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FLEXTERM CERTIFICATE OF DEPOSIT

24 month term CDNo penalty after 12 months

Available as an IRA CD

2.05%APY*

PRE-OPENING SPECIAL OFFER OF OUR TWO NEW BANKING CENTERS | AVAILABLE FOR A LIMITED TIME

*Promotional Annual Percentage Yield (APY) of 2.05% is e�ective February 2, 2018 and is o�ered for FLEXTERM certi�cate of deposit (CD) accounts with a term of 24 months opened during the promotional period. A minimum opening balance of $1,000 is required to earn interest and to obtain the promotional APY. No penalty will be imposed on the 24 month FLEXTERM CD if withdrawal occurs after 12 months from opening date. A penalty may be imposed for early withdrawal of funds prior to 12 months. Only one withdrawal permitted after the 12 month period. Maximum balance allowed per product and per customer is $500,000. Funds currently on deposit with Empire State Bank do not qualify for the stated promotional APY. Interest is compounded daily and paid monthly. A withdrawal will reduce earnings. The promotion is subject to change at any time without notice.

Introducing Empire State Bank’s FLEXTERM Certi�cate of Deposit

Unlike traditional CDs, that lock you in for the full term, our FLEXTERM CD provides you with a secure rate and the �exibilty to unlock the CD after 12 months and take advantage of changing rates.

For more information stop by your local community Banking Center or call us today!Newburgh | 68 North Plank Road, Newburgh, NY 11209 | (845) 561-0003 Staten Island | 1361 North Railroad Avenue, Staten Island, NY 10306 | (718) 351-0590 Brooklyn | 8701 Third Avenue, Brooklyn, NY 11209 | (347) 695-9040

New Locations Opening SoonBrooklyn | 6923 18th Avenue, Brooklyn, NY 11204 Staten Island | 1698 Victory Boulevard, Staten Island, NY 10314