• Rate is fixed for a specific period and then adjusts annually thereafter
• Initial fixed rate periods of three, five or seven years available
• After initial fixed rate period, rate can adjust up or down by 5% for the first adjustment and by 2% the subsequent years, with a lifetime maximum adjustment cap of 5%
• Thirty or forty year amortizations available
• Available as a Jumbo Mortgage for loans of $417,000 or more

• Rate is fixed for the entire term of the loan
• Terms of ten, fifteen, twenty, thirty or forty years available
• Point options available to reduce rate
• Available as a Jumbo Mortgage for loan amounts of $417,000 or more

• Rate is fixed for the entire term of the loan
• Fixed Monthly Payments
• Terms of ten, fifteen, or twenty years available
• No closing costs
• Rate lock fee refunded at closing (if applicable)

• Family Income Limit: $101,160
• $500 Credit towards closing costs

• Household Income Limit: Varies by community and family size
• No Private Mortgage Insurance (PMI); instead a 2nd mortgage payment of interest only for the first ten years
• No points
• Rate is lower than conventional 30-year mortgage

• Provides the option to pay interest only for the first ten years
• Fixed rate or five year adjustable rate mortgage
• $417,000 minimum loan amount
• Twenty year amortization

• Rate is the Wall Street Journal Prime Rate + 0% for the life of the line
• Rates for Personal Relationship Package customers with automatic payments from a Wainwright checking account are:
  • Lines under $200,000: Wall Street Journal Prime Rate - .5% for the life of the line*
  • Lines $200,000 to $499,000: Wall Street Journal Prime Rate - 1% for the life of the line*
  • Lines $500,000 and over: please contact us for current rates
• Revolving line of credit allows the flexibility of drawing and repaying principal amounts during the initial draw period
• Interest is only paid on the outstanding principal balance (interest paid may be tax deductible, please consult your tax advisor)
• Flexible repayment options include interest-only payments during the initial draw period; additional principal payments may be made anytime

• Choose a term from 5 to 15 years
• Possible tax deductible interest payments (See your tax advisor)
• Fixed rate for the term of the loan. 25% rate reduction for loan payments automatically deducted from a Wainwright checking account

• Reduced rate home equity loan for energy efficient home improvements such as the installation of solar or wind power, energy efficient windows, new septic system, insulation, improvements using recycled materials and more
• A .50% reduction on regular Home Equity Loan rates with automatic payments from a Wainwright checking account; .10% rate reduction without automatic payments
• No closing costs
• To apply: Call 800-444-BANK (2265), email consumerloans@wainwrightbank.com or stop by any branch location

• New and Used Auto Loans with flexible terms are available [a new auto has never had a title issued but has a Certificate of Origin]
• ½% rate reduction for the purchase of hybrid autos
• For purchases from auto dealers only -- no refinancing of loans from other lenders
• Vehicle must be titled in Massachusetts
• 10% down payment required for new cars; price based on Sales Contract after all rebates
• 20% down payment required for used cars; maximum loan amount based on the lower of the purchase price or NADA average retail value
• To apply: Call 800-444-BANK (2265), e-mail consumerloans@wainwrightbank.com or stop by any branch location

• $1,500 minimum; $5,000 maximum
• 3 years maximum term
• $50 per month minimum payment required
• To apply: Call 800-444-BANK (2265), e-mail consumerloans@wainwrightbank.com or stop by any branch location

• $1,000 minimum; $5,000 maximum
• Can be used as automatic overdraft protection when linked to a Wainwright checking account
• Checks can be ordered to access the line directly
• To apply: Call 800-444-BANK (2265), e-mail consumerloans@wainwrightbank.com or stop by any branch location

*Wall Street Journal Prime Rate is 3.25% as of 12/17/08; a combined $5,000 deposit and loan balance will waive the Personal Relationship Package Value Checking monthly fee; maximum Annual Percentage Rate (APR) is 18%; rates subject to change after consummation; 1-4 family primary residences only; not available for homes currently for sale or intended to be sold within 6 months of loan closing; property insurance required; promotional offer is for new loans only and not for refinancing of existing loans with Wainwright Bank; limited time offer may be withdrawn at any time; consult tax advisor regarding deductibility of interest; no closing cost feature based upon a sufficient property valuation to support the loan amount requested; market appraisal fee, if applicable, will range from $350-$750; a prepayment penalty may apply for lines closed within the first 24 months.

Please note: Our lending area for loans & mortgages is primarily Eastern Massachusetts.