Wanda has one year to maturity on her compound Canada Savings Bond worth $10,000. The guaranteed rate at issue was 10%, while the rate on the current series of CSBS has a guaranteed rate of 5%. She decides to redeem the CSB because she needs the cash. What do the proceeds received from the redemption represent?

a) only the principal amount of the bond

b) principal and capital gains

c) principal and accumulated interest earned over the period held

d) principal, accumulated interest and capital gains