*500 minimum is required on all Certificates of Deposit

*91 Day is compounded at Maturity

** Compounded quarterly

ESB Financial uses the daily balance method to calculate interest on your account.

*91 Day CD
*182 Days to 11 Months
*12 to 17 Months
*18 to 23 Months
*24 to 29 Months
*30 to 35 Months
*36 to 47 Months
*48 Months
**60 Months
***18 Month Variable

*Available for IRA-$500
Minimum Deposit
91 Day compounded at Maturity
All others compounded quarterly

** Available ONLY for New Roth IRA-$2000.00 Limit

***$25 Minimum Deposit - Rate adjusted quarterly and
compounded quarterly

Maximum Contributions

Year	Amount
2005-2007	$4,000
2008 and beyond	$5,000, plus potential COLA increases in $500 increments beginning in 2009

Contributions may continue until the age of 70 ½ as long as you have earned income

Distributions may be taken penalty free after the age of 59 ½

Required distributions must begin at the age of 70 ½

One rollover per 12 month period is allowed and is reported to the IRS

Unlike rollovers, a transfer can occur any time and is not reported to the IRS