SUMMERNYCB ELITE RATES7-MONTH CD12-MONTH CD215% 236%18-MONTH CD500nmum to open and earninterest. Get these great rateswhen you enroll in NYCB Elite,link your CD to a new or existingNYCB Elite Gold CheckingAPYaccount and maintain $100,000or more in combined balances?Relax this summer with a CD that fits your need:s!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 earn thestated APY is $500. The interest rate remains foxed until maturity. A penalty may be imposed forwithdrawals before maturity. Fees could reduce eamings. The Promotional CDs must be openecdwith new money not currently on deposit with the Bank.To earn 2.15% APY on the 7-Month CD, 2.36% APY on the 12-Month CD or 2.55% APY on the18-Month CD, enrollment in NYCB Elite Gold or Platinum is required. NYCB Elite Gold Checkingaccount minimum to open is $5,000. NYCB Elite Relationship Terms and Conditions apply. Notavailable for non-profit or business accounts. Maintain $100,000 or more in combined balancesin the NYCB Elite Gold relatonship to waive monthly fee. Those not enrolled in NYCB Bite willearn 2.05% APY on the 7-Month CD, 2.25% APY on the 12-Month CD or 2.45% APY on the18-Month CD.Offer may be withdrawn at the discretion of the bank at any time©2018 New York Community Bank

Date: June 10, 2018

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SUMMER NYCB ELITE RATES 7-MONTH CD 12-MONTH CD 215% 236% 18-MONTH CD500nmum to open and earn interest. Get these great rates when you enroll in NYCB Elite, link your CD to a new or existing NYCB Elite Gold Checking APYaccount and maintain $100,000 or more in combined balances? Relax this summer with a CD that fits your need:s! 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 earn the stated APY is $500. The interest rate remains foxed until maturity. A penalty may be imposed for withdrawals before maturity. Fees could reduce eamings. The Promotional CDs must be openecd with new money not currently on deposit with the Bank. To earn 2.15% APY on the 7-Month CD, 2.36% APY on the 12-Month CD or 2.55% APY on the 18-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 relatonship to waive monthly fee. Those not enrolled in NYCB Bite will earn 2.05% APY on the 7-Month CD, 2.25% APY on the 12-Month CD or 2.45% APY on the 18-Month CD. Offer may be withdrawn at the discretion of the bank at any time ©2018 New York Community Bank

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