Current Mortgage Rates From: Somerset Hills Bank

We are the community bank that our founders envisioned, where our customers' financial needs are our first priority. We pride ourselves in providing exceptional service not usually found elsewhere. Through the combination of our on-site senior management and experienced staff of banking professionals, we work with our customers to ensure that they receive the most comprehensive service possible.

Products

As a securitized lender, Somerset Hills Bank can provide the savvy borrower with:

	A wide variety of portfolio products at below-market interest rates
	Elite conforming products without "middle-man" fees
	Full-integrated specialized departments - close your loan when you want, fast!

Core Values

	All our customers will know that we respect and value them, and we will make every prudent effort to assist them in achieving their goals.
	We will strive to make our services the best in the business.
	We are a creative and community-oriented team of experienced and professional bankers.
	We fully use our talents, knowledge, and skills to provide exemplary service, to improve our performance, and to add value for our customers, our stockholders, and our community.

We offer a complete line of consumer and commercial loans, as well as a full range of residential mortgage loans provided by our mortgage subsidiary, Sullivan Financial Services. We have the most competitive rates available with the latest in products and services, including Internet and Telephone Banking. Whether you are an individual looking for a convenient way to manage your finances or a business looking for assistance in expanding operations, we are here to help you reach your financial goals today and every day.

We would welcome the opportunity to introduce you to a new and refreshing way to bank at Somerset Hills Bank - the way your bank should be.

*Program*	*Rate*	*Points*	*APR*	*Max Loan*	Fees In APR
30 Year Fixed	6.375	0	6.462	$417,000	614
30 Year Fixed (Jumbo)	6.625	0	6.72	1,500,000	614
30 Year Fixed biweekly	6.625	0	6.686	$650,000	614
20 Year Fixed	6.25	0	6.34	$417,000	614
20 Year Fixed (Jumbo)	6.50	0	6.58	1500000	614
15 Year Fixed	6	0	6.062	$417,000	614
15 Year Fixed (Jumbo)	6.25	0	6.32	1500000	614
10 Year Fixed	5.875	0	5.931	$417,000	614
10/1 ARM	6	0	6.084	$1500000	614
10/1 ARM (Jumbo)	6.125	0	5.841	$1,500,000	614
7/1 ARM	6	0	5.456	$ 417,000	614
7/1ARM (Jumbo)	6	0	5.456	$1500000	614
5/1 ARM	5.75	0	4.821	$ 417,000	614
5/1ARM (Jumbo)	5.75	0	4.821	$ 1 mil	614
3/3 ARM	5.625	0	4.720	$ 417,000	614
3/3 ARM (Jumbo)	5.625	0	4.742	$ 1mil	614
10/1 ARM Interest-Only	6.375	0	5.345	$1500000	614
10/1 ARM IO (Jumbo)	6.375	0	5.345	$1500000	614
7/1 ARM Interest-Only	6.25	0	5.280	$1,500,000	614
7/1 ARM IO (Jumbo)	6.25	0	5.295	$ 1,500,00	614
5/1 ARM Interest-Only	6	0	4.869	$417,000	614
5/1 ARM IO (Jumbo)	6	0	4.869	$ 1mil	614
Reverse Mortgage Specialists		0
*Rates as of 7/21/2008 and are subject to change.*
Also available are LIBOR ARMS, Interest-Only Products, Balloon Mortgages, 100% Financed Purchases, and others. Above rates are for new applications only.

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