Hudson City Savings Bank

“Best-Managed Bank of 2007” —Forbes Why settle for less when we offer so much more? Because our costs are lower than almost any bank in the country, we’re able to consistently pay some of the highest deposit yields in the metropolitan area. Bank on Better ValuesTMby visiting one of our convenient branches. For more information call 201.967.1900 or visit www.hudsoncitysavingsbank.com. Higher Deposit Yields Lower Fees Competitive Mortgage Rates Annual Percentage Yield (APY) as of 05/02/08. *Minimum CD balance $500. Substantial penalties for early withdrawal. **Minimum opening deposit $10,000. Balance tiers and variable interest rates are: $10 – $24,999 = 1.50% APY; $25,000 and up = 3.30% APY. Variable rate account, interest compounded daily and paid monthly. Federal regulations limit third-party payments and internal transfers. Fees may reduce earnings. $10 monthly fee on balances below $10,000. Current Funds Availability Schedule applies for deposited items. Interest rates are subject to change without notice. 3.30% Money Market Checking** APY 3.20% 91-Day CD* ($500 minimum balance) APY 3.00% 6-month CD* ($500 minimum balance) APY MEMBER FDIC 120 IF SOMEONE WANTED TO GIVE YOU MONEY, WOULD YOU REFUSE IT? New Rates <WEBSITE>www.HudsonCitySavingsBank.com</WEBSITE>