Home Equity Line of

Presidential Bank: Home Equity Line of Credit Information Presidential Loan Products..... Lending Overview Home Mortgage Programs Apply Online for a Home Mortgage Home Equity Line of Credit Car Loans Commercial Lending Home Equity Lines of Credit Home Equity Line of Credit Loan Calculator Line of Credit Amounts: $10,000 to $300,000 Introductory Interest Rate: 1.25% APR for first 4 months To qualify for the introductory rate, your line must be activated within thirty days of settlement, with a draw of at least $10,000 in the first 30 days after the closing date. Interest Rate after Introductory Period: Loans of 30,000 or more: Prime Rate Loans of less than $30,000: Prime Rate +1% As of today, the Prime interest rate is equivalent to a rate of 7.25% APR, and 1.00% over the Prime interest rate is equivalent to a rate of 8.25% APR. The Prime rate use is the prime rate as quoted in the Wall Street Journal. APR is the Annual Percentage Rate, as computed under applicable federal regulations. After the introductory period, the interest rate is subject to monthly adjustment, as the Prime rate changes. However, the APR will never exceed 24%. Closing Costs Waived You pay absolutely nothing to establish your Presidential Home Equity Line. No closing costs -- no application fee -- no appraisal fee -- no points. This can save you hundreds of dollars! This no closing cost feature is subject to the terms and conditions of the Home Equity Line Agreement, which require that the line must remain open for a minimum of 42 months and that the finance charges must be at least $1,000 during the period the line is open. Tax Deductions Unlike credit card interest and other non-mortgage interest you may pay, you can deduct the interest you pay on a home equity line of credit for federal income tax purposes, subject to the requirements of the Internal Revenue Code. Drawing Against Your Line You may draw against your line at any time, simply by writing a check. Free checks are provided. Eligible Property Owner occupied single-family residences. Lending Area Nationwide (state restrictions may apply) Maximum Loan To Value Ratio The combined amounts of your first mortgage and the dollar limit on your Home Equity Line may not exceed 80% of the value of your home. Repayment Monthly payments are required, whenever the Home Equity Line of Credit has a principal balance outstanding. Principal may be prepaid at any time without penalty. The Line has an initial draw period of 15 years (180 months), during which advances may be made, followed by a repayment period of 8 years and 4 months (100 months). During the first 180 months of the term of the Home Equity Line of Credit, principal may be advanced and repaid at any time, subject to the approved maximum loan amount. Whenever a loan balance is outstanding, monthly payments of interest are required. After the end of the first 180 months, no further advances of principal will be made, and the line of credit must be repaid over the succeeding 100 months in monthly installments equal to 1% of the principal outstanding at the beginning of this repayment period, plus accrued interest. Other Terms All applications are subject to credit approval. Adequate property insurance is required. The minimum draw amount is $100. If you fail to qualify for the waiver of closing costs, you will be charged for your credit report, property appraisal, mortgage recording fees and other out-of-pocket costs of closing your loan; these costs generally total between $250 and $1,550. We will provide an itemization of the closing costs of your loan upon request. For additional information, see the Presidential Home Equity Line of Credit disclosure statement and the Home Equity Line Agreement. For additional information about Home Equity Lines of Credit: Read about it at The Federal Reserve Board . For Home Equity Line inquiries call: (800) 281-2771, or apply online . Presidential Bank's Privacy Notice . Deposit Products | Loan Products | Investments | Online Banking | About Presidential | News | Home email@presidential.com © 1995, 1999, 2002 - 2005 Presidential Bank, FSB last updated 12.14.05 lmm Member FDIC

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Rent - Exchange - Buy - Sell my home, house, property. Buy, sell, rent residential and holiday properties across the UK - FREE List Property : Free Web Space : Owners Guides : Partner/Affiliate : Web Links : Realtors/Agents : Testimonials : What's New? -- Members Log in Your Email: Your Password: Register Forgot Password Go to Property ID: Find Properties Africa Asia Australia Canada Caribbean Europe Mexico Middle East New Zealand Republic of Ireland South America UK USA For Sale Monthly Rental Weekly Rental Daily Rental Home Exchange -- Advertisers List Ad Modify Ad Cancel Ad Your Account -- Visitors/Members Introduction About Us Why List? FAQ Contact Us How Do I? -- Mortgages & Finance Free Classified Ads -- Worth Seeing UK Property Development About Home Swapping Homes Seekers World of Property Please visit our recommended sites! Site Visitors: Please click on a category below to see the sites contained within. 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Search our Sites Find all words Find any words Find phrase Go: Our Home Page Search WWW Search homes-seekers.net Home | Join | Search | About Us | FAQ | Contact Us | Web Links Site Map | Legal info | Privacy Policy 2001 - 2004 Homes Seekers Database Development By Cosmic Solutions India UK Counties UK Home Exchanges Alderney County, Antrim County, Armagh, Avon, Bedfordshire, Berkshire, Borders, Buckinghamshire, Cambridgeshire, Central, Cheshire, Cleveland, Clwyd, Cornwall, Cumbria, Derbyshire, Devon, Dorset County, Down, Dumfries and Galloway, County Durham, Dyfed, Essex, County Fermanagh, Fife, Mid Glamorgan, South Glamorgan, West Glamorgan, Gloucester, Grampian, Guernsey, Gwent, Gwynedd, Hampshire, Hereford and Worcester, Hertfordshire, Highlands, Humberside, Isle of Man, Isle of Wight, Jersey, Kent, Lancashire, Leicestershire, Lincolnshire, Greater London, County Londonderry, Lothian, Greater Manchester, Merseyside, Norfolk, Northamptonshire, Northumberland, Nottinghamshire, Orkney, Oxfordshire, Powys, Shropshire, Sark, Shetland, Somerset, Staffordshire, Strathclyde, Suffolk, Surrey, East Sussex, West Sussex, Tayside,Tyne and Wear, County Tyrone, Warwickshire, Western Isles, West Midlands, Wiltshire, North Yorkshire, South Yorkshire, West Yorkshire. 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Investment Property

Commercial + Investment, Properties Dublin Ireland For Sale/Auction/To Let/Rent-Southern Ireland Estate Agent HOME CONTACT US ABOUT US NEWS PUBLICATIONS PROPERTY ALERTS SITE MAP Introduction Dublin Office Cork Office Belfast Office Financial Services Dublin Printer_Version Development Investment Retail and Business Industrial Office -- --Clonmagadden SDZ, Navan, Co. Meath SUMMARY Land of approx. 3.64 Ha (9 acres) Superb development site in an excellent location approximately 1 km from Navan town. €7,500,000 o.t.o STATUS For Sale By Private Treaty --Superb Hotel Development at Dublin Road, Navan, Co Meath SUMMARY Superb Hotel Development Opportunity at Dublin Road, Navan, Co. Meath Approx. 3.4 Ha. (8.4 Acres) STATUS For Sale By Private Treaty --Plot of Land at Oldtown, Swords, Co Dublin SUMMARY Situated in the picturesque village of Oldtown, a rare opportunity to purchase a plot of land of approximately 0.23 acre, zoned residential within easy commuting distance of Dublin city centre. STATUS For Sale By Private Treaty --Development Opportunity at Collon, Co Louth. SUMMARY Land approx. 15.6 ha. (38.55 acres). Full planning permission for world-class motor kart circuit of 1.4km plus facilities to include café/restaurant area, conference facility, changing areas and large viewing gallery, outdoor lockup garages are also included along with large car parking area. STATUS For Sale By Private Treaty --Land at Rathdowney, Co. Laois SUMMARY Approx. 6.51 ha. (16.1 acres) Price on application STATUS For Sale By Private Treaty --Hawthorn Avenue, East Wall, Dublin 3. SUMMARY Full planning permission granted – ready to go scheme (with fire certificate) for 11 residential units with social and affordable exemption certificate. STATUS For Sale --Development site at Engine Alley, Dublin 8 SUMMARY A Ready to go Development Opportunity for developers / investors. Full planning permission for five apartments and two ground floor commercial units. A social and affordable housing certificate has been obtained. A fire certificate has been obtained. Site area approximately 217.5 sq.m. STATUS For Sale By Private Treaty --Ballymun Regeneration, Ballymun, Dublin 9 SUMMARY Exciting North Dublin urban renewal scheme in which there will be future commercial property opportunities. STATUS For Sale By Private Treaty --14 Bachelors Walk, Dublin 1 SUMMARY Rare opportunity to acquire a splendid 4 storey over basement quayside building located close to O’Connell Bridge in the heart of Dublin city centre. STATUS For Sale By Private Treaty --Clontra, Quinns Road, Shankill, Co Dublin SUMMARY STATUS For Sale By Private Treaty --Plattin, Duleek Road, Drogheda, Co Louth SUMMARY Superb site in this prominent location with extensive road frontage. Excellent location adjacent to M1 junction at Duleek Road, approximately 3.7km from Drogheda town centre and approximately 60km from Dublin city centre. Approximately 10.12 ha (25 acres) with potential for development. STATUS For Sale By Private Treaty --Industrial Development Site at Tolka Valley Road, Finglas, Dublin 11 SUMMARY This is an excellent opportunity to acquire an infill industrial development site in this most sought-after northside commercial location. STATUS For Sale --IFI Main Factory, Arklow, Co. Wicklow SUMMARY Very extensive industrial complex and large land holding. Approx. 23,219 sq.m. of commercial buildings in 13 separate buildings. STATUS Sale Agreed --Ashling House Creche and 17 New Dwellings, Balbutcher Lane, Ballymun, Dublin 11 SUMMARY Full planning permission for well designed three storey development with car park and new side road Situated opposite land approx 0.64 ha. (1.58 acres) at Balbutcher Lane on which proposals are also invited. STATUS Sale Agreed --Land at Balbutcher Lane, Ballymun, Dublin 11 SUMMARY Land approx. 0.64 ha. (1.58 acres) Proposals invited for the development of these well situated lands, on a subject to planning permission basis, for a range of possible uses. STATUS Sale Agreed --Shanliss Way, Ballymun, Dublin 9 SUMMARY Net site area approx. 659 sq.m. (0.16 acres) with full planning permission to construct a terrace of four houses in this mature residential location. The four houses consist of three bedroom two storey houses with garden / patio to the rear and comprise approximately 93 sq.m. gross internal area each. STATUS Sale Agreed --Nos. 24A/25 Hill Street, rear North Great Georges Street, Dublin 1 SUMMARY Residential development site with FPP for 11 apartments, commercial unit & car park Site area extends to approximately 447 sq.m. STATUS Sold --64 Thomas Street, Dublin 8 SUMMARY Important Redevelopment/Development Opportunity STATUS Sale Agreed --Mabestown House, Dublin Road, Malahide, Co Dublin SUMMARY Major Development Opportunity at Malahide. Land approximately 2.15 ha. (5.3 acres) designated for residential development under the Fingal Co. Council Development Plan 2005-2011. STATUS Tenders Under Consideration --Lands at Navan Road, Dunboyne, Co Meath SUMMARY This is a unique opportunity to acquire a large portion of land in the centre of Dunboyne, which has been designed for village centre and residential development under the Meath County Development Plan 2001. STATUS Tenders Under Consideration --Auburn Avenue, Castleknock, Dublin 15 SUMMARY Approx. 0.54 ha. (1.33 acres) Full planning permission for 45 luxury apartments STATUS Sold © Lisney 2004. All Rights Reserved Disclaimer Privacy Statement

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Real Estate Loan

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