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FOR BREAKING NEWS VISIT www.qns.com APRIL 28, 2016 • TIMES 11 Invites you to attend a Free Elder Law Seminar in your neighborhood at: MON. MAY 23, 2016 AT 11:30AM & 7:00PM LA LACONDA RESTAURANT 432 Graham Ave, Brooklyn NY TUES. MAY 24, 2016 AT 11:30AM EDISON PLACE 71-28 Cooper Ave, Glendale, NY and Call us at (718) 928-3355 to make a reservation. ATTEND ONE OF OUR FREE SEMINARS AND LEARN ABOUT ELDER LAW AND ESTATE PLANNING: HOW TO PROTECT YOUR HOME AND ASSETS FROM NURSING HOME BILLS AND LONG TERM CARE EXPENSES, HOW TO AVOID PROBATE, LIVING TRUSTS and more. Speaker: GIOVANNI P. SILVAGNI Giovanni P. Silvagni is an Elder Law Attorney with over 16 years of experience in the practice of Elder Law, Estate Planning and Estate Administration. He will be discussing the importance of planning to protect you and your family. 69-17 Myrtle Avenue, Glendale, New York, 11385 172 Gravesend Neck Road, Brooklyn New York, 11223 (718) 928 - 3355 ATTORNEY ADVERTISING Call Now & End Your Tax Nightmare! • Owe the IRS more than $10,000? • Being Audited? • Unfi led Tax Returns? • Wage & Bank Levies? Co-Author of the best selling book “Breaking the Tax Code” (T) 877-TAX-1040 (F) 718-894-4476 Salvatore P. Candela, EA, ATA, ABA Enrolled Agent - Tax Advisor scandela@thetaxadvocategroup.com www.thetaxadvocategroup.com GROW 13–18 WITH THE MONTHS 1.11% INTEREST RATE1 MONTHS 7–12 0.81% INTEREST RATE1 TIME TO NYCBSTEP CD MONTHS 1–6 1.11% APY1 18-MONTH NYCB STEP-UP CD $2,500 minimum to open and earn interest At Months 7 and 13: • Interest rate automatically increases. • Flexibility to withdraw all or part of the funds without penalty2. ENROLL IN NYCB ELITE AND GET THIS GREAT RATE: Link your NYCB Step-Up CD to a new or existing NYCB Elite Gold Checking account and maintain $100,000 or more in combined balances3. myNYCB.com • (877) 786-6560 1.40% INTEREST RATE1 1 Annual Percentage Yield (APY) above is accurate as of date of publication and is subject to change without notice. The interest rate increases after each six-month Interest Rate Time Period on the anniversary of the account opening. The interest rates for all three six-month Interest Rate Time Periods are established at account opening and fixed during the full 18-month term. Fees could reduce earnings. The minimum balance to open and earn the above stated APY for the promotional CD is $2,500. In order to qualify for the above APY, the CD must be opened with new money not currently on deposit with the Bank and enrollment in NYCB Elite is required. Those not enrolled in NYCB Elite will earn 1.01% APY and the Interest Rate for each Interest Rate Period will be as follows: Months 1-6, 0.71%; Months 7-12, 1.01%; Months 13-18, 1.30%. 2 A penalty may be imposed for withdrawals before maturity. The penalty will be waived if the withdrawal is made within the first seven (7) calendar days after the start of a new six-month Interest Rate Time Period. 3 NYCB Elite Gold Checking account minimum to open is $5,000. NYCB Elite Relationship Terms and Conditions apply. Not available for non-profit or business accounts. Maintain $100,000 or more in combined balances in the NYCB Elite relationship to waive monthly fee. Ask a bank representative for details. Offer may be withdrawn at the discretion of the bank at any time. The bank is not responsible for typographical errors. ©2016 New York Community Bank


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