Notes concerning Fixed Rate Mortgages:

• Owner occupied, 1-4 family properties.
• APRs and interest rates shown may vary depending on your credit worthiness and loan-to-value ratio and does not include amounts for taxes and insurance premiums which may increase the payment due.  
• Subject to credit approval.
• APRs are based on a 20% down payment & loan amount up to $750,000.00. 
• Rates subject to change without notice.
• Construction to Permanent mortgages are also available.

Notes concerning Adjustable Rate Mortgages:

• Annual Percentage Rate (APR) may increase after consummation and does not include amounts for taxes and insurance premiums which may increase the payment due.
• 2% cap per adjustment.  6% lifetime cap 
• 1-4 family owner occupied, primary residence and loan amount up to $750,000.00 
• A 30 year amortization period 
• Rates reflect a discount for making automatic payments from a First Ipswich Bank account, without autopay, rate will increase by 0.25% 
• *APRs reflect a discount for making automatic payments from a First Ipswich Bank account. Rates and monthly payments will adjust after the third, fifth or seventh year depending on the loan type selected, and each year thereafter. Rate adjustments are capped at 2% per adjustment and 6% for the life of the loan. Adjusted rates are based on an index of the weekly average yield on United States Treasury Securities adjusted to a constant maturity of one year (as published by the Federal Reserve Board in Selected Interest Rates Publication H15) plus a margin of 2.75%. Rates apply to loans for which there is a 20% down payment for purchases or a maximum of 80% financing for refinances. The payment is for monthly principal and interest only for the first three, five or seven years depending on which loan type selected.
• **Fully Indexed rates and and payment examples are estimates of what could apply for the remaining term of the loan based on the current index. Actual interest rates and payments will adjust in accordance with the terms of the loan.

Notes concerning Home Equity Line of Credit:

Available for 1-4 family owner occupied residences located in our lending market within MA. Maximum loan-to-value (LTV) of 80% of appraised value. Property insurance required. Accounts subject to individual approval. No closing costs except for cooperatives and properties held in a trust. Offers subject to change without notice. See a personal banker for details.

The Annual Percentage Rate (APR) may vary monthly and will be based on the Prime Rate as listed in The Wall Street Journal (Prime) plus a margin. The APR will not be less than 2.99% APR or more than 18.00% APR. As of December 1, 2012 the Prime Rate is 3.25%. The APR will also depend on the amount of the credit line that we approve. For lines of $100,000 to $500,000, the APR will be Prime - .26%, currently 2.99% APR. For credit lines between $50,000 and $99,999, the APR will be Prime + .74%, currently 3.99% APR. For credit lines between $10,000 and $49,999, the APR will be Prime + 1.10%, currently 4.35% APR. All APRs reflect a .26% Autopay discount. In some instances, your APR calculation could result in a fully indexed APR below the minimum APR of 2.99%. If this occurs, your APR will not be less than 2.99%. $40 Annual Fee for Home Equity Line of Credit is waived for first year. Early termination fees apply. Other terms, conditions and restrictions apply.