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Terms:

$50 offer is available to Members who open their first Free Checking or Premier Checking account only with a minimum of $50 deposit, and who obtain direct deposit by 7/16/11. The current base annual percentage yield for Premier Checking is 0.10% APY as of 3/1/11. Base APY is subject to change without notice. Fees may reduce earnings. Limit one offer per account. Offer expires 6/11/11. Cash bonuses will not be paid if direct deposit is not received by 7/16/11. Cash bonuses will be deposited to the new checking account by 8/5/11. The account must be open and in good standing at the time the $50 is deposited into the account. 2: Referring Members will receive $25 into their membership Daily Dividend account by 7/11/11 for each qualifying referred checking account opened by 6/11/11. The account must be open and in good standing at the time the $25 is deposited into the account. Employees of ESL Federal Credit Union and ESL Investment Services, LLC and their family members are not eligible to participate in this referral program. Referring member and member opening new checking account subject to all applicable taxes. 3: Unlimited, free transactions when using an ESL Visa® Check Card at an ESL ATM. Five free non-ESL ATM withdrawals per month per account with direct deposit or Premier Checking, however, the ATM owner may still charge a fee. 4: Qualification for the Owners Dividend is subject to eligibility requirements. Payment of a Dividend is not guaranteed. ESL reserves the right to withdraw these offers at any time. ESL is a registered service mark of ESL Federal Credit Union. Membership subject to eligibility.