Consumer Loans

• Installment loan for 12 month up to 60 months for new or used cars.
• No down payment is required on new cars or a low 10% down payment is required for used cars.
• .25% rate reduction for payments made automatically from your EBSB checking or savings account utilizing "ADS" automatic payment system.

Up to 100% Financing on New Cars. Maximum Loan Amount for New Cars is $50,000. Minimum down payment for Used Cars is 10%.
Effective Date: 2/2/2012

Auto Loan Rates
Term	New Car (2012 & dealer left over 2011) APR*	Monthly Principal & Interest per $1,000 borrowed	Used Car (2011 & 2010-Only) APR*	Monthly Principal & Interest per $1,000 borrowed
12 Mos.	5.75%	$85.95	6.50%	$86.30
24 Mos.	5.75%	$44.21	6.75%	$44.66
36 Mos.	5.75%	$30.31	7.00%	$30.88
48 Mos.	6.00%	$23.49	7.25%	$24.06 (2011 & 2010 ONLY)
60 Mos.	6.25%	$19.45	N/A	N/A

*APR (Annual Percentage Rate)

• Available to 1-3 family owner occupied properties in Massachusetts and New Hampshire.
• Loan amount may vary, depending on Fico scores, LTV, CLTV and income.
• Loan limits; $25,000 to $500,000.
• The interest you pay on this loan may be tax deductible. Consult your tax advisor.

Effective Date: 2/2/2012

HELOC Introduction Offer
Product	Introductory Annual Percentage Rate	Current Annual Percentage Rate	Minimum Payment Options	Loan to Value	Term
Monthly Variable (Minimum draw $25,000 at time of closing)	1.999% for the first 12 months*	Prime Rate +0.00% with a floor of 4.00%*	1% of outstanding balance (P&I) not less than $100 per month.**	80% w/EBSB 1st mortgage and 70% w/all other banks***	15 Yr total term. 10 Year Draw. Remaining 5 Years.****

*The minimum floor rate will be 4.00% and the maximum rate will be capped at 18%. Prime Rate as published in the Wall Street Journal on the last business day of the month (As of 1/31/12 the rate is 4.00%).

**An Interest Only option is also available with this product.

***If the first is with EBSB or a sold MW loan, max CLTV 80% with Fico of 700. If the first is elsewhere (not a mortgage customer with the bank) the max CLTV is 70% with minimum Fico score of 700.

****Sixty substantially equal payments of principal, plus interest.

Consult your tax advisor regarding deductibility of interest.

Minimum credit score 680.

Property insurance is required. Flood Insurance may be required.

Rate and terms may change at any time.

Not available for homes currently for sale.

Second Lien position only.

Available to 1-3 family owner occupied properties in Massachusetts and New Hampshire.

Loan amount may vary, depending on Fico scores, LTV, CLTV and income.

Loan limits; $25,000 to $500,000.

The interest you pay on this loan may be tax deductible. Consult your tax advisor.

$50 annual fee (Waived with a Platinum Checking account.)
$500 early termination fee for lines closed within the first 24 months
$9.50 individual credit report fees
$15.50 joint credit report fees
Closing costs may apply see a residential loan officer.
Additional fee may apply if the loan will be first mortgage.
If property is held in a Trust or there are outstanding discharges, borrower will pay additional recording fees.

• Available to 1-3 family owner occupied properties in Massachusetts and New Hampshire.
• Loan amount may vary, depending on Fico scores, LTV, CLTV and income.
• Loan limits; $10,000 to $500,000.
• The interest you pay on this loan may be tax deductible. Consult your tax advisor.

Effective Date: 2/2/2012

Home Equity Line of Credit
Product	Annual Percentage Rate	Minimum Payment Options	Loan to Value	Term
Monthly Variable	Prime Rate as published in the Wall Street Journal on the last business day of the month.*	1% of outstanding balance (P&I) not less than $100 per month.**	80% w/EBSB 1st Mortgage and 70% w/all other banks***	15 Yr Total Term. 10 Year Draw. Remaining 5 Years, Fixed P&I repayment of outstanding balance.****

*The minimum floor rate will be 4.00% and the maximum rate will be capped at 18%. (As of 1/31/12 the rate is 4.00%)

**An Interest Only option is also available with this product.

***If the first is with EBSB or a sold MW loan, max CLTV 80% with Fico of 700. If the first is elsewhere (not a mortgage customer with the bank) the max CLTV is 70% with minimum Fico score of 700.

****Sixty substantially equal payments of principal, plus interest.

Consult your tax advisor regarding deductibility of interest.

Minimum credit score 680.

Property insurance is required. Flood Insurance may be required.

Rate and terms may change at any time.

Not available for homes currently for sale.

Second Lien position only.

Available to 1-3 family owner occupied properties in Massachusetts and New Hampshire.

Loan amount may vary, depending on Fico scores, LTV, CLTV and income.

Loan limits; $10,000 to $500,000.

The interest you pay on this loan may be tax deductible. Consult your tax advisor.

$50 annual fee (Waived with a Platinum Checking account.)
$500 early termination fee for lines closed within the first 24 months
$9.50 individual credit report fees
$15.50 joint credit report fees
Closing costs may apply see a residential loan officer.
Additional fee may apply if the loan will be first mortgage.
If property is held in a Trust or there are outstanding discharges, borrower will pay additional recording fees.

• No waiting period or application approval process
• Low fixed interest rate
• The funds borrowed are deposited into a Credit Builder Statement Savings account, which are held as collateral for the loan
• Loan amounts available from $1,000 to $3,000
• As the loan is paid back, you may withdraw excess funds and leave only the balance required as collateral for the unpaid balance
• All payment history is reported to credit bureaus, which will establish your credit history as you make payments
• Available to individuals who live in Massachusetts

3.00% above savings interest rate with a minimum
6.00% annual percentage rate
Minimum: 12 monthly payments at $68.07 per $1,000
Maximum: 36 monthly payments at $30.42 per $1,000