|Money Market Products||Description||Rate||APY||Effective Date|
|Money Market||Average Balance from $1,000 - $24,999||0.05%||0.05%||04/01/11|
|Average Balance from $25,000 +||0.10%||0.10%||04/01/11|
|Greater Hudson Money Market||Average Balance from $0 - $99,999||.60%||.60%||01/04/13|
|Average Balance from $100,000 and up||0.05%||0.05%||02/10/12|
1 All rates are subject to change without notice.
APY Annual Percentage Yield.
* Fees may reduce the earnings on the account.
** A penalty may be imposed for early withdrawal.
***Transaction limits apply. Under federal regulations, you are allowed up to six pre-authorized withdrawals per monthly statement cycle, including telephone or electronic transfers. There is no limit on deposits or the number of withdrawals you can make by mail or at a branch.