1. Building Lot Loans and Land Loans* (Effective: Wednesday, September 08, 2010)
Program	Term	APR	Monthly Payments per $1000 borrowed
Building Lot Loans	5 years	7.268%	$19.92
	10 years	7.260%	$11.74
	15 years	7.250%	$9.13
	20 years	7.250%	$7.90
Land Loans	5 years	7.268%	$19.92
	10 years	7.260%	$11.74
	15 years	7.250%	$9.13
	20 years	7.250%	$7.90
*Annual Percentage Rate (APR) subject to change. 75% maximum loan-to-value. Minimum equity $5,000. Payments do not include taxes and insurance, if applicable.

2. No Fee Home Equity Loans* (Effective: Wednesday, September 08, 2010)
Program	Term	APR	Monthly Payments per $1000 borrowed
Home Equity LTV 80% Max (No fees. Fixed rate.)	5 years	6.000%	$19.33
	10 years	6.125%	$11.16
	15 years	6.500%	$8.71
	20 years	6.750%	$7.60
*Annual Percentage Rate (APR) subject to change. 1 & 2 family owner occupied. Maximum loan-to-value 80%. Minimum loan $5,000. No condominiums. No homes listed for sale or intended for sale. Payments do not include taxes and insurance, if applicable.

3. No Fee Home Equity Loans* (Effective: Wednesday, September 08, 2010)
Program	Term	APR	Monthly Payments per $1000 borrowed
Home Equity LTV 81% to 90% (No fees. Fixed rate.)	5 years	6.500%	$19.57
	10 years	6.750%	$11.48
	15 years	7.125%	$9.06
	20 years	7.375%	$7.98
*Annual Percentage Rate (APR) subject to change. 1 & 2 family owner occupied. Loan-to-value 81% to 90%. Minimum loan $5,000. No condominiums. No homes listed for sale or intended for sale. Payments do not include taxes and insurance, if applicable.

5. Home Equity Line of Credit* (Effective: Wednesday, September 08, 2010)
Program	APR
HELOC Prime Plus 1% (The APR is variable based on the Prime Rate as published in The Wall Street Journal on the last business day of the month plus 1%.)	4.250%
*Annual Percentage Rate (APR) subject to change. Maximum lifetime interest rate is 18%. New loans only. 1 & 2 family owner occupied. Adequate property insurance is required. Maximum loan-to-value 80%. Minimum loan $10,000. Maximum loan $100,000. Annual fee of $45. A cancellation fee may apply for loans terminated within 3 years of origination date. No homes listed for sale or intended for sale.

6. New & Used Auto Loans* (Effective: Wednesday, September 08, 2010)
Program	Term	APR	Monthly Payments per $1000 borrowed
New Auto (20% down)	1 year	4.750%	$85.49
	2 years	5.750%	$44.21
	3 years	5.750%	$30.31
	4 years	6.250%	$23.60
	5 years	6.500%	$19.57
Used Auto (20% down 3 years old max.)	1 year	5.750%	$85.95
	2 years	5.750%	$44.21
	3 years	5.750%	$30.31
	4 years	6.750%	$23.83
	5 years	6.750%	$19.68
*Annual Percentage Rate (APR) subject to change. Rates are 1% higher for customers who choose not to sign up for automatic payment from a Jewett City Savings Bank checking account.

7. Personal Loans* (Effective: Wednesday, September 08, 2010)
Program	APR	Monthly Payments per $1000 borrowed
Personal -Unsecured (You must maintain a JCSB checking or savings account to obtain this rate.)	11.000%	$88.38
Personal -Unsecured Autopay (You must sign up for automatic payment from a JCSB checking account to obtain this rate.)	10.000%	$87.91
*Annual Percentage Rate (APR) subject to change. Minimum loan $1,000. Monthly payment based on $1,000 for 1 year. Term is restricted to 1 year per thousand borrowed with a maximum of 5 years.