Kennebec Savings Bank...207-622-5801

Certificates of Deposit & Individual Retirement Accounts**
Description	Minimum Balance Required	Interest Rate	Annual Percentage Yield	Interest Compounding
6 Months*	$500	2.47%	2.50%	Daily
9 Months*	$500	0.00%	0.00%	Daily
1 Year	$500	2.57%	2.60%	Daily
2 Years	$500	2.76%	2.80%	Daily
3 Years	$500	3.30%	3.35%	Daily
4 Years	$500	3.59%	3.65%	Daily
5 Years	$500	4.07%	4.15%	Daily
7 Years	$500	4.07%	4.15%	Daily

Minimum deposit to open each account and to obtain the stated Annual Percentage Yield (APY) is $500.00 or more. APY is accurate as of 7/11/08. These CDs are a limited time offer and this offer may be withdrawn at any time.

The Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. An early withdrawal will reduce earnings. A penalty will or may be imposed for early withdrawal. Additional information may be obtained by calling your local branch. Rates are subject to change without notice. Rates quoted are fixed for the term of the account.

The Bank reserves the right to accept deposits consistent with Bank policy and practice which may include geographic and other restrictions.

* Although the term is less than 1 year, the interest rate and APY is quoted on an annual basis.

** All CDs are available as an IRA, with the exception of the 6 & 9 month CD.

(Effective Date: July 11, 2008)

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FDIC

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