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RESIDENTIAL MORTGAGE RATES - 1 TO 4 FAMILY PROPERTIES IN NEW JERSEY

Interest Rates and Annual Percentage Rates (APRs) are as of Wednesday, February 22, 2012 10 a.m.

Zero Closing Cost (1)

$100,000 TO $174,999 $175,000 TO $417,000 $417,001 TO $625,500

FIXED $450 ORIGINATION NO ORIGINATION NO ORIGINATION

FEE FEE FEE

30 YEAR RATE 4.250% 4.250% 4.500%

Cost per $1000 (2) $4.92 $4.92 $5.07

APR 4.286% 4.260% 4.511%

15 YEAR RATE 3.500% 3.500% 3.750%

Cost per $1000 (2) $7.15 $7.15 $7.27

APR 3.558% 3.514% 3.844%

ARM (3)

5/1 ARM RATE 3.375% 3.375% 3.750%

Cost per $1000 (2) $4.42 $4.42 $4.63

APR 3.408% 3.384% 3.516%

7/1 ARM RATE 3.500% 3.500% 4.000%

Cost per $1000 (2) $4.49 $4.49 $4.77

APR 3.466% 3.443% 3.679%

10/1 ARM RATE 3.750% 3.750% 4.250%

Cost per $1000 (2) $4.63 $4.63 $4.92

APR 3.638% 3.614% 3.926%

We offer 10 and 20 years fixed rate loans & Interest Only ARM loans (3) - Call for rates

WITH CLOSING COST

$100,000 TO $174,999 $175,000 TO $417,000 $417,001 TO $625,500

FIXED $500 ORIGINATION $500 ORIGINATION $750 ORIGINATION

FEE FEE FEE

30 YEAR RATE 4.000% 4.000% 4.125%

Cost per $1000 (2) $4.77 $4.77 $4.85

APR 4.098% 4.054% 4.179%

15 YEAR RATE 3.250% 3.250% 3.500%

Cost per $1000 (2) $7.03 $7.03 $7.15

APR 3.420% 3.343% 3.594%

ARM (3)

5/1 ARM RATE 2.625% 2.625% 3.000%

Cost per $1000 (2) $4.02 $4.02 $4.22

APR 3.228% 3.176% 3.306%

7/1 ARM RATE 3.000% 3.000% 3.250%

Cost per $1000 (2) $4.22 $4.22 $4.35

APR 3.315% 3.263% 3.379%

10/1 ARM RATE 3.375% 3.375% 3.625%

Cost per $1000 (2) $4.42 $4.42 $4.56

APR 3.490% 3.437% 3.592%

Rate

APR

Cost per $1,000(2)

ASB Affordable Housing (4)
3.750%

3.803%

$4.63

NJ 1st Time Home BuyerProgram (4)
4.250%

4.332%

$4.92

(1) Offer is valid for owner occupied primary and secondary residences located in New Jersey.

Minimum loan amount $175,000. Maximum loan amount $625,500.

Offer is subject to program availability and may be cancelled at any time. Not all applicants will qualify

and not all properties offered as collateral will be acceptable under this special program. Applicants will be

responsible at closing for funding a tax and insurance escrow account, and any interim interest. Title and

settlement services must be provided by a company from our Title Agency List. Alternatively, applicants may select their own title provider, however Atlantic Stewardship Bank will not then be responsible for any

additional fees, other than for the mortgagor’s title insurance policy, charged by the alternative provider.

(2). Cost per $1000 examples include principal and interest and do not include amounts for taxes and insurance.

(3). Annual Percentage Rate will change during term of loan. These loans are interest only for the stated period which means that only interest is paid and there is no scheduled principal reduction during the specified term. Specifically, the 5/1 product allows interest only payments for the first 5 years, 7/1 product allows interest only payments for the first 7 years, and 10/1 product allows interest only payments for the first 10 years. After the interest only payment period ends, the monthly payment will increase and the loan will begin to amortize. When this occurs you will begin to make payments of interest and principal.

(4). Purchase price and income restrictions vary by county. Call for further details.

THE FOLLOWING DISCLOSURES APPLY TO ALL THE MORTGAGE LOANS LISTED IN

THE RATE TABLE

Quoted annual percentage rates (APR) are based on a loan amount of $100,000, assumes 20% equity in the home and FICO score of not less than 740. The property must be owner-occupied single family primary residence. There are rate and/or point adjustments required based on other factors, such as 2 - 4 family

properties investment properties, second homes, higher loan to values cash out refinances, credit ratings (FICO

scores), etc. Other pricing options and terms are available on some loan products. Other loan terms may apply to mortgage loans under $100,000. Call for details. All mortgage loans are subject to credit approval.

Interest Rates and Annual Percentage Rates (APRs) may be changed thereafter, without notice, until rate is locked
.

	Zero Closing Cost (1)

	$100,000 TO $174,999	$175,000 TO $417,000	$417,001 TO $625,500

FIXED	$450 ORIGINATION	NO ORIGINATION	NO ORIGINATION
	FEE	FEE	FEE
30 YEAR RATE	4.250%	4.250%	4.500%
Cost per $1000 (2)	$4.92	$4.92	$5.07
APR	4.286%	4.260%	4.511%

15 YEAR RATE	3.500%	3.500%	3.750%
Cost per $1000 (2)	$7.15	$7.15	$7.27
APR	3.558%	3.514%	3.844%


ARM (3)
5/1 ARM RATE	3.375%	3.375%	3.750%
Cost per $1000 (2)	$4.42	$4.42	$4.63
APR	3.408%	3.384%	3.516%

7/1 ARM RATE	3.500%	3.500%	4.000%
Cost per $1000 (2)	$4.49	$4.49	$4.77
APR	3.466%	3.443%	3.679%

10/1 ARM RATE	3.750%	3.750%	4.250%
Cost per $1000 (2)	$4.63	$4.63	$4.92
APR	3.638%	3.614%	3.926%

We offer 10 and 20 years fixed rate loans & Interest Only ARM loans (3) - Call for rates

	WITH CLOSING COST

	$100,000 TO $174,999	$175,000 TO $417,000	$417,001 TO $625,500

FIXED	$500 ORIGINATION	$500 ORIGINATION	$750 ORIGINATION
	FEE	FEE	FEE
30 YEAR RATE	4.000%	4.000%	4.125%
Cost per $1000 (2)	$4.77	$4.77	$4.85
APR	4.098%	4.054%	4.179%

15 YEAR RATE	3.250%	3.250%	3.500%
Cost per $1000 (2)	$7.03	$7.03	$7.15
APR	3.420%	3.343%	3.594%

ARM (3)
5/1 ARM RATE	2.625%	2.625%	3.000%
Cost per $1000 (2)	$4.02	$4.02	$4.22
APR	3.228%	3.176%	3.306%

7/1 ARM RATE	3.000%	3.000%	3.250%
Cost per $1000 (2)	$4.22	$4.22	$4.35
APR	3.315%	3.263%	3.379%

10/1 ARM RATE	3.375%	3.375%	3.625%
Cost per $1000 (2)	$4.42	$4.42	$4.56
APR	3.490%	3.437%	3.592%
	Rate	APR	Cost per $1,000(2)
ASB Affordable Housing (4)	3.750%	3.803%	$4.63

NJ 1st Time Home BuyerProgram (4)	4.250%	4.332%	$4.92


(1) Offer is valid for owner occupied primary and secondary residences located in New Jersey.
Minimum loan amount $175,000. Maximum loan amount $625,500.
Offer is subject to program availability and may be cancelled at any time. Not all applicants will qualify
and not all properties offered as collateral will be acceptable under this special program. Applicants will be
responsible at closing for funding a tax and insurance escrow account, and any interim interest. Title and
settlement services must be provided by a company from our Title Agency List. Alternatively, applicants may select their own title provider, however Atlantic Stewardship Bank will not then be responsible for any
additional fees, other than for the mortgagor’s title insurance policy, charged by the alternative provider.

(2). Cost per $1000 examples include principal and interest and do not include amounts for taxes and insurance.

(3). Annual Percentage Rate will change during term of loan. These loans are interest only for the stated period which means that only interest is paid and there is no scheduled principal reduction during the specified term. Specifically, the 5/1 product allows interest only payments for the first 5 years, 7/1 product allows interest only payments for the first 7 years, and 10/1 product allows interest only payments for the first 10 years. After the interest only payment period ends, the monthly payment will increase and the loan will begin to amortize. When this occurs you will begin to make payments of interest and principal.

(4). Purchase price and income restrictions vary by county. Call for further details.

THE FOLLOWING DISCLOSURES APPLY TO ALL THE MORTGAGE LOANS LISTED IN
THE RATE TABLE

Quoted annual percentage rates (APR) are based on a loan amount of $100,000, assumes 20% equity in the home and FICO score of not less than 740. The property must be owner-occupied single family primary residence. There are rate and/or point adjustments required based on other factors, such as 2 - 4 family
properties investment properties, second homes, higher loan to values cash out refinances, credit ratings (FICO
scores), etc. Other pricing options and terms are available on some loan products. Other loan terms may apply to mortgage loans under $100,000. Call for details. All mortgage loans are subject to credit approval.

Interest Rates and Annual Percentage Rates (APRs) may be changed thereafter, without notice, until rate is locked .