MORTGAGE RATES
as of March 16, 2010 
                       
Adjustable Rate Mortgage Loans
                       
      Interest     Down         Cost/$1,000 
  Program   Rate Points APR Payment* Term Caps Margin Index*** Borrowed
   5/1 ARM 60 days 4.500% 0.000 4.206% 20% 360 2/4 2.75% CMT1 60 @ $5.07
  LOAN AMOUNTS UP TO $1.25 MILLION        
           
** Annual Percentage Rate (APR) for ARM loans may increase after consummation
*** CMT1=1 Year Treasury Constant Maturity
                       
Conventional Mortgage Loans
                       
      Interest     Down         Cost/$1,000 
  Program   Rate Points APR Payment* Term Caps Margin Index*** Borrowed
  30-Year Fixed  30 days 5.125% 0.000 5.154% 20% 360 – – – $5.44
  Conforming 30 days 5.000% 1.000 5.118% 20% 360 – – – $5.37
    30 days 4.875% 1.750 5.058% 20% 360 – – – $5.29
 
  15- Year Fixed  30 days 4.375% 0.000 4.420% 20% 180 – – – $7.59
  Conforming 30 days 4.250% 1.250 4.482% 20% 180 – – – $7.52
 
  Loan Limits:   1 Family $417,000 3 Family $645,300            
    2 Family $533,850 4 Family $801,950            
                       
  Lock Expiration Dates: Lock Period Expiration                
    30 days 04/15/10                
    45 days 04/30/10                
    60 days 05/15/10                
                       
* Lower Down Payments available with the payment of PMI
  Investment Property Fixed Rate Portfolio Loans add .50% to rate - Max. LTV 70%-1 point
  Rates subject to change without notice.
CONSUMER LOAN RATES
as of March 16, 2010 
           
Home Equity Loans
           
      Term   Monthly Cost Per 
Loan Type Loan Amounts (Mos.) APR $1,000 Borrowed
           
Line of Credit $20,000 - $200,000.00 240 4% - (FLOOR) N/A
  Variable Rate       Adjusts monthly based on Prime Rate  
           
Fixed Rate $25,000 - $200,000.00 60 6.250% $19.45
  $25,000 - $200,000.00 120 6.500% $11.35
  $25,000 - $200,000.00 180 6.625% $8.78
Home Equity Loans and Lines of Credit Require Property Insurance.      
           
Secured Loans
           
    Maximum Term   Monthly Cost Per 
Loan Type   Amount (Mos.) APR $1,000 Borrowed
           
New Auto Loan*   $30,000.00 48 6.375% $23.66
  (2010 & 2009 model year)   $30,000.00 60 6.500% $19.57
           
New Auto Loan - 100% Financing $35,000.00 60 7.500% $20.04
           
Used Auto Loan**   $20,000.00 48 6.625% $23.77
  (2004 through 2009 model years) $20,000.00 60 6.750% $19.68
           
Passbook Loan - Amortizing          
  Against Savings Acct.   90% of balance 60 3% above rate N/A
  Against CD Acct.   90% of balance remaining term of 3% above rate N/A
      CD minus 30 days    
           
Passbook Loan - Non-Amortizing        
  Against Savings Acct   90% of balance remaining term 3% above rate N/A
  Against CD Acct.   90% of balance remaining term of 3% above rate N/A
      CD minus 90 days    
           
Overdraft Line of Credit   $10,000.00 N/A 18.000% N/A
           
Unsecured Loans
           
    Maximum Term   Monthly Cost Per 
Loan Type   Amount (Mos.) APR $1,000 Borrowed
           
Personal Unsecured          
  With Easy Pay$   $10,000.00 24 12.250% $47.19
    $10,000.00 48 12.750% $26.70
  Without Easy Pay$   $10,000.00 24 12.750% $47.42
    $10,000.00 48 13.250% $26.95
           
* 20% down payment of purchase price required.      
** Maximum loan amount is 80% of Retail Value.        
$ Easy Pay is the automatic deduction of loan payments from a Hyde Park Savings Bank checking account.  
Hyde Park Savings Bank does not offer debt consolidation loans.      
Rates subject to change without notice.