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RT02042016

FOR BREAKING NEWS VISIT www.qns.com february 4, 2016 • TIMES 5 STAY AHEAD OF THE MARKET WITH OUR 18-month variable rate CD. Rate is 0.60% above 6-month T-Bill. Interest compounds daily. No limit to additional deposits.** Withdraw earned interest anytime.*** Currently yielding 1.03%APY * Learn more at www.ridgewoodbank.com/stayahead or visit your local branch today. *Minimum deposit of $100 is required to open a certificate. Stated Annual Percentage Yield’s (APY’s) are effective as of February 1, 2016. Offer may be withdrawn at anytime. Early withdrawal penalties may apply. Fees may reduce earnings. Other fees and restrictions may apply. The annual percentage yield may change after the account is opened.**The minimum amount you can deposit is $20.00.***The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Offers subject to change and early termination without prior notice at any time. JORDAN M. ENDLER, ESQ. CD_18m_8.75X5.68_02.01.indd 1 2/1/16 4:11 PM Klemanowicz, Holmquist & Vande Stouwe, LLP Elder Law Attorney Call for a free 20 minute consultation on MEDICAID APPLICATIONS for AT-HOME CARE, ASSISTED LIVING & NURSING HOMES and PROTECTING YOUR HOME & SAVINGS FROM MEDICAID LIENS • MEDICAID APPLICATIONS • WILLS • LIVING WILLS • POWERS OF ATTORNEY • ELDER LAW • ESTATE PLANNING • TRUSTS • HEALTH CARE PROXIES • PROBATE 1-844-ELDER-NY


RT02042016
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