DISCLOSURE

*Products are available for owner-occupied 1-4 family residential properties and 1-2 unit second homes. Annual percentage rate (APR) cannot exceed 18%. Minimum APR is 2.25%. Minimum line is $10,000 and maximum line is $500,000. Homeowners’ insurance is required and flood insurance may be required. First liens: If the Bank takes a first lien, payments will not include taxes and insurance, so your actual payment obligation will be greater. A non-refundable annual fee of $50.00 will be billed each year in the month following the yearly anniversary date.  If the property is in trust, the Bank will charge you $250 for our Attorney’s review of your trust prior to closing, and you may be required to pay a recording fee at closing, generally between $106 and $108, to the Registry of Deeds for the recording of the Trustee Certificate. If the Bank requires a lien to be discharged as a condition of our commitment to grant the loan, you will need to obtain the discharge and pay a recording fee at closing, generally between $106 and $108 per item, to the Registry of Deeds to have the discharge recorded. If the Home Equity Line of Credit is closed and discharged within the first three years, you will be charged an early termination fee between $300 and $725. Rates may increase after consummation on the variable rate products.