Rates effective 10/10/08

Consumer Loan Rates
Loan Type	Number of Payments	Rate of Interest	Annual Percentage Rate*	Payment per $1,000
Premium Home Equity Line of Credit** (with LTV's up 80% and Loan Amounts over $75,000)	120 Months	3.500%	3.500%	$7.92
Fixed Home Equity Loans(with LTV's up to 80%)	60 Months	5.875%	5.875%	$19.28
	120 Months	6.125%	6.125%	$11.17
	180 Months	6.250%	6.250%	$8.58
	240 Months	6.625%	6.625%	$7.53
	360 Months	6.875%	6.875%	$6.57
Secured Personal Loans (secured with real estate)	60 Months	9.000%	9.648%	$20.76
	120 Months	9.500%	9.858%	$12.94
Unsecured Personal Loans	60 Months	14.625%	14.852%	$23.60
Vehicle Loans
2008 New Models	60 Months	6.740%	6.950%	$19.68
	72 Months	7.740%	7.919%	$17.41
Vehicle Loans
Used 2008 through 2006 Models	60 Months	7.300%	7.511%	$19.95
Used 2005 through 2003 Models	60 Months	8.550%	8.763%	$20.55
Personal Line of Credit, and Overdraft Protection are also available. Please call for rates and terms.
*Annual Percentage Rate: All APR's identified above assume a sample transaction with a $10,000 loan amount at the term identified. NOTE: The above interest rates / APR's reflect the reduction for automatic payment from an ESB Bank deposit account. Payments assume a loan amount of $1,000. **Annual percentage rate may vary and can adjust on a daily basis. Maximum interest rate adjustment possible is 18%. Homeowner's insurance required. An annual fee of $50.00 will be charged. Consult a tax advisor regarding the deductibility of interest. Paying the minimum monthly payment will result in a balloon payment at maturity. If this loan is paid off within 36 months, fees of approximately $175.00 will be charged and added to your loan payoff. Effective date is October 9, 2008. All rates are subject to change.
Any questions please contact us.

First Lien, Single Family, Owner Occupied Properties Only
Term	Loan Amount	Interest Rate (%)	Fee (%)	APR (%)*	PMT/$1,000
15 Yr Conforming	Up to $417,000	5.500	0.000	5.632	$8.18
15 Yr Jumbo	$417,000 to $750,000	6.000	0.000	6.032	$8.44
30 Yr Conforming	Up to $417,000	6.000	0.000	6.084	$6.00
30 Yr Jumbo	$417,000 to $750,000	6.500	0.000	6.583	$6.33
3/3 ARM	Up to $417,000	4.625	0.000	4.875	$5.15
5/1 ARM	Up to $417,000	5.125	0.000	5.202	$5.45
7/1 ARM	Up to $417,000	5.250	0.000	5.328	$5.53
	Note: The above interest rate/APR reflect the .125 reduction for automatic payment from an ESB Bank deposit account.

*Annual Percentage Rate:  All APR's identified above assume a sample transaction with a $100,000 loan amount at the fee and the term identified.  If the term is not identified, a 30 year term is assumed.  Adjustable Rate Mortgage interest rates may be increased after consummation of the loan.

Call 1-888-372-6678 for updated interest rates or information on construction loans, 1-4 family residential investment loans and interest rate quotes on loans greater than $750,000.

For current mortgage interest rates on home purchases or to refinance your existing mortgage, Click Here.

All rates subject to change.

Any questions please contact us.

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