PERSONAL SAVINGS

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At Century Bank and Trust we offer a variety of savings products, including traditional savings accounts, and time deposits such as Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs) to meet your financial needs. CDs are offered to local customers and terms range from six months to 36 months beginning at $500. If you are interested in purchasing a CD, please contact us below for our current rates.

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Savings Accounts
Individual Retirement Accounts (IRAs)

Personal Savings Accounts

Savings Accounts

ACCOUNTS	FEATURES AND BENEFITS	MONTHLY MAINTENANCE FEE	ANNUAL PERCENTAGE YIELD (APY)* AND REQUIRED BALANCE TO EARN APY	MINIMUM OPENING DEPOSIT	EASY ONLINE APPLICATION
Regular Savings	Start saving without worrying about high balance requirements. Low monthly maintenance fee. For complete account control we offer free: Account Alerts Online Banking Mobile Banking	$3.00 Avoid this fee by maintaining a minimum daily balance of $100.00. $1.00 Per withdrawal charge for each withdrawal exceeding six in a calendar month.	0.05% $0.01+	$100.00	Apply
Children's Savings (under 18)	A totally free account. Earns interest. No monthly maintenance fee.	None	0.05% $0.01+	$100.00	Apply
Money Market Savings	Interest bearing savings account. Achieve higher earnings with tiered rates. For complete account control we offer free: Account Alerts Online Banking Mobile Banking	$10.00 Avoid this fee by maintaining a minimum daily balance of $1,000.00. $2.00 Per withdrawal charge for each withdrawal exceeding six in a calendar month.	0.10% $0.01-$24,999.99 0.15% $25,000.00-$49,999.99 0.20% $50,000.00+	$1,000.00	Apply
Christmas Club Savings	Save money over the entire year for your holiday expenses. You pick the frequency and amount of your contributions. We will deposit your account balance before the holidays begin. For complete account control we offer free: Account Alerts Online Banking Mobile Banking	None	0.05% $0.01+	$1.00	Apply
Health Savings Account	Save money, using tax free dollars, to pay for your medical expenses Manage your costs for medical services and insurance premiums with money contributed by you or your employer. For complete account control we offer free: Account Alerts Online Banking Mobile Banking	$3.00 Avoid this fee by maintaining a minimum daily balance of $2,500.00.	0.30% $0.01+	$25.00	Apply

Individual Retirement Accounts* (IRAs)

IRA ACCOUNT	DESCRIPTION	18 MONTH APY	VARIABLE APY*	EASY ONLINE APPLICATION
Traditional IRA	No penalty for distribution if you are age 59 1/2. Required minimum distribution for anyone age 70 1/2+. Contributions to your Traditional IRA may be tax-deductible**.	0.30% $0.01+	0.01%	Apply
Roth IRA	Deposits must be left in for minimum of 5 years to avoid a penalty. Taxes** are paid on deposits. No minimum distributions are required after the age of 70 1/2.	0.30% $0.01+	0.01%	Apply
Coverdell Educational Savings Account	Educational IRAs can be opened by a responsible individual for anyone under the age of 18. Must be used for Educational purposes only.	0.30% $0.01+	0.01%	Apply
Simplified Employee Pension (SEP) IRA	Employer sets up individual accounts for each of the participating employees. The company funds the plan entirely and is able to make pre-tax** contributions up to 25% of annual compensation for all participating employees.	0.30% $0.01+	0.01%	Apply

*A penalty may be applied for early withdrawal.
**Consult your tax advisor.

* APYs are accurate as of . Rates may change before or after an account is opened.
Fees could reduce earnings on an account.
You may call, Toll Free (866) 680-BANK/2265, to obtain the most current rate information.

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Transaction Account Guarantee Program Notice Century Bank and Trust has chosen notto participate in the FDIC’s Transaction Account Guarantee Program. Customers of Century Bank and Trust with non-interest bearing transaction accounts will continue to be insured through December 31, 2013 for up to $250,000 under the FDIC’s general deposit insurance rules.
Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules. The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyer Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov