PERSONAL BANKING BK

SAVING OPTIONS - for your goals & dreams

Community Savings Earn a competitive rate of interest and watch your savings grow. p $25 minimum opening deposit. p Unlimited withdrawals made in person. p There is a per item service charge for withdrawals that exceed 6 per month that are not made in person. p Maintain a minimum $250 daily balance to avoid a monthly service charge. p Interest paid quarterly. Community Cash For insured savings with liquidity, this account pays a tiered rate of interest that goes up as the balance goes up. p $100 minimum opening deposit. p Unlimited withdrawals made in person. p There is a per item service charge for withdrawals that exceed 6 per month that are not made in person. p Maintain a minimum $2,500 minimum daily balance to avoid a monthly service charge. p Interest paid monthly. Christmas Club This is an ideal way to save for holiday shopping. Put back a little cash each month and, in November, we will deposit the balance plus any interest earned into your CBT checking or savings account, or mail you a check. $25 minimum opening balance * Limited to one withdrawal per year. Kids Community Club Teaching kids the importance of saving and about managing money is easy and fun with this special account just for them. Check our website for more information. CLUB

Certificates of Deposit Choose the amount and the term and earn competitive, fixed rates. The minimum deposit is only $500 for a certificate of one year or more, $1,000 for less than a year. Federal regulations require a penalty for early withdrawal. Retirement Accounts Certificates of deposit may also be used for IRAs as a safe, predictable way to save for retirement. You may choose either a Traditional IRA with tax-deferred earnings, or a Roth IRA for tax-free earnings, depending upon your situation. Special SEP accounts are available for the self-employed. If you have opened an IRA elsewhere, it is easy to move it to Community Bank & Trust as a rollover or by direct transfer. You should always consult your tax advisor about your retirement savings options and any tax implications before opening or making a change in a retirement account.

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