HOME EQUITY LOAN RATES WEEK OF: AUGUST 26, 2008 LOAN TYPE RATE APR ADDITIONAL INFORMATION HOME EQUITY LINE OF CREDIT 6.000* 6.000 WALL STREET JOURNAL PRIME RATE, FLOATING ON A MONTHLY BASIS PUBLISHED WALL STREET JOURNAL PRIME RATE (5.00% as of 5/01/08) *CURRENT FLOOR RATE FOR NEEDHAM BANK: 6.00% 10 YEARS-FIXED RATE 6.500** 6.500 PRINCIPAL AND INTEREST PAID MONTHLY. **120 MONTHS $11.35 PER MONTH PER $1000.00 15 YEARS-FIXED RATE 6.750** 6.750 PRINCIPAL AND INTEREST PAID MONTHLY. **180 MONTHS $8.85 PER MONTH PER $1000.00 LINE OF CREDIT *LINE OF CREDIT BASED ON WALL STREET JOURNAL PRIME RATE, NO ANNUAL FEES, RATE VALID FOR NEW HOME EQUITY LINES ONLY ON PRIMARY AND SECONDARY RESIDENCE. CLOSING COSTS RANGE FROM $500.00-$900.00. BANK WILL CREDIT $500.00 TOWARDS CLOSING COSTS FOR A PRIMARY RESIDENCE ONLY. EARLY TERMINATION FEE ($500.00) APPLIES IF LINE OF CREDIT IS PAID OFF WITHIN 24 MONTHS. LINE OF CREDIT MADE UP OF 10 YEAR DRAW PERIOD FOLLOWED BY A 10 YEAR PAYMENT PERIOD.LOAN AMOUNTS: MINIMUM OF $25,000.00 TO MAXIMUM OF $500,000.00. MAXIMUM APR OF 18%. PROPERTY INSURANCE REQUIRED. FIXED RATE LOAN AMOUNTS: MINIMUM OF $25,000.00 TO MAXIMUM OF $500,000.00. MAXIMUM APR 18%. PROPERTY INSURANCE REQUIRED. FOR FURTHER INFORMATION PLEASE CALL 781-444-2100 To help the government fight the funding of terrorism and money laundering activities, Federal Law requires us to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask your name, address, date of birth, and other information that will allow us to identify you. We will ask to see your driver's license or other identifying document.     INTEREST RATES ARE SUBJECT TO CHANGE AT THE DISCRETION OF THE BANK.