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Overview
Certificate of Deposit as of May 14, 2008
    
  Minimum to Open and Earn APY Interest Rate* Annual Percentage Yield (APY)*
6 Month $2,500 1.88% 1.90%
9 Month $1,000 2.33% 2.35%
12-23 Month $1,000 2.37% 2.40%
15 Month $1,000 2.37% 2.40%
18 Month $1,000 2.47% 2.50%
19 Month*** $1,000 2.47% 2.50%
24-35 Month $1,000 2.72% 2.75%
30 Month** Step-Up $1,000 2.76% 2.80%
36-59 Month $1,000 2.76% 2.80%
60 Month $1,000 2.76% 2.80%
24-60 Month
Variable*
$500 2.72% 2.75%
Penalty for early withdrawal.
*Rate may change after account opening. Fees may reduce earnings and are subject to change without notice.
**Special rate and "step-up" offer vaild for a limited time only. One Step-Up is to the then 30 month CD interest rate. Program subject to change without notice. Substantial penalty for early withdrawal.
***Upon maturity 19 month CD will renew to the then current 18 month CD interest rate.

Retirement CD as of May 14, 2008
    
  Minimum to Open and Earn APY Interest Rate* Annual Percentage Yield (APY)*
6 Month $500 1.88% 1.90%
9 Month $500 2.33% 2.35%
12-23 Month $500 2.37% 2.40%
15 Month $500 2.37% 2.40%
18 Month $500 2.47% 2.50%
19 Month *** $500 2.47% 2.50%
24-35 Month $500 2.72% 2.75%
30 Month Step-Up** $500 2.76% 2.80%
36-59 Month $500 2.76% 2.80%
60 Month Fixed $500 2.76% 2.80%
24-60 Month
Variable*
$100 2.72% 2.75%
20 Months Rate Lock**** $25,000 2.72% 2.75%

Penalty for early withdrawal.
*Rate may change after account opening. Fees may reduce earnings and are subject to change without notice.
**Special rate and "step-up" offer vaild for a limited time only. One Step-Up is to the then 30 month CD interest rate. Program subject to change without notice. Substantial penalty for early withdrawal.
***Upon maturity 19 month CD will renew to the then current 18 month CD interest rate.
****New money from Trustee Transfers and direct rollovers to EBSB. Upon maturity CD will renew to the then current 18 month term and rate.

 


Statement, Passbook, Retirement & Meridian Statement Savings as of May 14, 2008
     Minimum to open $50
    
Balances From To Interest Rate* Annual Percentage Yield (APY)*
$0.00 $999.99 0.25% 0.25%
$1,000.00 $2,499.99 0.25% 0.25%
$2,500.00 $9,999.99 0.75% 0.75%
$10,000.00 $24,999.99 1.00% 1.00%
$25,000.00 $49,999.99 1.20% 1.21%
$50,000.00 Over 1.50% 1.51%
*Rate may change after account opening. Fees may reduce
earnings and are subject to change without notice.

Champion's Choice Platinum Checking
as of May 14, 2008
     Minimum to open $50
    
Balances From Interest Rate* Annual Percentage Yield (APY)*
$10.00 & Over 1.98% 2.00%
*Rate may change after account opening.
*Fees may reduce earnings and are subject to change without notice.

Meridian Gold Plus Checking as of
May 14, 2008
     Minimum to open $50
    
Balances From To Interest Rate* Annual Percentage Yield (APY)*
$0.00 $999.99 0.25% 0.25%
$1,000.00 $2,499.99 0.25% 0.25%
$2,500.00 $9,999.99 0.50% 0.50%
$10,000.00 $24,999.99 0.75% 0.75%
$25,000.00 Over 0.75% 0.75%
*Rate may change after account opening.
Fees may reduce earnings and are subject to change without notice.

Money Market Account as of May 14, 2008
     Minimum to open $2,500
    
Balances From To Interest Rate* Annual Percentage Yield (APY)*
$10.00 $2,499.99 0.25% 0.25%
$2,500.00 $24,999.99 1.74% 1.75%
$25,000.00 $49,999.99 1.98% 2.00%
$50,000.00 $99,999.99 2.37% 2.40%
$100,000.00 $249,999.99 2.57% 2.60%
$250,000.00 Over 2.76% 2.80%
*Rate may change after account opening.
*Fees may reduce earnings and are subject to change without notice.


Please see any Sales & Service Representative to open a new account. For Fixed Rate Certificates of Deposit, rates are guaranteed for the length of the specified term. Early withdrawal penalties will be imposed. For all other accounts, rates may change after the account is opened. Fees could reduce the earnings on these accounts and are subject to change without notice.


Member FDIC. Member DIF. Equal Housing Lender. Equal Opportunity Lender.

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