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A. Fixed Rate Mortgages - Conforming* (Effective: Sunday, July 20, 2008)
Program	Interest Rate	Points	APR	Monthly Payments per $1000 borrowed
10 Year Fixed	6.125%	0	6.125%	$11.16
15 Year Fixed (Minimum Loan amount on No point/No closing cost program is $175,000)	5.375%	2	5.700%	$8.11
	5.875%	1	6.050%	$8.38
	6.125%	0	6.125%	$8.51
	6.500%	No Points No Closing Costs	6.500%	$8.71
20 Year Fixed	6.625%	0	6.625%	$7.53
30 Year Fixed* (Minimum loan amount on No Point/No Closing Cost program is $175,000)	6.125%	2	6.320%	$6.31
	6.250%	1	6.350%	$6.16
	5.990%	0	5.990%	$5.99
	6.875%	No Points No Closing Costs	6.875%	$6.57
40 Year Fixed	7.125%	0	7.125%	$6.31
*Annual Percentage Rate (APR) based on 20% down payment. 5.99% APR requires automatic payment from a North Shore Bank checking account. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best-qualified customers. Property Insurance required. Loan amounts $60,000-$417,000. Other terms and conditions may apply. All 2 unit properties add 1/2 point, all 3-4 unit properties add 1 point.

B. Fixed Rate Mortgages - Jumbo* (Effective: Sunday, July 20, 2008)
Program	Interest Rate	Points	APR	Monthly Payments per $1000 borrowed
30 Year Fixed	6.250%	0	6.250%	$6.16
*Annual Percentage Rate (APR) based on 25% down payment. Automatic payment from a North Shore Bank checking account required. Interest rates are subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best-qualified customers. Property Insurance required. Loan amount - $417,001- $750,000. Due to market fluctuations, interest rates are subject to change at any time and without notice. Other terms and conditions may apply. Other rate/point options available.

C. Adjustable Rate Mortgages* (Effective: Sunday, July 20, 2008)
Program	Interest Rate	Points	APR	Monthly Payments per $1000 borrowed
10/1 ARM	5.750%	1	5.620%	120 payments of   $5.84 240 payments of   $5.54
	5.990%	0	5.690%	120 payments of   $5.99 240 payments of   $5.58
7/1 ARM	5.500%	1	5.410%	84 payments of   $5.68 276 payments of   $5.49
	5.750%	0	5.440%	84 payments of   $5.84 276 payments of   $5.51
5/1 ARM	5.375%	1	5.320%	60 payments of   $5.60 300 payments of   $5.47
	5.625%	0	5.330%	60 payments of   $5.76 300 payments of   $5.49
4/1 ARM	5.250%	1	5.250%	48 payments of   $5.53 312 payments of   $5.45
	5.500%	0	5.250%	48 payments of   $5.68 312 payments of   $5.47
*Annual Percentage Rate (APR) and interest rate based on 20% down payment. Due to market fluctuations, interest rates are subject to change at any time and without notice. Rates may increase after consummation. Property Insurance required. Monthly payments based on 30 year term. Caps are 2% per adjustment 6% lifetime. Maximum Loan amount $417,000.

D. First Time Homebuyer Programs* (Effective: Sunday, July 20, 2008)
Program	Term	Interest Rate	Points	APR	Monthly Payments per $1000 borrowed	Maximum LTV
5/1 ARM	35 years	5.375%	0	5.130%	60 payments of   $5.29 360 payments of   $5.07	90%
10/1 ARM	35 years	5.625%	0	5.380%	120 payments of   $5.46 300 payments of   $5.13	90%
Mass Advantage 97	30 years	6.500%	0	6.500%	360 payments of   $6.32	97%
Mass Advantage 97	40 years	6.625%	0	6.625%	480 payments of   $5.94	97%
**Annual Percentage Rate (APR) and interest rate based on 20% down payment and subject to change without notice. Caps are 2% per adjustment 6% lifetime. Closing costs discounted by $500.00. PMI waived with a 20% down payment. Rates may increase after consummation. Property insurance required. **** For the Mass Advantage programs Annual Percentage Rate (APR) and interest rate based on 20% down payment and subject to change without notice. Income limits apply. Single family properties only. PMI required for loans with less than a 20% down payment.

E. Non-Owner Occupied 1-4 Family Properties - Conforming* (Effective: Sunday, July 20, 2008)
Program	Interest Rate	Points	APR	Monthly Payments per $1000 borrowed
30 Year Fixed	6.750%	1	6.850%	$6.49
	7.000%	0	7.000%	$6.62
15 Year Fixed	6.375%	1	6.550%	$8.65
	6.625%	0	6.625%	$8.78
*Annual Percentage Rate (APR) and interest rate based on 20% down payment. Due to market fluctuations, interest rates are subject to change at any time and without notice. Property Insurance required. Interest rates are subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best-qualified customers. All 2 unit properties add 1/2 point, all 3-4 unit properties add 1 point.

F. Affordable Housing Programs* (Effective: Sunday, July 20, 2008)
Program	Term	Interest Rate	Points	APR	Monthly Payments per $1000 borrowed	Maximum LTV
Home Saver Mortgage	30 years	7.750%	0	7.750%	$7.16	105%
MHFA My Community	30 years	6.750%	0	6.750%	$6.49	97%
	30 years	6.750%	0	6.750%	$6.49	100%
*Annual Percentage Rate (APR) and interest rate based on 20% down payment and subject to change without notice. Income limits apply. Property insurance required. Owner occupied properties only. My Community loans-Single family properties only and PMI insurance required with less than a 20% down payment. Home Saver loans 1-4 family properties and no PMI insurance.

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