Current Mortgage Rates From: Lincoln Park Savings

As an independent bank with community ties dating back to 1923, we regard our customers as real people with unique needs. The bank provides an array of deposit and lending services to meet the financial goals of its customers. Whether in the market for a loan or saving for the future, our friendly and knowledgeable staff is there to provide assistance every step along the way. We take pride in our excellent customer service and strive to make every customer's banking experience a pleasant one. We welcome the opportunity to serve you, please call or stop in today!

We Feature:
*Mortgage Loans*
*Home Equity Loans*
*Home Equity Lines of Credit*

Other Products Available:
*No Income Verification Mortgages*
*First Time Homebuyer Program*
*Mortgages on Investment Properties*
*Commercial Real Estate Loans*
*Auto Loans*
*Personal Loans*

Program	Rate	Points	APR	Max Loan	Fees In APR
30 Year Fixed	5.625%	0	5.669%	80% LTV	475.00
25 Year Fixed	5.500%	0	5.549%	80% LTV	475.00
20 Year Fixed	5.000%	0	5.057%	80% LTV	475.00
15 Year Fixed	4.875%	0	4.947%	80% LTV	475.00
1/1 Year ARM - Margin 2.75%	4.250%	0	3.137%	80% LTV	475.00
3/3 Year ARM - Margin 2.50%	4.375%	0	3.524%	80% LTV	475.00
5/1 Year ARM - Margin 2.75%	4.375%	0	3.524%	80% LTV	475.00
7/1 Year ARM - Margin 2.75%	4.750%	0	3.869%	80% LTV	475.00
10/1 Year ARM - Margin 2.75%	5.000%	0	4.298%	80% LTV	475.00
Rates as of Nov. 30, 2009 and are subject to change.
Rates Quoted Are For Qualifying Applicants Only Rates may vary subject to loan amount, loan to value ratios, credit ratings, purpose of loan, etc., and are subject to change withouth notice. Application fee $475 (may be higher for 2 to 4 family properties). Please call for rates on non owner occupied properties, multi-family, and commercial type properties. New Bi-Weekly loans now available. 40 year payouts available on adjustable rate mortgages. Call for details!

Program	APR	TERM	Max. Payout	Min. Amount	Max. Amount	Max. LTV
Home Equity Loans*	5.000%	5 yrs.	5 yrs.	$5,000	$350,000	75%***
	5.375%	10 yrs.	10 yrs.	$5,000	$350,000	75%***
	5.500%	15 yrs.	15 yrs.	$5,000	$350,000	75%***
	5.875%	20 yrs.	20 yrs.	$5,000	$350,000	75%***
(1st Liens Only)	6.250%	30 yrs	30 yrs	$5,000	$350,000	60%

*Owner occupied, 1 to 4 family dwellings only
**For equity loans where first mortgage is held by other institution with a balance greater than $1,000,000 - Max. LTV is 70%; balance greater than $1,500,000 - Max. LTV is 60%; balance greater than $2,000,000 - Max. LTV is 50%
***For equity loans in first position or loans where LPS holds the first mortgage and the property is located in Lincoln Park, Pequannock, Pompton Plains, Montville, Pine Brook, Towaco, Boonton, Boonton Township, Butler, Riverdale, Kinnelon or Wayne, the maximum LTV is 85%.
Fee of $175 upon receipt of early disclosures; Refundable Rates Quoted Are For Qualifying Applicants Only Rates may vary subject to loan amount, loan to value ratios, credit ratings, purpose of loan, etc. and are subject to change without notice

Program	Intro Term	Intro APR	Post Intro APR***	Draw Period	Repymt. Period	Min. Amount	Max. Amount	Max. LTV***
Home Equity Lines of Credit*	n/a	n/a	Prime-.50%	10 yrs	20 yrs	$5,000	$350,000	75%
*Owner occupied, 1 to 4 family dwellings only
**New Customers Only
***Wall Street Journal Prime Rate as published on the 1st day of each month. Maximum rate to be charged over life of loan is 16.000%. Minimum rate to be charged over life of loan is 4.00%
**For equity lines in first position or lines where LPS holds the first mortgage and the property is located in Lincoln Park, Pequannock, Pompton Plains, Montville, Pine Brook, Towaco, Boonton, Boonton Township, Butler, Riverdale, Kinnelon or Wayne, the maximum LTV is 85%.***For equity lines where first mortgage is held by other institution with a balance greater than $1,000,000 - Max. LTV is 70%; balance greater than $1,500,000 - Max. LTV is 60%; balance greater than $2,000,000 - Max. LTV is 50%
FEE OF $175 DUE AT TIME OF APPLICATION; REFUNDABLE AT CLOSING AN EARLY TERMINATION FEE OF $400 WILL BE CHARGED IF LINE IS TERMINATED WITHIN 18 MONTHS OF LOAN DATE

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