Audubon Savings Bank

*APR=Annual Percentage Rate All loans are subject to credit approval.
APR on first mortgages is based on $150,000 loan amount, 30 days pre-paid interest, applicable points, $475 application fee, $325
settlement fee and no PMI.
**Estimated Montly Payment is based on $10,000 borrowed.
***Private Mortgage Insurance (PMI) is required on all first mortgages with less than 20% down payment. Rates are for loan amounts up to $417,000
**** Minimum draw of $10,000 required at closing.
Homeowners' insurance is required on all loans.
Home Equity Loans are limited to $250,000 and 80% Loan-to-Value (LTV).
Rates for Home Equity Loans assume automatic debit (payment) from an ASB checking account and are 0.25% higher without an automatic payment.
Rates, APRs and Terms and conditions are subject to change without notice.
Additional Rates and Terms available for all loan products, LTV's over 80% currently not available.

First Mortgages*** 30 Year Term - Fixed Rate
Interest Rate	APR*	Points	Estimated Monthly Payment ** ^{(Based on loan of $10,000)}
4.500%	4.90%	3	$50.67
4.875%	5.02%	0	$52.92

20 Year Term - Fixed Rate
Interest Rate	APR*	Points	Estimated Monthly Payment ** ^{(Based on loan of $10,000)}
4.250%	4.80%	3	$61.92
4.625%	4.81%	0	$63.94

15 Year Term - Fixed Rate
Interest Rate	APR*	Points	Estimated Monthly Payment ** ^{(Based on loan of $10,000)}
3.625%	4.20%	3	$72.10
3.990%	4.22%	0	$73.92

Home Equity Loans - Fixed Rate
Term	Interest Rate	APR*	Estimated Monthly Payment ** ^{(Based on loan of $10,000)}
Up to 5 Years	5.49%	5.68%	$190.97
6 to 10 years	5.99%	6.10%	$110.97
11 to 15 years	6.24%	6.32%	$85.69
16 to 20 years	6.49%	6.56%	$74.50
21 to 30 years	6.74%	6.80%	$64.79

Line of Credit - Variable Rate 15 Year Term
Wall Street Journal Prime Rate (3.25% effective 12/16/08)	Margin	APR*
Special for Lines of Credit equal to or greater than $10,000**** 4.00% Floor	-1.25%	4.00%	Maximum APR = 18% Floor = 4% $40 recording fee charged at closing
Lines of Credit Less than $10,000 4.00% Floor	-.25%	4.00%	Maximum APR = 18% Floor = 4% $40 recording fee charged at closing

Calculators
APR=Annual Percentage Rate All loans are subject to credit approval. APR on first mortgages is based on $150,000 loan amount, 30 days pre-paid interest, applicable points, $475 application fee, $325 settlement fee and no PMI. Estimated Montly Payment is based on $10,000 borrowed. Private Mortgage Insurance (PMI) is required on all first mortgages with less than 20% down payment. Rates are for loan amounts up to $417,000 ** Minimum draw of $10,000 required at closing. Homeowners' insurance is required on all loans. Home Equity Loans are limited to $250,000 and 80% Loan-to-Value (LTV). Rates for Home Equity Loans assume automatic debit (payment) from an ASB checking account and are 0.25% higher without an automatic payment. Rates, APRs and Terms and conditions are subject to change without notice. Additional Rates and Terms available for all loan products, LTV's over 80% currently not available.


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All Information © Audubon Savings Bank: Audubon Headquarters: 515 S. White Horse Pike \| Audubon., NJ, 08106 Audubon Branch: 856-547-8100 \| Mt. Laurel Branch: 856-642-7880 \| Pine Hill Branch: 856-782-0500