Interest Rates and Terms    Effective: 01/26/2012

Term	Rate	Points	APR**	Payment per $1000	Max LTVR	Max Loan
20 Year Fixed 15 Year Fixed 10 Year Fixed 5 Year Fixed	4.875% 4.625% 4.375% 4.125%	0 0 0 0	4.882% 4.634% 4.388% 4.150%	$6.53 $7.71 $10.30 $18.47	75% 75% 75% 75%	$250,000/$5,000 $250,000/$5,000 $250,000/$5,000 $250,000/$5,000

1-4 Family & Condominiums: 75% maximum loan to value ratio.
Investment Property: 70% maximum loan to value ratio / Interest rates 1% higher
Second Homes: 75% maximum loan to value ratio / Interest rates 1/2% higher / 1 family & condominium only.
Application Fee: $150

Important Details
• Borrow up to $250,000
• We keep all loans in-house, so you're assured of Clifton Savings Bank's personal service.

*APR = Annual Percentage Rate
Interest rates and terms are subject to change without prior notice

Home Equity Lines of Credit      Effective: 01/26/2012
Rate: 4.00%; rate to adjust monthly to prime rate (prime rate is currently 3.25%)
Points: 0
APR*: 4.00%
Term: 20 Years (15 year draw period, 5 year repayment period)
Rate Caps: 18.00% maximum /4.00% minimum (no cap per adjustment)
Maximum LTV: 75% 1-4 Family and Condominiums
Loan Amounts: $250,000.00 maximum / $5,000.00 minimum
Minimum Draw: $500.00
Application Fee: $150.00
Property Type: 1-4 family and condominium; primary residences only

*APR = Annual Percentage Rate
Interest rates and terms are subject to change without prior notice