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60 East Main Street, Bogota, NJ 07603
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819 Teaneck Road, Teaneck, NJ 07666
*Start rate of 2.75% based on NY Prime rate as published in the Wall Street Journal minus .75%. Floor Rate is 2.5%. Maximum rate is 15%. Line is a 20-year revolving term with
a maturity balloon payment due at the end of 20 years. Minimum line amount is $75,000 and maximum line amount is $500,000. Line amounts over $300,000 may require title
insurance at borrower’s expense. Appraisal required showing a maximum loan to value ratio of 70% on a 1-2 family owner-occupied dwelling in many NJ counties. Rate valid as of
February 8, 2016. There is a non-refundable application fee of $99. A renewal fee of $50 will be charged each year on the anniversary month of the line. Adequate property insurance is required. Flood insurance is required where applicable. Other loan products, rates and terms are available. Subject to change without prior notice. Subject to all bank underwriting conditions.