Annual Percentage Yield (APY)	Interest Rate	Minimum Average Daily Balance To Earn this Rate
	Step-Above Checking*	None	None	$0 - $4,999.99
		0.250%	0.250%	$5,000.00 - $24,999.99
		0.300%	0.300%	$25,000.00 and above
	Standard Choice Checking	None	None	None
	Golden Age Checking*	0.500%	0.499%	No minimum
	Standard Money Market*	0.500%	0.499%	$0 - $4,999.99
		0.550%	0.548%	$5,000.00 and above
	Business Elite Checking	None	None	None
	Business Elite Money Market*	0.500%	0.499%	$0 - $4,999.99
		0.550%	0.548%	$5,000.00 and above
	Statement Savings*	0.500%	0.499%	$1.00 and above
	KIC (Kids in Charge) Savings*	0.800%	0.797%	$1.00 and above
	Business Step Above Savings*	None	None	$0 - $4,999.99
		0.500%	0.499%	$5,000.00 - $24,999.99
		0.550%	0.548%	$25,000 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
	6 Month CD	0.550%	0.548%	$500
	9 Month CD	0.550%	0.548%	$500
	12 Month CD	0.750%	0.747%	$500
	24 Month CD	1.100%	1.094%	$500
	36 Month CD	1.350%	1.341%	$500
	60 Month CD	1.900%	1.882%	$500
* 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	4.99%	$18.87
		$10,000 Minimum	7 Years	5.25%	$14.25
		$10,000 Minimum	10 Years	5.55%	$10.88
		$10,000 Minimum	15 Years	5.75%	$8.30
		$10,000 Minimum	20 Years	6.00%	$7.16
		$10,000 Minimum	25 Years	6.25%	$6.60
		$10,000 Minimum	30 Years	6.50%	$6.32
	Home Equity Line of Credit	$10,000 Minimum	30 Years	3.25%	$2.71***
	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 3.00%	Variable
	Personal Secured - Marketable Securities	5% Interest Rate Floor	Up to 7 Years	Wall Street Journal Prime plus 1.00%	Variable
	Step Above Protection	N/A	3 Years	12.00%	$37.78

- Interest Rates, Annual Percentage Yields, Annual Percentage Rates and all deposit and loan conditions effective as of 2/16/2012.

* - 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 floating. Home Equity Line of Credit is a variable rate product. Lifetime APR will not exceed 16.0%.