Issue 8 - Fall - Spring 2021

2 15 YEAR 3.013 3.763 % APR ** Thomas Rudzewick President and Chief Executive Officer 30 YEAR Sincerely, FIXED RATE MORTGAGES Apply Online Today **Annual Percentage Rate (APR) is effective 3/22/21. Available for loan amounts up to $999,999.00 for 1 to 4 family properties, condominiums & co-ops only. Rates for loan amounts of $1,000,000.00 and above will be determined by the Bank. Loans over $500,000.00 and above on 1 family homes & condominiums must be owner-occupied. Co-op loans must be owner-occupied regardless of loan amount. Up to 75% loan to value for purchases, 70% loan to value for refinances. Available to properties located in the state of NY (Manhattan, Queens, Brooklyn, Bronx, Staten Island, Nassau, Suffolk & Westchester). Rates & terms are subject to change without notice. $550.00 Non-refundable application fee is required on investment properties. Rates are for informational purposes only and are not binding until a formal commitment has been issued. First Time Homebuyers Program is available for purchase of owner occupied 1 family homes, condominiums & co-ops with maximum Purchase Price of $750,000,00, and 2 family with maximum Purchase Price of $999,000.00 only. You will receive .25% discount on Interest Rate. Down payment of 5% to 19% will require PMI (Private Mortgage Insurance). Primary 1 & 2 Family Homes, Condominiums &Co-ops 30 YEAR 15 YEAR % APR ** 3.257 % APR ** 4.508 % APR ** HOPE, NEW BEGINNINGS & FRESH PERSPECTIVES Non-Owner Occupied 1-4 &Owner Occupied 3-4 Family Homes &Condominiums Primary 1 & 2 Family Homes, Condominiums &Co-ops Non-Owner Occupied 1-4 &Owner Occupied 3-4 Family Homes &Condominiums Around this time, one year ago, Covid-19 had just begun to turn the world upside down. No one could have imagined the turn of events that transpired or the boundaries that would be tested. But as we look back, Covid-19 gave us all a new perspective and greater sense of purpose. The value of our health, family, friendships, and every day pleasures became clearer. So, with the encouraging outlook ahead, the blooming flowers and warmer weather of Spring, let us continue to push forward and hope for brighter days. In this issue we celebrate our accomplishments and give you a sneak peek into all the great things we are working on to bring you a wider range of technology and banking possibilities. Recently, we launched our new Perks Checking account, which features a variety of exciting benefits and our debit cards will soon feature contactless payment technology. Spring is also a great time to reorganize your finances, tackle those home renovation projects or purchase that dream home you have been eyeing. Regardless of your plans or financial goals, we have a wide range of tools and programs available to assist you. We are also looking forward to the grand reopening of our Forest Hills Drive-thru, with plans for a celebration this Summer. Our Motors & a Movie Drive-in Experience will also be back this Summer. And, as Covid-19 restrictions ease, we hope to be able to welcome you and your families back to our other highly anticipated summer events. Be sure to check our website for announcements. In closing, we are proud of our progress and remain committed to bringing you the best banking experience possible. Our staff is a phone call or branch visit away – you can even schedule an appointment online! I hope you enjoy this issue and extend my gratitude for your business. Thank you for being a valued customer!

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