Rates

Personal Accounts	Rate	APY	Minimum Balance	ATM	Internet	Fees
Elite Checking	0.25%	0.25%	$0	Free ATM Access	Yes	N/A
Esquire Bank Personal Checking	N/A	N/A	$1,000	Free ATM Access	Yes	$7.50 per month if daily avg. balance drops below the minimum.
Esquire Bank Basic Checking	N/A	N/A	None	Free ATM Access	Yes	$3.00 per month for the first 8 debits, $0.50 thereafter.
Esquire Bank Money Market Savings	1.14%	1.15%	$5,000	Free ATM Access	Yes	$15.00 per month if daily avg. balance drops below the minimum.
No checks. 6 free withdrawals, $25 for additional items. ATM withdrawals and ATM transfers are unlimited.

*Business Accounts*	*Rate*	*APY*	*Minimum Balance*	*ATM*	*Internet*	*Fees*
Esquire Bank Sole Practitioner Account	0.25%	0.25%	$2,500	Free ATM Access	Yes	$15.00 monthly fee if daily avg. balance drops below the minimum
Esquire Bank Business Money Market	1.14%	1.15%	$10,000	Free ATM Access	Yes	$15.00 monthly fee if daily avg. balance drops below the minimum.
No checks. 6 free withdrawals, $15 for additional items. ATM withdrawals and ATM transfers are unlimited.

Esquire Bank NY IOLA Checking	0.25%	0.25%	None	N/A	Yes	Charges do not apply.
Esquire Bank Professional Business	N/A	N/A	$2,500	Free ATM Access	Yes	$15.00 monthly fee if daily avg. balance drops below the minimum.
Esquire Bank Business Checking	N/A	N/A	$25,000	Free ATM Access	Yes	$25.00 monthly fee if daily avg. balance drops below the minimum.
Esquire Bank Business Checking with DepositExpress	N/A	N/A	$25,000	Free ATM Access	Yes	The first 90 days of fees waived. $25.00 monthly fee if daily avg. balance drops below the minimum.

*Certificates of Deposit*	*Rate*	*APY*	Minimum Balance	*ATM*	*Internet*	*Penalty*
3 Month	0.75%	0.75%	$500	No	No	30 days penalty
6 Month	1.00%	1.00%	$500	No	No	30 days penalty
1 Year	1.24%	1.25%	$500	No	No	90 days penalty
2 Year	1.49%	1.50%	$500	No	No	90 days penalty

Annual percentage yields are accurate as of 3/1/10. Rates and terms are subject to change and the rates on accounts other than a certificate of deposit (CD) may vary after the account is opened. Fees may reduce earnings. A penalty will be imposed on a CD for early withdrawal of principal.

Residential Mortgages	*Rate*	*APR*	*Maximum Balance*	*Rate Adjuster*	*LTV Required*
10 Year Fixed Rate	4.500%	4.580%	$417,000	N/A	N/A
15-Year Fixed Rate	4.500%	4.560%	$417,000	N/A	N/A
15-Year Fixed Rate Jumbo	4.875%	4.910%	$750,000	N/A	N/A
15-Year Fixed Rate Jumbo	4.875%	4.890%	$1,250,000	N/A	N/A
20-Year Fixed Rate	5.000%	5.050%	$417,000	N/A	N/A
30-Year Fixed Rate	5.875%	5.910%	$417,000	-.125%	<=50%
30-Year Fixed Rate Jumbo	5.750%	5.770%	$750,000	N/A	N/A
30-Year Fixed Rate Jumbo	5.750%	5.760%	$1,250,000	N/A	N/A
5/1 ARM* (For first five years) (For remaining term)	4.375% 5.000%	4.790%	$750,000	N/A	N/A
5/1 ARM Jumbo* (For first five years) (For remaining term)	4.500% 5.000%	4.830%	$1,250,000	N/A	N/A
7/1 ARM* (For first seven years) (For remaining term)	4.625% 5.000%	4.840%	$750,000	N/A	N/A
7/1 ARM Jumbo* (For first seven years) (For remaining term)	4.750% 5.000%	4.890%	$1,250,000	N/A	N/A
10/1 ARM* (For first ten years) (For remaining term)	4.875% 5.000%	4.940%	$750,000	N/A	N/A
10/1 ARM Jumbo* (For first ten years) (For remaining term)	4.875% 5.000%	4.930%	$1,250,000	N/A	N/A

*Rates may increase after closing. Rates shown for the "remaining term" are estimates. The actual interest rate will adjust periodically in accordance with the loan terms. 5/1 ARM and 5/1 ARM Jumbo: Margin 2.75%, CAPS 2/2/6, Floor Rate 5.00%. 7/1 ARM and 7/1 ARM Jumbo: Margin 2.75%, CAPS 5/2/5, Floor Rate 5.00%. 10/1 ARM and 10/1 ARM Jumbo: Margin 2.75%, CAPS 5/2/5, Floor Rate 5.00%. For first lien mortgages, payment amounts do not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

*Loan Type*	*Rate*	*APR*	Minimum to Maximum Balance	*ATM*	*Internet*
Home Equity Line of Credit*	Prime +1.00% Floor Rate 5.00%	5.000%	$25,000 to $250,000 Floor Rate 5.00%	N/A	No
Overdraft/LOC Personal	18.00%	18.00%	$1,000 to $25,000	Yes	Yes
Overdraft/LOC Business	Prime + 6.00%	N/A	$25,000 to $400,000 -- depending on approval	Yes	Yes
Commercial Real Estate	Call for Rates	N/A	$1,250,000	N/A	No
Standby Letter of Credit**	2% min. -- $2,000	N/A	$100,000 to $1,250,000	N/A	No

Rates are accurate as of 3/8/10. Rates are subject to change.
*Home Equity Line of Credit is a variable rate loan. 10 Year Draw-Interest Only/ 20 Year Repayment. Floor Rate 5.00%
Maximum Rate 18.00%. An early closure release fee may be charged to recover all costs incurred in originating your loan and may apply if you close your account within 36 months (not applicable in Texas.) Property insurance and the fee to release an existing mortgage may be required. Closing costs in New York can range from approximately $1,850 to $6,500, and vary based on the line amount, property location, and title insurance required.

**Determined by application, 2% negotiable with relationship. Full cash collateral.

All loans and lines of credit are subject to credit approval, verification, and collateral evaluation. Initial decision is subject to you meeting specific underwriting requirements and final approval will be based upon you satisfying those requirements. All loans and lines of credit are originated by Esquire Bank. Products not available in all states. Rates and terms are subject to change without notice.