to change daily; interest is 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.

MEMBER FDIC
Publication date: May 1, 2007