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The current base annual percentage yield for Premier Checking is 0.10% APY as of 10/06/09. Base APY is subject to change without notice. Referred member must open their first FREE Checking or Premier Checking account with a minimum deposit of $50 by 11/14/09. For each qualifying referral, referring member will receive deposit of $25 into their ESL Membership Daily Dividend account by 12/01/09. Employees of ESL Federal Credit Union and ESL Investment Services, LLC and their family members are not eligible to participate in this referral program. ESL reserves the right to withdraw this offer at any time. $25 or a Free $50 restaurant certificate offer is available to members who open their first Free Checking or Premier Checking account only, with a minimum deposit of $50. Selection of cash or restaurant certificate must be made at time of account opening. Limit one offer per account. Offer expires 11/14/09. Member will receive deposit of $25 into their new ESL Checking account by 12/01/09. Offer is available while supplies last. Restrictions to certificate offer may apply. Member subject to all applicable taxes. ESL Federal Credit Union reserves the right to substitute gifts of similar or equal value. ESL is a registered service mark of ESL Federal Credit Union. Membership subject to eligibility.