BETTER BUSINESS INVESTMENT SAVINGS	BUSINESS CERTIFICATES OF DEPOSIT
BUSINESS MONEY MARKET SAVINGS	CONDO CERTIFICATE OF DEPOSIT

BETTER BUSINESS INVESTMENT SAVINGS FEATURES

This account is a great way for a business to earn high interest on idle business funds. You can also link this account directly to your business checking account to protect against returned checks.

Earn a competitive interest rate

FREE unlimited use of Cambridgeport Bank's ATMs

Overdraft Transfer option to cover insufficient funds in your Business Checking account

Tiered rate account for extra interest earnings

Tiering is as follows:
Balance of $10 - $999.99
Balance of $1,000 - $24,999.99
Balance of $25,000 - $49,999.99
Balance of $50,000 and above

Important Information

Interest Rate

• Daily interest accrues when the minimum balance of $10 is maintained.
• Interest is compounded monthly on the statement date.
• Higher balances on deposit earn higher interest rates.
• The interest rate is variable.

Minimum Balance Requirements / Service Charges

• No monthly maintenance fee.
• Deposits in excess of 5 per statement period are $0.75 each.
• Deposited items in excess of 5 per statement period are $0.10 each.
• $1.25 fee per withdrawal at all network (non-Cambridgeport) ATM's

Overdraft Protection Option Restrictions

• Federal regulations limit Telephone, ACH, and Overdraft Transfers to a maximum of six per statement period.
• Overdraft Transfer Option: Six or fewer automatic transfers per statement period are allowed.

ATM Limitation

• ATM purchase maximum is $500 per card per day.

BUSINESS MONEY MARKET SAVINGS FEATURES

This account offers business customers the interest feature of a savings account and the accessibility of a checking account.

Write up to three checks per statement period

Earn a competitive interest rate

Tiered rate account for extra interest earnings

Tiering is as follows:
Balance of $ 10 - $999.99
Balance of $ 1,000 and above

Important Information

Interest Rate

• Daily interest accrues when the minimum balance of $10.00 is maintained.
• Interest is compounded monthly on the statement date.
• Higher balances on deposit earn higher interest rates.
• The interest rate is variable.

Minimum Balance Requirements / Service Charges

• No monthly maintenance fee.
• Deposits in excess of 5 per statement period are $0.75 each.
• Deposited items in excess of 5 per statement period are $0.10 each.
• $1.25 fee per withdrawal at all network (non-Cambridgeport) ATM's.
• There is a $5.00 per check fee for any checks paid in excess of three per statement period.

BUSINESS CERTIFICATES OF DEPOSIT FEATURES

Cambridgeport Bank's Commercial Term Certificates are an extremely safe investment with a guaranteed rate of interest for a certain period of time. Businesses may earn CD rates with as little as $1,000 for a 30-day term.

All Cambridgeport Bank Certificates of Deposit Accounts are fully insured by the FDIC and the DIF. Our CDs offer many flexible terms, a convenient renewal Process, and competitive interest rates.

Flexible term investments with initial maturity ranging from 30 to 90 days

Guaranteed interest rate through maturity

2 options for monthly interest payments:

• Interest compounded
• Interest automatically transferred to another Cambridgeport business account

At maturity, the CD will automatically renew for the same term at a prevailing rate

Changes and withdrawals during maturity may be requested by mail or phone

5-calendar day grace period for Commercial CDs

Important Information

Interest Rate

• The interest rate is fixed for term of the CD.
• The interest accrues daily and is compounded monthly on the last day of the month.
• All or part of accrued interest may be withdrawn at anytime without incurring a penalty.
• No interest will be paid during the grace period following the maturity date.

Minimum Balance / Service Charges

• Business CD's can be opened with a minimum of $1,000.
• There are no withdrawal penalties if the funds are left in the account for the length of the term.
• If an early withdrawal occurs, the customer will be penalized:
  Entire amount of interest earned for 30-day term or
  Full 3 months earned and unearned interest for 90-day term.

CONDO CERTIFICATE OF DEPOSIT FEATURES

Commercial Term Certificates are an extremely safe investment with a guaranteed rate of interest for a certain period of time. Condominium associations may earn higher CD rates than could be earned on a conventional Business Certificate of Deposit.

All Cambridgeport Bank Certificates of Deposit Accounts are fully insured by the FDIC and the DIF. Our CDs offer many flexible terms, a convenient renewal process, and competitive interest rates.

Guaranteed interest rate through maturity

2 options for monthly interest payments:

• Interest compounded
• Interest automatically transferred to another Cambridgeport business account

At maturity the CD will automatically roll over for a 12-month term at the prevailing rate

Early withdrawal to finance emergency expenditures

5-calandar day grace period for Commercial CDs

Important Information

Interest Rate

• The interest rate is fixed for term of the CD.
• The interest accrues daily and is compounded monthly on the last day of the month.
• No interest will be paid during the grace period following the maturity date.
• Customers may allow the interest to accumulate in their CD or have it transferred to a Business Checking or Savings account
• Interest on a CD will always be calculated to the end of the month

Minimum Balance / Service Charges

• If an early withdrawal occurs, other than an emergency, the customer will be penalized: a full 6 months earned and unearned interest for 12-month term.