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Mortgage & Consumer Loans RI Rates effective November 20, 2008  Fixed Rate Mortgage                                     or         Term RATE POINTS APR* REPAYMENT PER $100 15 YR Fixed 5.875% 0.000% 5.969% $8.37 20 YR Fixed 6.125% 0.000% 6.200% $7.24 30 YR Fixed 6.125% 0.000% 6.182% $6.08 15 YR Conv Portfolio Fixed RSB 6.500% 0.000% 6.557% $8.71 20 YR Conv Portfolio Fixed RSB 6.875% 0.000% 6.922% $7.68 30 YR Conv Portfolio Fixed RSB 6.875% 0.000% 6.911% $6.57 30 YR FHA TBW 6.375% 0.000% 6.433% $6.24 30 YR FIXED RSB CRA*** 5.990% 0.000% 6.024% $5.99 5/1 ARM ST 6.000% 0.000% 5.448% $6.00 7/1 ARM ST 6.375% 0.000% 5.764% $6.24 * APR=Annual Percentage Rate. APR assumes a Single Family Owner Occupied Purchase with 20% down payment. Rates may change daily. FHLMC conforming loan limits apply: 1 Unit $417,000,  2 Unit $533,850,  3Unit $645,300, 4 Unit $801,950. Additional rate lock terms and point options are available. ***30 Yr Fixed RSB CRA product must be in RSB's CRA are of Coventry   Adjustable Rate Mortgage                                         or      Term PLEASE CALL RESIDENTIAL LENDING FOR RATES AND TERMS * APR=Annual Percentage Rate. This is a variable rate loan. Rate based on a Single Family Owner Occupied Purchase with 20% minimum down payment . Rates may change daily. Caps of 2/6 on the 3/1  Term mortgages and Caps of 2/5 on the 5/1/, 7/1 , and the 10/1 Term mortgages. FHLMC conforming loan limits apply: One Unit $417,000, 2 Unit$533,650, 3 Unit $533,850, 4 Unit $801,950. ** 3/1  5/1  7/1  10/1 ARM Rates are based on the 1 Yr Libor rate. FHLMC conforming loan limits apply. All ARMs assume a 30 year Term.  Jumbo loans are available for all adjustable rate mortgages.   Equity One - Fixed Equity First Mortgage       or         Term Rate** Points APR * Repayment per $1,000 5 YR 6.250% .0.000 6.250% $19.45 10 YR 6.500% .0.000 6.500% $11.35 15 YR 6.750% .0.000 6.750% $8.85 20 YR 6.990% .0.000 6.990% $7.75 *APR=Annual Percentage Rate.  80% loan to value based on tax assessment  (over 50% LTV may require a full appraisal) 1-2 Unit Owner Occupied Property Only. No points and no closing costs.(if an appraisal is required there will be a $250 upfront fee to the borrower) Loan subject to a recovery of fees of up to $400 if paid off within the first 2 years. Minimum Loan Amount $50,000, Maximum $250,000. Rates are subject to change without notice. ** Rate reflects 1/4% rate reduction for automatic deduction from RSB Checking Account.  Fixed Rate Equity - 2nd Mortgage                     or     Term Rate** Points APR * Repayment  per $1,000 5 YR 6.625% no 6.625% $19.62 10 YR 6.750% no 6.750% $11.48 15 YR 7.000% no 7.000% $8.99 20 YR 7.250% no 7.250% $7.90 ** Rate reflects 1/4% rate reduction for automatic deduction from RSB Checking Account .*APR=Annual Percentage Rate.  80% loan to value based on tax assessment  if Randolph Savings holds first mortgage otherwise 75% CLTV(over 50% LTV may require a full appraisal).  1-2 Unit Owner Occupied property only. Minimum Loan Amount $20,000, Maximum $200,000. No points and no closing costs.(if an appraisal is required there will be a $250 upfront fee to the borrower) Loan subject to a recuperation fee of up to $400 if paid off within the first 2 years. Rates are subject to change without notice. Equity Line of Credit - Adjustable Rate                     Term Rate* Points APR* Closing Costs Repayment Terms ** see below *5.250 **5.000% no * 5.250 ** 5.000% no ** see below This is a variable rate loan. * APR=Annual Percentage Rate. Prime plus 0.75% for the life of the loan adjusted monthly. (15 yr interest only draw period 10 yr P & I) 1-2 Unit Owner Occupied. Property must be located in Lending Area to qualify. Up to 75% LTV based on tax assessment. (over 50% LTV may require a full appraisal) Up to 80% LTV allowed if RSB holds the first mortgage. No points and no closing costs. (if an appraisal is required there will be a $250 upfront fee to the borrower). Subject to a recuperation fee of up to $400 if paid off within the first 2 years. 80% of Real Estate Tax Assessment or AVM. Minimum Loan Amount $20,000, Maximum $250,000.  ** Rate reflects 1/4% reduction for automatic deduction from a RSB checking account. Rates are subject to change without notice. Initial reduced rate. The rate thereafter is the Wall Street Journal (WSJ) Prime Rate plus 0.750% for the life of the loan adjusted monthly.WSJ Prime Rate is currently 4.000%. Rate Cap:18%, Floor rate :5.250%. Minimum monthly payment will equal all accrued interest as of the closing date of the billing cycle plus 0.05% of outstanding balance of principal on the closing date of the billing cycle provided the principal payment shall not be less than $50.00 plus any amounts past due, after which the balance is amortized over 10 years. Auto Loan                                                                   Type Rate/APR Maximum LTV Maximum Term Repayment per $1,000 New Auto 6.375%* 95% of base purchase price or current NADA Average Retail Value (if available) 60 Months $19.51 Used Auto 6.750%* NADA Average Retail Value or 90% of Purchase (whichever is lower) 48 Months $23.84  * APR=Annual Percentage Rate. This rate reflects a one-half percent (.50%) reduction with automatic deduction from Randolph Savings checking. There will be a one-half (.50%) increase without automatic deduction from Randolph Savings checking. Other Consumer Loans                                             Type Rate/APR Maximum LTV Maximum Term Repayment per $1,000 Personal 13.75%* $7,500 48 Months $27.21 Access Plus Revolving Credit 6.00% above Prime, Current  Rate 10.00% $7,500 n/a n/a Savings  Secured Loan Deposit rate plus 3.00% 95% of balance n/a n/a Term Secured Deposit Rate  plus 3.00% 90% of balance n/a n/a  *APR=Annual Percentage Rate. This rate  reflects a one-half percent (.50%) reduction with an automatic deduction from a Randolph Savings Bank checking account. There will be a one-half (.50%) increase without automatic deduction from Randolph Savings checking. Rates may increase if deposit rate changes.         Home | Personal Banking | About RSB | Rates | Contact Us | Privacy Policy