INVEST IN FDIC-INSURED CD'S TODAY AND WATCH YOUR MONEY GROW! 1 YR 4.5% 2 YR 4.9% 3 YR 4.95% Contact us to see what is right for you: MARTINGALE INVESTMENT GROUP Ronald Kapraun, CEP®/ Julie Bjorklund, CFP® Senior Investment Executive / Wealth Management Advisor 1515 E. Woodfield Rd. Ste. 100 Schaumburg, IL 60173 630-593-7821 www.martingaleinvestmentgroup.com * Rates as of November 2022. Bank certificate of deposits are insured by an agency of the Federal government and offer a fixed rate of return whereas both the principal and yield of investment securities will fluctuate with changes in market conditions. The Annual Percentage Yield (APY) represents the interest earned through maturity date. Rates are simple interest calculation over 365-day basis. Interest cannot remain on deposit. Early redemptions are subject to prevailing market conditions that could result in a loss of principal Cetera Advisor Networks LLC does not guarantee the term of the CD. There are some unique differences between traditional bank CDs and brokered deposits: o CD purchased directly from the bank may face an interest penalty if redeemed prior to maturity. o Brokered CDs cannot be redeemed back to the institution prior to maturity. o Early redemption or liquidation prior to maturity may be an amount less than the original price. Securities and advisory services offered through Cetera Advisor Networks LLC, member FINRA/SIPC, a broker/dealer and Registered Investment Adviser. Cetera is under separate ownership from any other named entity. INVEST IN FDIC - INSURED CD'S TODAY AND WATCH YOUR MONEY GROW ! 1 YR 4.5 % 2 YR 4.9 % 3 YR 4.95 % Contact us to see what is right for you : MARTINGALE INVESTMENT GROUP Ronald Kapraun , CEP® / Julie Bjorklund , CFP® Senior Investment Executive / Wealth Management Advisor 1515 E. Woodfield Rd . Ste . 100 Schaumburg , IL 60173 630-593-7821 www.martingaleinvestmentgroup.com * Rates as of November 2022 . Bank certificate of deposits are insured by an agency of the Federal government and offer a fixed rate of return whereas both the principal and yield of investment securities will fluctuate with changes in market conditions . The Annual Percentage Yield ( APY ) represents the interest earned through maturity date . Rates are simple interest calculation over 365 - day basis . Interest cannot remain on deposit . Early redemptions are subject to prevailing market conditions that could result in a loss of principal Cetera Advisor Networks LLC does not guarantee the term of the CD . There are some unique differences between traditional bank CDs and brokered deposits : o CD purchased directly from the bank may face an interest penalty if redeemed prior to maturity . o Brokered CDs cannot be redeemed back to the institution prior to maturity . o Early redemption or liquidation prior to maturity may be an amount less than the original price . Securities and advisory services offered through Cetera Advisor Networks LLC , member FINRA / SIPC , a broker / dealer and Registered Investment Adviser . Cetera is under separate ownership from any other named entity .