Charles River Bank

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Home Equity Rates

The Annual Percentage Rates are effective as of July 30, 2010
	No Points No Closing Costs**	APR
Home Equity Line of Credit * 20 Year Term #Variable Rate	Current APR is 4.00% (Minimum Rate 4.00%) Prime Rate - .50% for Life of Loan for Lines of Credit $100,500 to $150,000***	4.00% Current Prime Rate - .50% is 4.00% *

*The rates and APRs are as of 7/30/10 and are subject to change. The Home Equity Line APR is .50% below the Prime Rate as published in The Wall Street Journal on the last business day of each month. Prime Rate as of 7/30/10, is 3.25%. The APR is subject to change monthly. The minimum rate will not be less than 4.000% and it may increase after consummation to a maximum of 18%. The maximum combined loan-to-value is 75%. Owner occupied, 1-4 family properties. **If you believe the property assessment on your tax bill is under-valued, a $275 fee may be paid for a bank appraisal.The APR is as of 7/30/10. Property insurance is required. Flood Insurance may be required. Please consult a tax advisor regarding the deductibility of interest. A termination fee of 1% of the credit line may be imposed if the credit line is closed within the first 3 years. Minimum credit line or loan is $10,000. Maximum credit line or loan is $150,000. *Autopay from a CRB checking account is required. ***Other rate programs available for lower credit limits. Rates subject to change without notice.

The Annual Percentage Rates are effective as of 7/30/10.
Fixed Rate Home Equity Loans
Loan Type	Rate	Points	APR	P&I Pmt PER $1000
5 Years	5.500%*	0.00	5.500%*	$19.10
Without Autopay	6.000%	0.00	6.000%	$19.33
10 Years	6.000%*	0.00	6.000%*	$11.10
Without Autopay	6.500%	0.00	6.500%	$11.36
12 Years	6.125%*	0.00	6.125%*	$9.82
Without Autopay	6.625%	0.00	6.625%	$10.09
15 Years	6.250%*	0.00	6.250%*	$8.57
Without Autopay	6.750%	0.00	6.750%	$8.85

Loan Amounts are $10,000 to $150,000 for the 5, 10, 12 and 15 year terms. Maximum Combined Loan To Value is 75%. APR based on a $150,000 loan with an 75% LTV. No Points & No Closing Costs (Unless stated otherwise**)

*Autopay from a CRB deposit account is required.**If you believe the property assessment on your tax bill is under-valued, a $275 fee may be paid for a bank appraisal.