• Checking & Savings
• CDs & IRAs
• Step Up Certificates of Deposit

Checking & Savings

• Interest Rates and Annual Percentage yields are effective 3-19-08
• The annual percentage yield may change after the account is opened
• Fees could reduce the earnings on the account

Account Type	Rate	APY (Annual Percentage Yield)	Minimum Balance to Obtain APY
Personal Regular Checking	N/A	N/A	N/A
Basic Banking Account	N/A	N/A	N/A
Senior Checking	N/A	N/A	N/A
Student Checking	N/A	N/A	N/A
Holiday Club Account	.75%	.75%	$3.00
N.O.W Checking	.50%	.50%	None
Statement Savings	.75%	.75%	$100.
Money Market Savings	1.24%	1.25%	None
Super Money Market Savings
$200,000 and up	1.98%	2.00%	200,000
$100,000 to $199,999.99	1.88%	1.90%	100,000
$25,000 to $99,999.99	1.49%	1.50%	$25,000
$.01 to 24,999.99	0.99%	1.00%	.01
Business Regular Checking	N/A	N/A	N/A
Small Business Checking	N/A	N/A	N/A

CDs & IRAs

Any Catskill Hudson Bank Certificate of Deposit account may be used as an IRA investment with a minimum opening deposit of $500.00

• Interest Rates and Annual Percentage Yields are effective 7-23-08.
• The interest rate will not change for term of the account
• The annual percentage yield assumes interest will remain on deposit until maturity
• We use the daily balance method to calculate the interest on the account
• A substantial penalty may be imposed for early withdrawal

Term	Rate	APY (Annual Percentage Yield)	Minimum Opening Deposit
92-182 day CD Under $100,000	2.28%	2.30%	$2,500.
183-364 day CD Under $100,000	2.37%	2.40%	$2,500.
12-23 month CD Under $100,000	2.66%	2.70%	$2,500.
24-35 month CD Under $100,000	2.96%	3.00%	$2,500.
36-47 month CD Under $100,000	3.54%	3.60%	$2,500.
48-60 month CD Under $100,000	3.92%	4.00%	$2,500.
**SPECIAL 5 month CD	4.03%	4.11%	$5,000.
**SPECIAL 13 month CD Under $250,000.	3.45%	3.51%	$5,000.

** Special 5 month CD requires new money. ** Special 13 month CD requires a CHB Checking or N.O.W. Account. ** This offer may be withdrawn at any time.

Step Up Certificates of Deposit

• Interest Rates and Annual Percentage Yields are effective 3-19-08.
• At your discretion, you may change the interest rate on the account based on the number of "steps” indicated in the original agreement.

Term	Rate	APY (Annual Percentage Yield)	Minimum Opening Deposit
11 month 1 Step CD	2.86%	2.90%	$5,000.
30 month 2 Step CD	2.96%	3.00%	$5,000.

• All deposit rates subject to change
• Interest is Compounded Daily
• We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
• Account disclosures available upon request
• Deposits are insured by the FDIC