FREQUENTLY ASKED QUESTIONS

Are there early withdrawal penalties?
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Yes. Please refer to your account’s Truth In Savings disclosure for a listing of withdrawal penalties.

Can I make a withdrawal from my CD with CD Bank before maturity?
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Yes, however, there may be an early withdrawal penalty on any withdrawal made before maturity. Please refer to your account’s Truth in Savings disclosure for a listing of withdrawal penalties.

How often is interest credited?
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Interest is paid at maturity on certificates maturing in less than one year. Interest is compounded and paid semi-annually on certificates with a maturity of one year or longer.

IS CD BANK FDIC INSURED?
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As a division of TBK Bank, SSB, CD Bank is FDIC insured. You can find more information on the FDIC insurance of TBK Bank, SSB at fdic.gov.

PLEASE NOTE: TBK Bank, SSB and CD Bank, a division of TBK Bank, SSB are the same FDIC-insured institution. Deposits held under each name are not separately insured, but are combined to determine whether a depositor has exceeded the $250,000 federal deposit insurance limit, per depositor for each account ownership category. For purposes of calculating aggregate deposits held in CD Bank, you should include deposits held in TBK Bank, SSB and Triumph Community Bank, a division of TBK Bank, SSB.

What if I have a complaint against CD Bank?
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We want to do everything in our power to make you happy. Please call (888) 201-8185 to talk to one of our Bank Representatives. CD Bank is a division of TBK Bank, SSB, which is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Savings and Mortgage Lending. Any consumer wishing to file a complaint against CD Bank, a division of TBK Bank, SSB should contact the Texas Department of Savings and Mortgage Lending through one of the means indicated below: In Person or by U.S. Mail: 2601 North Lamar Blvd. Suite 201, Austin, TX 78705-4294. Telephone (877) 276-5550, Fax (512) 475-1505, or via electronic submission on the Department’s website at:

http://www.sml.texas.gov/consumerinformation/tdsml_consumer_complaints.html

Who do I contact with questions?
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You can contact CD Bank via phone, email, or mailing address.

Phone: 888-201-8185

Email: contact@cdbank.com

Address: PO Box 750 Brighton, CO 80601