What it offers:		Fixed Rate CDs Guaranteed return Competitive rates Terms from 6 to 60 months Automatic renewal Available to any U.S. resident Variable Rate CDs Fluctuates with market conditions Terms from 24 to 60 months Avaliable to any U.S. resident
What it costs:		Minimum to open: Fixed Rate CDs $2,500 for 6 month CDs $1,000 for 9, 12-23, 15, 18, 19***, 24-35, 36-59, 60 month CDs Variable Rate CDs $500 for 24-60 months* Step-Up Rate CDs $1,000 for 30 month**

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.

If you have any questions about East Boston Savings Bank's deposit products or services, please contact our Call Center at (800) 657-EBSB, or click "Contact Us" to e-mail Deposit Operations.