Summer's bringingall-starCD rate2 MONITH CD24.MONTH CD1.411.51PNYCB ELITE RATENYCB ELITE RATEZ-MONTH CD 24-MONTH CD0APY$500 minimum to open and to earn interest.Get these great rates when you enroll in NYCB Elite, link yourCD to a new or existing NYCB Elite Gold Checking account andmaintain $100,000 or more in combined balances?myNYCB.com (877) 786-6560OHiO SAVINGS BANKA Division of New York Community Bank, Member FDICAnnual Percentage Yields (APYs) above are accurate as of date of publication and are subjectto change without notice. The minimum balance to open the promotional CDs and to eam thestated APY is $500. The interest rate remains foed until maturity, A penalty may be imposed forwithdrawals before maturity. Fees could reduce earnings. The Promotional CDs must be openedwith new money not currently on deposit with the Bank.To earn 1.41% Ay on the 12-Month CD or l 51% APY on te 24-Month co, enrollment inNYCB Elite Gold or Platinum is required. NYCB Elite Gold Checking account minimum to openis $5,000. NYCB Elite Relationship Terms and Conditions apply. Not available for non profit orbusiness accounts. Maintain $100,000 or more in combined balances in the NYCB Elite Goldrelationship to waive monthly fee. Those not enrolled in NYCB Elite wil earn 1.31% APY on the12-Month CD or 1 41% on the 24-Month CD.Rates are available for accounts opened in branches located in Arizona, Florida and Ohio onlyOffer may be withdrawn at the discretion of the bank at any time. The bank is not responsible fortypographical errors92017 New York Community Bankd in NYCB Elite wil earn l31% APY on th

Date: July 16, 2017

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Summer's bringing all-star CD rate 2 MONITH CD24.MONTH CD 1.411.51P NYCB ELITE RATE NYCB ELITE RATE Z-MONTH CD 24-MONTH CD 0 APY $500 minimum to open and to earn interest. Get these great rates when you enroll in NYCB Elite, link your CD to a new or existing NYCB Elite Gold Checking account and maintain $100,000 or more in combined balances? myNYCB.com (877) 786-6560 OHiO SAVINGS BANK A Division of New York Community Bank, Member FDIC Annual Percentage Yields (APYs) above are accurate as of date of publication and are subject to change without notice. The minimum balance to open the promotional CDs and to eam the stated APY is $500. The interest rate remains foed until maturity, A penalty may be imposed for withdrawals before maturity. Fees could reduce earnings. The Promotional CDs must be opened with new money not currently on deposit with the Bank. To earn 1.41% Ay on the 12-Month CD or l 51% APY on te 24-Month co, enrollment in NYCB Elite Gold or Platinum is required. NYCB Elite Gold Checking account minimum to open is $5,000. NYCB Elite Relationship Terms and Conditions apply. Not available for non profit or business accounts. Maintain $100,000 or more in combined balances in the NYCB Elite Gold relationship to waive monthly fee. Those not enrolled in NYCB Elite wil earn 1.31% APY on the 12-Month CD or 1 41% on the 24-Month CD. Rates are available for accounts opened in branches located in Arizona, Florida and Ohio only Offer may be withdrawn at the discretion of the bank at any time. The bank is not responsible for typographical errors 92017 New York Community Bank d in NYCB Elite wil earn l31% APY on th