Kennebec Savings Bank...207-622-5801

Loans
Loan Type	Max Term	APR	Cost per $1,000 borrowed
Unsecured $1,000 - $5,000	36 months	12.00%	$33.21
Secured: KSB Passbook	60 months*	5.00%	$18.87
KSB Money Market	60 months*	6.50%	$19.57
U.S. Governments	60 months*	7.75%	$20.16
AAA - Rated Bonds	60 months*	7.75%	$20.16
Listed Stocks	60 months*	7.75%	$20.16
KSB Certificate of Deposit	varies	CD Rate + 2.00%	varies
Home Equity Loan	5 years or less	7.25%	$19.92
	5 to 10 years	7.50%	$11.87
	10 to 15 years	7.75%	$9.41
*Up to 1 year time note or up to 60 months amortized

Home Equity Line of Credit
Loan Type	Max Term	Rate	Cost per $1,000 borrowed
Lines (Open-End)	Revolving	8.25%*	varies
	Revolving	9.25%**	varies
Prime + zero% adjusted monthly (with Premier checking account) *Prime + 1.0% adjusted monthly (without a Premier checking account)

Effective Date: July 1, 2009

Augusta Lenders	Waterville Lenders	Winthrop Lenders
Gary Lapierre Bill Hill Tracy Plourde George Diplock Mark Stebbins Craig Garofalo	David Roy Tracy Warren Kevin Brunelle	Matt Dwyer Michelle Richardson
150 State Street, Augusta 622-5801	226 Main Street, Waterville 872-5563	84 Main Street, Winthrop 377-5801

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FDIC

Equal Housing Lender

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