Current Interest Rates and Offerings

Minimum Loan Amount - $2,500. APR = Annual Percentage Rate. Information as of April 16, 2008. Rates and terms are subject to change without prior notice. All loans are subject to credit approval. Rates* reflect discount for automatic payment deduction from your Suffolk County National Bank (SCNB) checking or savings account. See examples below. Add .25% to stated rate if no automated payment deduction plan is established. The actual rate and payment may vary and are determined by the product, term, loan amount and your credit qualifications.

Product	Interest Rate/APR Up to 36 months	Interest Rate/APR Up to 48 months	Interest Rate/APR Up to 60 months
Personal/Motorcycle	9.50%	11.75%	12.15%

Example: If you borrow $10,000 on a personal or motorcycle loan for five (5) years and your payments are automatically deducted from your SCNB checking or savings account, our interest rate/APR of 12.40% is reduced to 12.15% and you will have sixty (60) monthly payments of $223.15.

Product	Interest Rate/APR Up to 36 months	Interest Rate/APR Up to 48 months	Interest Rate/APR Up to 60 months
New & Used Auto 2008/2007	6.10%	6.10%	6.10%
Used Auto 2006/2005	6.60%	6.60%	6.60%
Used Auto 2004 & Older	7.10%	7.10%	N/A

Example: If you borrow $15,000 on a 2007/2008 new or used auto loan for five (5) years and your payments are automatically deducted from your SCNB checking or savings account, our interest rate/APR of 6.35% is reduced to 6.10% and you will have sixty (60) monthly payments of $290.66.

Product	Interest Rate/APR Up to 10 years	Interest Rate/APR Up to 15 years
Manufactured Homes* in approved Manufactured (Mobile) Home Parks	7.250%	7.500%

Minimum Loan Amount: $25,000. Example: If you borrow $50,000 on a new/used manufactured home for fifteen (15) years at 7.500% interest rate/APR you will have one hundred eighty (180) monthly payments of $463.51. *Rates shown for Manufactured Homes are floor rates and no further discounts apply.

Product	Interest Rate/APR Up to 60 months	Interest Rate/APR Up to 120 months	Interest Rate/APR Up to 180 months
New Boat & Recreational Vehicle	6.50%	6.88%	7.13%
Used Boat & Recreational Vehicle	8.00%	8.38%	8.63%

Examples: New Boat or Recreational Vehicle - If you borrow $20,000 for five (5) years and your payments are automatically deducted from your SCNB checking or savings account, our interest rate/APR of 6.75% is reduced to 6.50% and you will have sixty (60) monthly payments of $391.29. Used Boat or Recreational Vehicle - If you borrow $20,000 for five (5) years and your payments are automatically deducted from your SCNB checking or savings account, our interest rate/APR of 8.25% is reduced to 8.00% and you will have sixty (60) monthly payments of $405.49.

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Overdraft Line of Credit (ADVANCHECK): Rate Information

Mortgage and Home Equity Loans: Rate Information

For rates and terms on other secured loans, please contact your local branch office.

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SCNB Organized 1890 SUBK