Annual Percentage Rate (APR) shown equates to Prime minus 1.00% and is subject to change without notice. The APR for this product is variable. For the 90-day period following the loan closing, the APR will be Prime minus 1.00%. Afterwards, the APR will be Prime minus .50% for the life of the credit line. Prime equates to the highest Prime Rate as quoted in The Wall Street Journal on the last business day of the prior month; as of 5/1/08, Prime Rate was 5.00% resulting in the advertised APR and a non-promotional APR of 4.50%. Lifetime CAP of 16.5%. The credit line has a 10-year draw period and a 15-year repayment period. Property securing the credit line must be a 1-4 family owner occupied residence, townhome, or condominium belonging to the applicant and located in New Jersey. Hazard insurance sufficient to cover the credit line and all other outstanding liens is required. Flood insurance may be required. Line of credit is subject to credit approval. Offer applies to applications received through 5/31/08.