1. The annual percentage yield (APY) for BestRate Checking accounts with Direct Deposit enrollment is 3.30%; without Direct Deposit enrollment is 2.75%. These respective APYs are guaranteed for three months after the account is opened. You must maintain an average balance of $5,000 for the statement cycle to receive the disclosed yields. If your average balance for the statement cycle falls below $5,000, the APY paid on the entire balance in your account will be 1.50%. The three month guarantee APY offer is valid for accounts opened on or before June 21, 2008. All APYs may change after guarantee period. Rates and offer are subject to change without notice.

2. The Annual Percentage Yield (APY) for the High Yielding Maximum Money Market account is as of March 31, 2008. Minimum opening deposit is $5,000. To qualify for the APY, a minimum daily balance of $5,000 must be maintained. High Yielding Maximum Money Market account daily balances under $5,000 will earn interest at 1.00% APY. The maximum balance is $250,000. Fees could reduce earnings. Other fees and restrictions apply. New deposits only. Funds cannot be transferred from an existing Flushing Savings Bank account. Rates and offer are subject to change without notice.

3. Rates in effect May 1, 2008. Annual percentage yield assumes principle and interest remain on deposit for a full year at current rate. Minimum deposit balance of $5,000.00 is required. A new checking account is required to open the CDs with the preferred rate. For IRA and rollover accounts, the minimum deposit balance is $1,000.00. A new checking account is not required for IRA accounts. New deposits only. Funds cannot be transferred from an existing Flushing Savings Bank account. Premature withdrawals may be subject to bank and IRS penalties. Rates and offer are subject to change without notice.