The art of SavingStart saving for that one momentyou Value most with aNYCB ELITE RATE 12-MONTH CD1.25% APY$500 minimum to open and to earn interest. Get thisgreat rate when you enroll in NYCB Elite, link your CD toa new or existing NYCB Elite Gold Checking account andmaintain $100,000 or more in combined balancesmyNYCB.com (877) 786-6560OHIO SAVINGS BANKA Division of New York Community Bank, Member FDICAnnual Percentage Yield (APY) above is accurate as of date of publication and is subject to change without notice. The minimum balance to open the promotional CD and to earn the stated APY is $500. The interest rate remains fixed until maturity. A penalty may be imposed for withdrawals before maturity. Fees could reduce earnings. The Promotional CD must be opened with new money not currently on deposit with the Bank.To earn 1.25% APY on the 12 Month CD, 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 incombined balances in the NYCB Elite Gold relationship to waive monthly fee. Those not enrolled in NYCB Elite will earn 1,15% APY on the 12 Month CD.Rates are available for accounts opened in branches located inFlorida and Ohio only. Offer may be withdrawn at the discretion of the bank at any time. The bank is not responsible for typographical errors.C2017 New York Community Bank

Date: February 26, 2017

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The art of Saving Start saving for that one moment you Value most with a NYCB ELITE RATE 12-MONTH CD 1.25% APY $500 minimum to open and to earn interest. Get this great rate 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 Yield (APY) above is accurate as of date of publication and is subject to change without notice. The minimum balance to open the promotional CD and to earn the stated APY is $500. The interest rate remains fixed until maturity. A penalty may be imposed for withdrawals before maturity. Fees could reduce earnings. The Promotional CD must be opened with new money not currently on deposit with the Bank. To earn 1.25% APY on the 12 Month CD, 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 will earn 1,15% APY on the 12 Month CD. Rates are available for accounts opened in branches located in 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. C2017 New York Community Bank

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