Kinderhook Bank

Deposit Rates - Checking Effective as of 03/09/10
		Minimum Deposit to Open / Earn APY*	Interest Rate	APY*
eFreedom Checking	$1 to $20,000.00	$100/ $1	2.48%	2.50%
	over $20,000.00		0.75%	0.75%
Freedom Checking		$100 / $1,000	0.10%	0.10%
Regular Money Market		$100/ $100
	$0 to $2,499.99	$2,500 / $1	0.10%	0.10%
	$2,500.00 and up	$2,500 / $2,500	0.50%	0.50%
Consumer Tiered Money Market	$0 to $2,499.99	$2,500 / $1	0.10%	0.10%
	$2,500 to $24,999.99	$2,500 / $2,500	0.25%	0.25%
	$25,000 to $49,999.99	$2,500 / $25,000	.65%	.65%
	$50,000 to $99,999.99	$2,500 / $50,000	.75%	.75%
	$100,000 and up	$2,500 / $100,000	.85%	.85%
Business Tiered Money Market	$0 to $9,999.99	$2,500 / $1	0.20%	0.20%
	$10,000 to $49,999.99	$2,500 / $10,000	0.60%	.60%
	$50,000.00 to $99,999.99	$2,500 / $50,000	.80%	.80%
	$100.000 to $499,999.99	$2,500 / $100,000	.99%	1.00%
	$500,000 to $999,999.99	$2,500 / $500,000	1.04%	1.05%
	$1,000,000 and up	$2,500 / $1,000,000	1.09%	1.10%
*APY - Annual Percentage Yield Fees may reduce earnings. Rates may change after account is opened. Further restrictions may apply.

Deposit Rates - Savings Effective as of 03/09/10
		Minimum Deposit to Open/Earn APY*	Interest Rates	APY*
Passbook		$50 / $1	0.35%	0.35%
Statement		$100 / $100	0.35%	0.35%
Christmas Club		$5 / $1	.995%	1.00%
Kid$kash Stmt Savings	$1 to $1,000	$5 / $1	2.96%	3.00%
	over $1,000		0.35%	0.35%
Money Market Savings Account Consumer / Business	$25,000 - $49,999.99	$25,000 / $25,000	.65%	.65%
	$50,000 - $99,999.99	$25,000 / $50,000	.84%	.84%
	$100,000 - $2,499,999	$25,000 / $100,000	1.09%	1.10%
	$2,500,000 and up	$25,000 / $100,000	1.14%	1.15%
*APY - Annual Percentage Yield Fees may reduce earnings. Rates may change after account is opened. Further restrictions may apply.

Certificates of Deposit* Effective as of 03/09/10
	Interest Rate	APY**
8 month tiered CD ($10,000 minimum opening deposit required)
$10,000 - $49,999.99	.84%	.85%
$50,000 - $99,999.99	.99%	1.00%
$100,000 & up	1.09%	1.10%

30 to 89 Days	0.35%	0.35%
90 to 179 Days	0.50%	0.50%
180 to 364 Days	.65%	.65%
9 Months	.75%	.75%
1 Year	.89%	.90%

18 Months	.89%	.90%

2 Years	1.34%	1.35%
3 Years	1.49%	1.50%
4 Years	1.83%	1.85%
* Penalty may be applied for early withdrawal. **APY - Annual Percentage Yield Minimum $500 deposit to open Certificate of Deposit. Fees may reduce earnings. Rates may change after account is opened. Further restrictions may apply.

IRAs Effective as of 03/09/10
	Minimum Deposit	Interest Rate	APY*
Traditional	$500	1.19%	1.20%
Roth	$500	1.19%	1.20%
ESA	$500	1.19%	1.20%
1 Year IRA Certificate of Deposit	$500	.89%	.90%
2 Year IRA Certificate of Deposit	$500	1.34%	1.35%
3 Year IRA Certificate of Deposit	$500	1.49%	1.50%
4 Year IRA Certificate of Deposit	$500	1.83%	1.85%
*APY - Annual Percentage Yield Note: Traditional, Roth and ESA IRA's are 18 mos. variable rate. Fees may reduce earnings. Rates may change after account is opened. Further restrictions may apply. Minimum deposit of $500 required for all IRA products.

Mortgages Effective as of 03/09/10
	Interest Rate	APR***
Mortgages

0+ to 15 years, 0 points	6.125%	6.147%
15 + to 20 years, 0 points	6.250%	6.263%
20 + years to 30 years, 0 points	6.375%*	6.385%
Jumbo Mortgages**
1 + to 15 years	6.625%	6.641%
15 + to 20 years	6.750%	6.763%
20 + to 30 years	6.875%	6.885%
Discount the above mortgage rates by .125% for bi-weekly payments with automatic-deduction arrangement. CONSTRUCTION TO PERMANENT LOANS (select one option): > Option 1: Charge 1.00% point with the rates shown above > Option 2: Charge a variable interest rate of Wall Street Journal Prime Lending Rate plus 1.50% during twelve month construction phase (Rate floor/minimum is 6.75% on loan amounts up to $417,000; Rate floor/ minimum on loan amounts exceeding $417,000 is 7.25%), followed by a fixed rate permanent mortgage from chart shown above. (Note: Wall Street Journal Prime Rate as of 12/16/08: 3.25%) * APR - Annual Percentage Rate JUMBO pricing to be used for mortgage loans exceeding $417,000 (single family). **SUPER JUMBO pricing to be used for rmortgage losns exceeding $600,000. Please contact the Loan Department (518)758-7101 to obtain rates and fees on all mortgage amounts in excess of $600,000. Please contact the Loan Department for 20-30 year Jumbo rates through RBMG/PHH.

Adjustable Rate Mortgages Effective as of 03/09/10
	Inital Rate	Points	Adj Cap	Life Cap	Margin	APR*
Conforming
1 Year ARM	5.625%	0.00	2.000%	6.000%	2.875%	5.723%
3/1 ARM	5.875%	0.00	2.000%	6.000%	2.875%	5.977%
5/1 ARM	6.125%	0.00	2.000%	6.000%	2.875%	6.231%
7/1 ARM	6.250%	0.00	2.000%	6.000%	2.875%	6.358%
Jumbo
1 Year ARM	6.250%	0.00	1.500%	6.000%	2.250%	6.358%
3/1 ARM	6.375%	0.00	1.750%	6.000%	2.250%	6.484%
5/1 ARM	6.625%	0.00	2.000%	6.000%	2.250%	6.738%
7/1 ARM	6.875%	0.00	2.000%	6.000%	2.250%	6.992%
*APR - Annual Percentage Rate Add .125% to the above adjustable rates for construction to permanent mortgage loans. Floor rate is the same as the initial rate. The index for all NUBK Adjustable Rate Mortgages is the One Year US Treasury Maturities. 1 Year US Treasury Maturities as of the week ending 03/05/10: 0.34% APRs assume a Loan to Value of 80% and a term of 30 years. Maximum Loan to Value is 95% for purchases of 1-2 Family Primary Residences and 1 Family Second Homes, with Private Mortgage Insurance. Rates are subject to change. The above rates up to $417,000 to be reduced by .125% for automatic deduction from NUBK deposit account and an additional .125% for direct deposit arrangements. For loan requests exceeding $417,000, reduce rates by .0625% for automatic deduction and .0625% for direct deposit arrangement.

Other Loans Effective 03/09/10
	Interest Rate with Auto-deduct / Without Auto-deduct	APRwith Auto-deduct / Without Auto-deduct**
Home Equity
Fixed up to 60 Months	6.625%* / 6.875%	6.625%* / 6.875%
Fixed up to 120 Months	6.875%* / 7.125%	6.875%* / 7.125%
Fixed up to 180 Months	7.125%* / 7.375%	7.125%* / 7.375%
Fixed up to 240 Months	7.375%* / 7.625%	7.375%* / 7.625%



Adjustable HELOCPromotion available until April 1, 2010 2.99% for 1st 12 months - 10 yr. access/15yr. repayment: Wall Street Journal Prime Lending Rate minus .25%, adjusted monthly. Floor Rate: 4.50%; Lifetime Cap: 14.50%; Interest only payments due during HELOC access period. The Prime Rate is 3.25% as of 12/16/08).

Time Notes
Unsecured	12.500%	12.673%
Stock Secured: Prime+.50%	Floor 5.75%	5.840%
CD Secured	3% above certificate rate
Passbook Secured	3% above savings rate
Automobile
New (2010-09) Up to 36 months	7.000%*	7.000%
New (2010-09) Up to 48 months	7.250%*	7.250%
New (2010-09) Up to 60 months (Min. loan $20,000)	7.500%*	7.500%
Used (2009 and earlier) Up to 36 months	7.750%*	7.750%
Used (2009 and earlier) Up to 48 months	8.250%*	8.250%
Used (2009 and earlier) Up to 60 months (Min. loan $20,000)	8.750%*	8.750%
Unsecured Installment
Up to 36 months	14.000%*	14.006%
Overdraft Line of Credit
Overdraft checking account loans	18.500%	18.751%
Credit Card
No annual fee Mastercard	12.9% effective 8/23/07
No annual fee VISA	12.9% effective 8/23/07
*APR - Annual Percentage Rate An additional reduction of .25% is given for automatic deduction from a NUBK deposit account. Note: All boats, ATV, tractor and snowmobile loans are .50% higher than auto loan rates. Rates are subject to change. Please contact the Loan Department for additional information.