SureCredit
	Visa® and American Express® Credit Cards

Apple's SureCredit®....
....When You Want Money FAST But Don't Want to Pay More

Apple's SureCredit Products provide you with an instant, low-cost method of borrowing for personal needs of any kind. No personal financial information or credit bureau reports are required. And, there are no application fees or annual fees.

With SureCredit, you utilize your funds on deposit at Apple as collateral for your loan or line of credit much like homeowners utilize their home's equity. Borrow for your personal needs while still maintaining flexibility as to how you invest your funds at Apple Bank. Select any of our Time Deposit Accounts or Savings Accounts as your investment account. Even if you change the renewal terms of your Time Deposit Account at maturity, SureCredit remains available for any use. It's even a way to avoid early withdrawal penalties on your Time Deposit Account.

SureCredit offers three innovative ways to put your money to work for you at a low interest rate, while still building a credit history.

SureLoan®
A fixed term, fixed rate installment loan.

SureLine®
A fixed rate, overdraft line of credit

SureAccess®
A variable rate, revolving line of credit

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SureLoan

This fixed rate installment loan may be used for any purpose. Its flexible repayment terms mean you may take up to 72 months to repay, regardless of the type of account pledged as collateral. You choose the repayment method that best suits your needs. And, each installment payment you make decreases the hold against your pledged funds. Available repayment methods include:

- On demand in one lump sum for terms up to 12 months
or
- In monthly installments using a coupon payment book
or
- Through automatic monthly payment deductions from another Apple Bank account. Plus, the automatic payment option qualifies you for an additional .25% loan rate reduction.

The minimum loan amount is just $500, and is secured by one of your Apple Bank Savings or Time Deposit Accounts.

For current interest rates or for an application or more information you may visit a branch or call our CustomerLine at 1-914-902-2775.

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SureLine

This highly competitive, fixed rate overdraft line of credit may be used for virtually any purpose. Attached to your personal Apple ExtraValue Checking or GoldValue NOW Checking® Account, you only pay for the credit you actually use. And as you repay, the funds become available to use again and again. It's like having a cash reserve for life's little emergencies and will help to prevent you from overdrawing your checking account.

The minimum credit line available is $500, and is secured by one of your Apple Bank Savings or Time Deposit Accounts.

For current interest rates or for an application or more information...you may visit a branch or call our CustomerLine at 1-914-902-2775.

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SureAccess

If you do not want an installment loan or overdraft line of credit linked to your personal checking account, then SureAccess may be for you.

This revolving line of credit is similar to other personal lines of credit but it is NOT linked to a personal checking account. SureAccess is a separate line of credit with unlimited check writing privileges, no annual fee or per item fees. You are assured of having instant access to your funds at any time by simply writing a check. Pay for the credit you use, and as you repay, the funds become available to use again. SureAccess is secured by one or more of your Apple Savings or Time Deposit Accounts and can be established at any time.

The minimum line of credit is $1,000. Interest is variable and is subject to change on a quarterly basis. Your personalized checks are provided free of charge and can be written as frequently as you like, in any amount of $250 or more up to your available credit line.

SureLoan....SureLine...SureAccess*

If you have a qualifying account, your loan could be approved in just a few minutes. Speak with a customer service representative at any branch to apply or for more information about terms and rates. Or call us at 1-914-902-2775 or click here.

*The following Apple Accounts are not eligible as collateral credit: IRA, Keogh, SEP Retirement Accounts, Money Market Accounts and funds held in certain fiduciary capacities.

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Visa® and American Express® Credit Cards

Apple Bank offers a full line of credit card products to meet all borrowing needs. To learn more or to apply click here.

Your Apple ATM/Check Card is now protected by Verified by Visa -- it password protects your card for free. The next time you shop at participating online stores, enter the information requested to activate your Apple ATM/Check Card in order to complete the transaction. Your card will then have password protection whenever you shop online at participating stores. Activate right now by going to www.visa.com/shopandactivate.

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