Whatever your lending needs may be, our experienced staff can guide you through the loan process quickly and easily.

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Automobile Loans* (Effective: Saturday, May 17, 2008)
Program	Term	APR	Monthly Payments per $1000 borrowed
New Autos (2008 & 2009)	24 months	6.49%	$44.55
	36 months	6.49%	$30.65
	48 months	6.49%	$23.72
	60 months	6.49%	$19.57
Used Autos (2003 - 2007)	24 months	6.99%	$44.78
	36 months	6.99%	$30.88
	48 months	6.99%	$23.95
*Annual Percentage Rate (APR) includes a discount for automatic payment from a North Shore Bank checking account. Other rates and terms may apply. Rates are subject to change without notice. Maximum LTV 90%.

Freedom Flex Equity Line * (Effective: Saturday, May 17, 2008)
Program	APR
Prime - .50%	4.50%
*Rates/offer subject to change without notice. This is a variable rate based on the prime rate as published in the Wall Street Journal consisting of interest only payments for the first 10-years of the line. At the end of the interest only period you will still owe the original amount you borrowed and your monthly payments will increase because you must pay back the principal as well as interest. Your payment could increase even more if your variable interest rate increases. As of 05/01/08 the Wall Street Journal Prime Rate was 5.00%. 1-4 family owner occupied properties only. New loans only. Automatic payment from a North Shore Bank checking account required. Minimum loan $10,000 Maximum loan $250,000. Property insurance is required and flood insurance may be required. 75% maximum combined loan-to-vale based on tax assessed value; otherwise an appraisal fee of $275-$300 is required. Early termination fee of $500 for equty line of credit closed in the first 36 months. No annual fee. Consult tax advisor regarding the deductibility of interest. Other rates and terms available. Maximum APR is 18%. Customers have the option of converting funds from their outstanding equity line to a fixed rate loan subject to terms and conditions. You have the flexibility to create up to 5 loans at any given time with a minimum advance of $10,000. Rates can be locked for a maximum term of up to 10 years.

Home Equity Loans* (Effective: Saturday, May 17, 2008)
Program	Term	APR	Monthly Payments per $1000 borrowed
Home Equity Loan	5 years	6.00%	$19.34
	10 years	6.25%	$11.23
	15 years	6.50%	$8.71
	20 years	6.62%	$7.53
*Rates/offer subject to change without notice. 1-4 family owner occupied properties only. New loans only. Automatic payment from a North Shore Bank checking account required. Minimum loan $50,000 for 20 year term. Minimum loan $10,000 for 5, 10 and 15 year terms. Maximum loan all terms is $250,000. Property insurance is required and flood insurance may be required. 75% maximum combined loan-to-vale based on tax assessed value; otherwise an appraisal fee of $275-$300 is required. Early termination fee may apply. No annual fee. Consult tax advisor regarding the deductibility of interest. Other rates and terms available.

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If you have any questions about our products and services, please use our Information Request Form, or call (978) 538-7000 to speak with one of our Customer Service Representatives. We will be happy to answer your questions and assist you in selecting the products and services that best meet your financial needs.