MAKE SAVING YOURG AL215%2363,NYCB ELITE RATES12-MONTH CD24-MONTH cDAPY$500 minimum to open and to earn interest. Get thesegreat rates 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 balances?We have CDs to help reach your goals-open one today!myNYCB.com . (877) 786-6560OHIO SAVINGS BANKA Division ofNew 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 earnings. The Promotional CDs must be openedwith new money not currently on deposit with the BankTo earn 2.15% APY on the 12-Month CD or 2.36% APY on the 24-Month CD, 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 Those not enrolled in NYCB Elite wil eam 2.05% APY on the12-Month CD or 2.25% APY on the 24-Month CD.Offer may be withdrawn at the discretion of the bank at any time.C2018 New York Community Bank

Date: April 15, 2018

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MAKE SAVING YOUR G AL 215% 2363, NYCB ELITE RATES 12-MONTH CD 24-MONTH cD 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? We have CDs to help reach your goals-open one today! myNYCB.com . (877) 786-6560 OHIO SAVINGS BANK A Division ofNew 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 earnings. The Promotional CDs must be opened with new money not currently on deposit with the Bank To earn 2.15% APY on the 12-Month CD or 2.36% APY on the 24-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 wil eam 2.05% APY on the 12-Month CD or 2.25% APY on the 24-Month CD. Offer may be withdrawn at the discretion of the bank at any time. C2018 New York Community Bank