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\\Money Market Fund interest rates can fluctuate; our time deposit account rates can%u2019t.Unlike Money Market Funds, your interest and principal are insured. Your high rate ofreturn is guaranteed when held to maturityAnd there%u2019s a new modestf penalty for early withdrawal.Here%u2019s the long and short of it:Long-term rates on deposits as little as Short-term rates on deposits of only$500. Guarantee yourself high money market rates on amounts from $500, regardless of future economic conditions, by opening a 4 to 8-Year Time Deposit Account.Remember, money market funds can fluctuate, and there is always the danger that you can lose part of your principal. But, at The Greater, your principal and interest are fully insured and you are absolutely guaranteed the highest interest allowed by law on your investment when held to maturity.Rate Effective: December 1 through December 31You depositAt the end of (4) years** you haveAt the end of (8) years** you have$ 500 $ 745.72 $ 1,112.211,000 1,491.45 2,224.415,000 7,457.23 11,122.0610,000 14,914.46 22,244.1240,000 59,657.84 88,976.48*Rate is based on the average 4 year yield of U.S. Treasury Securities less 1%.**Figure the average annual yield on this return. Compare it to current money market returns and remember%u2014We guarantee it!$100,000 Call us for today%u2019s rateor more (212) 752-5900 Ext. 226,279$5,000 and up. If you are hesitant to commit your funds over a long period you can deposit your money in a 26-Week Time Deposit Account and earn the highest interest allowed by law.You deposit in multiples of $1,000 any amount between $5,000 to $10,000. Then we loan you the difference between your amount and$10,000. You earn 11.767% on your initial deposit, and 9.25% on the amount we lend you, which is 1% less than the 10.25% Annual Percentage Rate we charge you.Deposits of $10,000 or more earn the full 12.325%? which is the effective annual yield on 11.767%.Rate Effective: December 6 through December 12You deposit We lend youAt Maturity you have ($)Effective Rate of Return$5,000 $5,000 $5,276.41 10.935%6,000 4,000 6,340.11 11.212%7,000 3.000 7,403.81 11.411%8,000 2.000 8,467.49 11.559%9,000 1,000 9,531.19 11.675%10,000 -0- 10,594.89 11.767%* Federal regulations prohibit compounding interest on these accounts Premature withdrawals are not permitted on initial deposits of less than $10,000 except upon the death or incompetency of the depositor.IRA and Keogh Accounts are not eligible for participation when initial deposit is less than $10,000.tPremature withdrawals are not permitted without the consent of the Savings Bank. On permitted premature withdrawals, 3 months interest must be forfeited on time deposits with maturities of one year or less and six months interest is forfeited on time deposits with maturities of more than one year. Premature withdrawals without penalty are always permitted if a depositor dies or is declared incompetent.++The interest rate is an annual equivalent rate. To earn the yield mentioned above your 26-Week Time Deposit Account, if available at maturity, would have to be renewed at an identical rate. Such rate may be higher or lower at maturity.%u00a3-Th%u00ab Greater N%u00ab* Yorit Savings BankHie GreaterNew York S avin gs BankIn Brooklyn: Fifth Ave., 9th and iUtn S>tS . ll