Home Equity Line Rates*

Home Equity LineLine AmountAPR's as low asMaximum TermPayment Per Thousand as low as
Owner-Occupied Residencebased on valuePrime plus 0.24% for Life (Presently 3.49%) Rate Floor 3.99% - see belowrevolving$3.28
**The Annual Percentage Rate (APR) quoted is the lowest rate available as of July 13, 2009. Your actual APR will be determined based on Property Type, Loan Amount, Loan to Value Ratio and Credit History. Subject to credit approval. APR is subject to change and may increase after consummation. In no event will the corresponding APR be less than 3.99% per annum or more than the lesser of 18.00% or the maximum rate allowed by applicable law. Rates include monthly automatic repayment feature from a Rockland Trust checking account. Other loan programs for this type of credit are offered by Rockland Trust that do not include automatic repayment features. Rates may be higher for applicants who do not meet minimum draw requirements at closing. Rates only available for 1 to 4 family owner occupied properties with a combined loan to value ratio (CLTV) of 80% or less as determined by an on-line statistical appraisal acceptable to Lender. If the line amount exceeds $250,000 or an on-line value is not available, a certified property appraisal may be required. See a banker for details. Hazard insurance is required. Flood insurance may be required. For line amounts less than $25,000, a $350 application fee will be charged. If you pay off the entire balance and close your line of credit account within 24 months of closing, a $500 early cancellation fee may be charged.
Rates effective 07/14/2009

Home Equity Loan Rates*

$25,000-<$50,000$50,000-<$75,000$75,000-<$150,000$150,000+
5 years
Payment Per Thousand		5.99% APR
$19.32
5.59% APR
$19.14
5.25% APR
$18.98
5.25% APR
$18.98
10 years
Payment Per Thousand		6.19% APR
$11.19
5.89% APR
$11.04
5.49% APR
$10.84
5.49% APR
$10.84
15 years
Payment Per Thousand		7.09% APR
$9.03
6.59% APR
$8.75
5.99% APR
$8.43
5.99% APR
$8.43
20 years
Payment Per Thousand		7.19% APR
$7.86
7.09% APR
$7.80
6.25% APR
$7.30
6.25% APR
$7.30
**The Annual Percentage Rate (APR) quoted is the lowest rate available as of February 22, 2010. Your actual APR will be determined based on Property Type, Loan Amount, Loan to Value Ratio and Credit History. Subject to credit approval. Rates include monthly automatic repayment feature from a Rockland Trust checking account. Other loan programs for this type of credit are offered by Rockland Trust that do not include automatic repayment features. Rates only available for 1 to 4 family owner occupied properties with a combined loan to value ratio (CLTV) of 80% or less as determined by an on-line statistical appraisal acceptable to Lender. If the loan amount exceeds $250,000 or an on-line value is not available, a certified property appraisal may be required. See a banker for details. Hazard insurance is required. Flood insurance may be required. For loan amounts less than $25,000, a $350 application fee will be charged. If you pay off the loan early, you may be required to pay a prepayment penalty.
Rates effective 02/22/2010