Loans	Terms	Fixed Rate APR
New Car/Boat	Up to 60 Months	3.00%
Used Car/Boat - 2008-2011 Model Years	Up to 60 Months	3.75%
Used Car/Boat  - 2007 & Older	Up to 36 Months	7.25%
Visa Credit Card	Purchases & Cash Advances	12.90%
Share Secured Loan	Up to 36 Months	5.00%
Personal Loan - SALE LIMITED TIME OFFER	Varies	*7.99%
Debt Consolidation
Less Than $5,000	Up to 36 Months	12.90%
$5,001 to $15,000	Up to 60 Months	14.00%
Line-Of-Credit	Up to 36 Months	14.00%
Home Equity Loans
Home Equity Line-of-Credit- Variable Rate*		Prime
Principal & Interest	Less than $30,000	Prime +1.00
Principal & Interest	Greater than $30,001	Prime
Interest Only	Greater than $30,001	Prime
Home Equity -  Fixed Rate Loans**
Up to $30,000 with LTV < 80%	Up to 84 Months	4.50%
$30,000 to $50,000 with LTV <80%	Up to 120 Months	4.75%
Up to $30,000 with LTV >80% to 100%	Up to 84 Months	Call  for  details
First Mortgages	Call 914-253-2057 or 914-253-2066	Rates change daily

*The annual perccentage rate may increase after consummation of the loan.

**Monthly repayment amounts of Fixed Rate Home Equity Loans as follows:
84 monthly payments of $14.98 per $1,000 borrowed at an annual percentage rate of 6.75%.
120 monthly payments of $11.50 per $1,000 borrowed at an annual percentage rate of 6.75%.
84 monthly payments of $15.48 per $1,000 borrowed at an annual percentage rate of 7.75%.

Regular savings, holiday, vacation and escrow accounts. Rates to be paid December 31, 2011	Minimum Balance	Dividend Rate	APY*
	$0.00-$14.99	0.00%	0.00%
	$15.00-$2,499.99	.10%	.10%
	$2,500.00-$9,999.99	.15%	.15%
	$10,000.00-$24,999.99	.25%	.25%
	$25,000.00-$49,999.99	.40%	.40%
	$50,000.00-$99,999.99	.40%	.40%
	$100,000.00 or More	.50%	.50%

*APY = Annual Percentage Yield
Rates based on average daily balances throughout the semi-annual dividend period ending 06/30/11.