New customers only. APR=Annual Percentage Rate. Property must be an owner-occupied 1- to 4-family home in New Jersey. Application Fee for lines above $150,000: $175 (1 family), $325 (2-4 family). Application Fee for Investment Property lines up to $100,000 is $175. Application Fee for Investment Property lines above $100,000: $275 (1 family), $475 (2-4 family). Additional fees may apply for lines above $250,000. Conversion Fee of $75 ($125 in the first year); Closing Fee of $100 (waived if minimum draw requirements are met). Early Termination Fee if line is closed within the first 24 months: $300 (lines up to $100,000) or $500 (lines above $100,000). *Rate is the Prime Rate as published in The Wall Street Journal as of the final business day of the month PLUS 0.00% (**Prime +1% for Investment Properties with a Floor Rate of 6%) subject to a floor rate of 3.75%. As of October 28, 2009 the Prime Rate was 3.25% resulting in the floor rate of 3.75% and 6.00% for Investment Properties. Lifetime cap is 13.99%. Property Insurance required. Flood Insurance may be required. Rates and terms are subject to change without notice.

APR=Annual Percentage Rate. Application Fee for loans above $150,000: $175 (1 family), $325 (2-4 family). Application Fee for Investment Property loans up to $100,000 is $175. Application Fee for Investment Property loans above $100,000: $275 (1 family); $475 (2-4 family). Additional fees may apply for lines above $250,000. Closing Fee of $100 on all loans. Property Insurance required. Flood Insurance may be required. Rates and terms are subject to change without notice.