August 22, 2012 THE VILLADOM TIMES III • Page 13 Area Law enforcement officers from several Bergen County municipalities will be cracking down on drunk drivers as part of the summer 2012 “Drive Sober or Get Pulled Over” campaign. During this program, which began Aug. 17 and will run through Sept. 3, local and state law enforcement officers will conduct sobriety checkpoints and roving patrols, looking for motorists who may be driving while intoxicated. A concentrated national effort, the campaign helps to raise awareness about the dangers of drinking and driving through high-visibility enforcement and public education tools, including posters, banners, and mobile video display signs. Launched nationally in 1999, the program works to combat drunk driving during some of the busiest travel times of the year, including the Labor Day holiday period. Local police conduct crackdown on impaired drivers “Many people believe that after a few drinks they’re still safe to drive,” said Gary Poedubicky, acting director of the Division of Highway Traffic Safety. “Even one drink can impair your judgment and reaction time, putting not only yourself, but everyone on the road, in danger.” In 2010, alcohol-impaired fatalities accounted for 20 percent of New Jersey’s motor vehicle fatalities. As part of the initiative, the Division of Highway Traffic Safety provides grants to local law enforcement agencies throughout the state to run the two-week campaign. Law enforcement agencies participating in the Drive Sober or Get Pulled Over 2012 crackdown offer the following advice: If you plan to drink, designate a driver, someone who will not drink alcohol, before going out. Take mass transit or a taxi, or ask a sober friend to drive you home. Spend the night where the activity is held. Report impaired drivers to law enforcement. In New Jersey, drivers may dial #77 to report a drunk or aggressive driver. Always buckle up, every ride, regard- less of your seating position in the vehicle. It’s your best defense against an impaired driver. If you’re intoxicated and traveling on foot, the safest way to get home is to take a cab or have a sober friend or family member drive you to your doorstep. “It takes hands to build a house, but only hearts As one of the most efficient can build a home.” banks in America, Hudson City — Unknown provides better values in the form of competitive mortgage rates and lower closing fees. Plus, we’ve developed a straightforward, pain-free mortgage process that enables you to close your loan without stress, frustration or costly surprises. Bank on Better ValuesTM by visiting one of our 135 convenient branches or by banking online. For more information call 201.967.1900 / 856.428.2740 / 732.477.0931 or visit hudsoncitysavingsbank.com. Mortgages Mortgages Maximum Loan Amounts Rate APR Monthly Payment (per $1000 est.) 5-Year 10-Year 15-Year 30-Year 30-Year 30-Year Payout 30-Year Payout 15-Year Payout 30-Year Payout 30-Year Payout Adjustable Rate Adjustable Rate Fixed Rate Fixed Rate ($417,100 to $625,000) Fixed Rate (Up to $1 million) (Up to $1 million) (Up to $417,000) (Up to $417,000) 2.500% 3.750% 3.375% 4.375% 4.375% 2.846% 3.476% 3.406% 4.393% 4.387% $3.95 $4.63 $7.09 $4.99 $4.99 Full product menu available on our website. Ask about our “Jumbo” mortgage loans and “Interest-Only” offerings. Inquire about our additional Adjustable and Fixed Rate programs not shown above, as well as our discounted programs for low/moderate income borrowers. For eligible “Interest-Only” loan products, add 1/2% to applicable amortizing rate. 20% down payment required on loans up to $1,000,000. ARM caps: 2% annual, 5% lifetime. ARM rate may increase or decrease after closing. Rates are subject to change without notice. Monthly payment shown above does not include amounts for taxes and insurance, thus resulting in the actual payment obligation being greater.