HOME EQUITY LOANS
	FIXED RATE
	Owner Occupied
	No Application Fee
	Loan to Value Ratio of 80% or less.
					Monthly Payment
	AMOUNT	RATE	APR*	TERM	of Principal and Interest*
	$5,000 - $24,999.99	6.250%	6.250%	60 months	$486.23
		6.625%	6.625%	120 months	$285.46
		7.000%	7.000%	180 months	$224.71
	$25,000 - $100,000.00	5.750%	5.750%	60 months	$480.42
		5.990%	5.990%	120 months	$277.43
		5.990%	5.990%	180 months	$210.83
	*APR based on a loan amount of $25,000.00. Monthly payments based on 25,000.00 loan amount for rates and terms stated above.
	Payments do not include taxes and insurance.
	FOR MORE INFORMATION AND APPLICATIONS ONLINE CLICK HERE
	HOME EQUITY LINE OF CREDIT
	Primary Residence - Owner - Occupied
	Interest Only Line of Credit
		No Application Fee
		Maximum Loan to Value Ratio up to 70.0%
		Variable Rate Products of $100,000.00 or less
		PROPERTY INSURANCE IS REQUIRED
				As Low As	Current Regular Rate
	L.T.V. Ratio = 60.0% or less, Margin = 0.00%			2.99% APR	4.50% APR
	L.T.V. Ratio = 70.0% or less, Margin = 0.00%			3.25% APR	4.50% APR
	*2.99% Annual Percentage Rate (APR) if combined loan-to-value is equal to 60.0% or less. 3.25% APR if loan-to-value is 60.01%-70.0%. The APR is variable after the first six months and will be established based on an Index PLUS a margin. The Index is the highest United States Prime Rate as published in the Eastern Edition of the Wall Street Journal on the last business day before the start of each month's billing cycle. As of 1/20/12 that Prime Rate was 3.25%. The maximum APR is 18.00%. Owner occupied homes only. An active Chelsea Groton Bank checking account is required with direct deposit. In the event that a checking account is not held by the individual taking the loan, and the required direct deposit is not maintained, the APR will be set at 4.50%. There is an annual maintenance fee of $50. Minimum line amount is $25.000. Maximum line amount is $100,000. Terms of this offer are subject to change without notice. Rates effective 01/20/12 and are subject to change daily and without notice. Homeowners insurance is required. Subject to credit approval.
	**Prepayment penalty applies in the first 3 years. The minimum payment each month will be equal to only the interest during the borrowing period of 9 years and 8 months and then will convert into a repayment period of 15 years.
	**CT Prepayment Penalty: 1st 12 complete billing cycles: $700.00. Next 12 complete billing cycles: $500.00. Next 12 complete billing cycles: $300.00
	**RI Prepayment Penalty: 1st 12 complete billing cycles: 2.0% of balance due on date of Pay-off.
	ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE.
	SUBJECT TO CREDIT APPROVAL
	www.chelseagroton.com                                           Rates Effective 01/20/12