1. Variable Annual Percentage Rate (APR) will be based on The Wall Street Journal Prime Rate (Prime) published on the first Bank business day following the 24th of each month. As of 4/1/14, the Prime Rate was 3.25%. Minimum 2.74% APR; maximum 18% APR. If the monthly payment is automatically deducted from an East Cambridge Savings Bank (ECSB) checking/savings account, APR will equal Prime - .51%, currently 2.74% APR. If the monthly payment is not automatically deducted from an ECSB checking/savings account, APR will equal Prime + 1%, currently 4.25% APR. Minimum line $25,000; maximum line $250,000. Appraisal required for all lines. Maximum combined loan-to-value based on appraised value is 75%. No closing costs for lines of $50,000 or greater with draw of $25,000 or greater at account opening. If line is less than $50,000, closing costs may range from $500 to $1,000. The range of appraisal costs to you is $250 to $750. Termination fee equal to ECSB closing costs (approximately $500 to $1,000) applies if the line is closed within the first 24 months. All lines will be assessed a $50 annual fee. Available for 1-4 family owner-occupied Massachusetts properties only. Property insurance required, including flood insurance if applicable. Maximum term is 240 months. Minimum payment of interest-only during the 120 months of line access (draw period). Principal and interest payments during the 120 months of no line access (repayment period). Offer subject to change without notice. Subject to credit approval. 2. To qualify for the $40 gift card, your application for a line up to $49,000 must be approved and funds disbursed. To qualify for the $80 gift card, your application for a line of $50,000 to $99,999 must be approved and funds disbursed. To qualify for the $160 gift card, your application for a line of $100,000 or greater must be approved and funds disbursed. This offer may be discontinued at any time and for any reason. Home Depot is not affiliated with this promotion. Bank NMLS ID #: 441396

A HOME EQUITY LINE

FOR LIFES’S SPECIAL MOMENTS

2.74 APR1Variable

%

1.866.354.ECSB (3272) • www.ecsb.com

HOME EQUITY LINE OF CREDIT

Prime -.51%

YOUR MOMENT BEGINS WITH

GREAT FINANCING.