Checking / Home Equity Promotion

Promotion ends 5/14/10 or while supplies last. Available to new checking accounts with minimum deposit $100 or direct deposit; or with new home equity line or loan. Limit one gift per account or line/loan. St. Mary’s Bank reserves the right to substitute gift of similar value. *St. Mary’s Bank does not impose any ATM fees. To avoid surcharges by other institutions, use the CO-OP® or SUM® networks. *Annual Percentage Rate (APR) accurate as of 1/28/10. **Rate valid through 8/31/10, then changes to Prime -.51% for the remaining life of the line. (Prime Rate as published in the Wall Street Journal preceding the start of each monthly billing period. Current prime rate is 3.25%.) Minimum APR 4.00% and maximum APR 16%. $25,000 minimum line amount, $15,000 minimum draw required at closing. Loan-to-value (LTV) ratio up to 80%. One-to-four family owner occupied NH properties only. Rate and terms may change at any time and vary by loan amount. $50 annual fee waived with automatic payment from a St. Mary’s checking account. If line closed within three years, $250 prepayment fee applies. Properties held in trust are subject to $175 fee. Not available for homes currently for sale. Property insurance required. Flood insurance may be required. Applications subject to credit approval. Other rates and terms (up to 180 months) available. ***For 1-4 family owner occupied primary residences only--80% CLTV with SMB 1st mortgage; 75% CLTV on all "Non" SMB 1st mortgage. If the loan is paid in full and closed within 3 years of activation, a prepayment fee of $250 applies. APR is based $10,000 amount financed for maximum term. Annual Percentage Rate (APR) reflects 0.25% discount with automatic funds transfer from a St. Mary's Bank Beyond Checking account.

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