Thomaston Savings Bank

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Home Equity Financing

Effective July 27, 2010
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HOME EQUITY LOANS- OWNER OCCUPIED
Loan Amounts of $20,000 to $200,000.00, No Application Fee-No Closing Costs. Primary residence. Available for 2nd Lien, Prepayment Penalty in effect First Two Years.
See example below (A) FIXED RATE HOME EQUITY LOANS
TERM	Max LTV	With TSB 1st Mtg	RATE	APR
5 years	75%	80%	6.125%	6.125%
10 years	75%	80%	6.375%	6.375%
15 years	75%	80%	6.625%	6.625%
ADJUSTABLE RATE HOME EQUITY LINE OF CREDIT-HELOC
Loan Amounts of $20,000 to $200,000.00, No Application Fee-No Closing Costs. Owner occupied-primary residence. Available for 1st Lien or 2nd Lien, Prepayment Penalty in effect First Two Years.
TERM	Max LTV	With TSB 1st Mtg	RATE	APR
359 Months	75%	80%	Prime-1.000%	4.000%	Subject to Monthly Rate Change
359 Months	75%	80%	Prime-1.000%	4.000%	Subject to Annual Rate Change
Draw period - 9 years 11 months - Repayment period 20 years

A) Fixed Home Equity Loan: example fixed rate 10 years term 50,000.00 loan with an APR of 6.375% you will make 120 payments of $564.57.

Home Equity Lines of Credit have a $50.00 annual membership fee which is assessed after the first year. Adjustable rate means that the interest rate may change. The maximum annual percentage rate is 18.00% APR, Home owners insurance is required on property. Interest may be tax deductible, consult your tax advisor.

Please contact a customer service representative for rate and product information. Interest Rates, APR (Annual Percentage Rate), Points, Fees and Conditions are Subject to Change Without Notice. Rates on this page will not be honored at any time after a rate change.

ANYONE INTERESTED IN APPLYING FOR FINANCING WILL BE FURNISHED WITH APPLICABLE TRUTH IN LENDING DISCLOSURES AND OTHER PERTINENT INFORMATION AS REQUIRED.