Annual Percentage Yield (APY)	Interest Rate	Minimum Average Daily Balance To Earn this Rate
	Step-Above Checking*	None	None	$0 - $4,999.99
		1.500%	1.490%	$5,000.00 - $9,999,99
		2.250%	2.225%	$10,000.00 - $24,999.99
		2.750%	2.713%	$25,000.00 - $49,999.99
		3.000%	2.956%	$50,000.00 - $249,999.99
		3.250%	3.198%	$250,000.00 and above
	Standard Choice Checking	None	None	None
	Golden Age Checking*	0.501%	0.500%	No minimum
	Standard Money Market*	None	None	$0 - $2,499.99
		0.753%	0.750%	$2,500.00 - $9,999.99
		1.010%	1.000%	$10,000.00 and above
	Business Elite Checking	None	None	None
	Business Elite Money Market*	None	None	$0 - $2,499.99
		0.753%	0.750%	$2,500 - $9,999.99
		1.010%	1.000%	$10,000.00 and above
	Step-Above Savings*	None	None	$0 - $4,999.99
		1.500%	1.490%	$5,000.00 - $9,999.99
		2.250%	2.225%	$10,000.00 - $24,999.99
		2.750%	2.713%	$25,000.00 - $49,999.99
		3.000%	2.956%	$50,000 and above
	Statement Savings*	3.850%	3.778%	$0 - $99.99
		3.850%	3.778%	$100.00 and above
	KIC (Kids in Charge) Savings*	3.000%	2.956%	$1 and up
	Business Step Above Savings*	None	None	$0 - $4,999.99
		1.500%	1.490%	$5,000.00 - $9,999.99
		2.250%	2.225%	$10,000.00 to $24,999
		2.750%	2.713%	$25,000 to $49,999
		2.750%	2.713%	$50,000 and above
* Variable Rate Account. Interest Rate and Annual Percentage Yield subject to change at any time. Fees may reduce earnings.

		Annual Percentage Yield (APY)	Interest Rate	Minimum Deposit To Open
	4 Week Certificate of Deposit	2.500%	2.469%	$1,000.00
	13 Week Certificate of Deposit	2.750%	2.713%	$1,000.00
	26 Week Certificate of Deposit	2.750%	2.713%	$1,000.00
	39 Week Certificate of Deposit	2.750%	2.713%	$1,000.00
	52 Week Certficate of Deposit	3.405%	3.392%	$1,000.00
	24 Month Certificate of Deposit	3.650%	3.585%	$1,000.00
	36 Month Certificate of Deposit	4.000%	3.922%	$1,000.00
	48 Month Certificate of Deposit	4.125%	4.042%	$1,000.00
	60 Month Certificate of Deposit	4.500%	4.402%	$1,000.00
* Fees may reduce earnings.

		Amount	Approximate Term	Annual Percentage Rate (APR)*	Monthly Payment per $1,000 Borrowed
	Home Equity Loan	$10,000 Minimum	5 Years	5.75%	$19.22
		$10,000 Minimum	7 Years	5.85%	$14.54
		$10,000 Minimum	10 Years	5.99%	$11.10
		$10,000 Minimum	15 Years	6.99%	$8.98
		$10,000 Minimum	20 Years	7.25%	$7.90
	Home Equity Line of Credit	$10,000 Minimum	30 Years	5.00%	$4.17***
	New Auto	$10,000 Minimum	3 Years	5.99%	$30.44
		$10,000 Minimum	4 Years	6.49%	$23.73
		$10,000 Minimum	5 Years	6.74%	$19.69
	Used Auto	N/A	4 Years	6.74%	$29.55
		N/A	3 Years	6.49%	$30.67
		N/A	5 Years	6.99%	$19.81
	Personal Unsecured	N/A	Up to 2 Years	14.00%	$48.05
	Personal Secured - SRVB Deposit Account	N/A	Up to 7 Years	Deposit Rate plus 2.00%	Variable
	Personal Secured - Marketable Securities	N/A	Up to 7 Years	Wall Street Journal Prime plus 1.00%	Variable
	Step Above Protection	N/A	0 Years	12.00%	$147.78

- Interest Rates, Annual Percentage Yields, Annual Percentage Rates and all deposit and loan conditions effective as of 7/29/2008.

* - Stated Annual Percentage Rates are in effect for accounts that have automatic payments deducted from a Saddle River Valley Bank deposit account. For accounts that do not have automatic payments, the stated APRs will be .25% higher.

** - Home Equity Line of Credit is a 10 year, interest only draw period, followed by a 20 year fully amortizing term out period for a total term of 30 years.

*** - Home Equity Line of Credit is priced at Wall Street Journal Prime Rate minus 1.00% floating with a lifetime floor of 5.00%. Home Equity Line of Credit is a variable rate product. Lifetime APR will not exceed 16.0%.