Spencer Savings Bank

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Rates as of Monday, June 16, 2008
Product Description Points Interest Rate APR Payment per $1,000 Apply

Mortgage Rates - Fixed
First Time Homebuyer - Fixed-MHFA Mass Advantage   0.000 6.625% 6.640% $6.41
30 Yr Fixed Rate Mortgage   0.000 6.750% 6.750% $6.49
30 Yr Fixed Rate Mortgage   1.000 6.500% 6.613% $6.33
30 Yr Fixed Rate Mortgage   2.000 6.250% 6.458% $6.16
20 Yr Fixed Rate Mortgage   0.000 6.750% 6.750% $7.61
20 Yr Fixed Rate Mortgage   1.000 6.500% 6.548% $7.46
20 Yr Fixed Rate Mortgage   2.000 6.250% 6.525% $7.31
15 Yr Fixed Rate Mortgage   0.000 6.250% 6.250% $8.58
15 Yr Fixed Rate Mortgage   1.000 6.000% 6.183% $8.44
15 Yr Fixed Rate Mortgage   2.000 5.750% 6.090% $8.31
10 Yr Fixed Rate Mortgage   0.000 6.250% 6.250% $11.23
10 Yr Fixed Rate Mortgage   1.000 6.000% 6.258% $11.11
10 Yr Fixed Rate Mortgage   2.000 5.750% 6.230% $10.98

Mortgage Rates - Adjustable
First Time Homebuyer - Adjustable-SSB 5/1 ARM   0.000 5.500% 5.500% $5.68
3 Yr Fixed then 1 Yr Adjustable   0.000 5.000% 5.579% $5.37
5 Yr Fixed then 1 Yr Adjustable   0.000 5.500% 5.972% $5.68

Construction Loans
3 Yr Fixed 1 Yr Adjustable   0.000 5.250% 5.685% $5.53
5 Yr Fixed 1 Yr Adjustable   0.000 5.750% 6.118% $5.84
15 Yr Fixed - Not Available
30 Yr Fixed - Not Available
1 Yr Adjustable - Not Available

Consumer Loans

Home Equity Loans
HE Line of Credit   0.000 3.990% 3.990% $10.12
HE Fixed Loan   0.000 6.450% 6.450% $11.33
Home Improvement Loan   0.000 6.450% 6.450% $11.33
HE Adjustable Loan - Not Available

Land Loans
Fixed Rate Land Loan   0.000 9.500% 9.500% $10.45

Personal Loans
Personal Loan   0.000 12.500% 12.500% $33.46
Personal Loan 30/60/90   0.000 12.500% 12.500% $33.46

Auto Loans
Auto Loan (2007-2008) 48 Mos   0.000 5.990% 5.990% $23.49
Auto Loan (2007-2008) 60 Mos   0.000 6.290% 6.290% $19.47
Auto Loan (2007-2008) 72 Mos   0.000 6.790% 6.790% $16.95
Auto Loan (2006-2004) up to 36 Mos   0.000 6.290% 6.290% $30.56
Auto Loan (2006-2004) up to 48 Mos   0.000 6.590% 6.590% $23.76
Auto Loan (2006-2004) up to 60 Mos   0.000 6.790% 6.790% $19.71
Auto Loan (2003-) up to 36 Mos   0.000 7.290% 7.290% $31.01
Auto Loan (2003- ) up to 48 Mos   0.000 7.790% 7.790% $24.32

Motorcycle Loans
Motorcycle - New - 48 Mos   0.000 9.750% 9.750% $25.25
Motorcycle - New - 60 Mos   0.000 10.250% 10.250% $21.38
Motorcycle - Used - 48 Mos   0.000 10.750% 10.750% $25.73

Recreational Vehicle or Boat Loans
New 48 Mos   0.000 9.750% 9.750% $25.25
New 60 Mos   0.000 10.250% 10.250% $21.38
Used 48 Mos   0.000 10.750% 10.750% $25.73

APR is based on 100,000.00. mortgage, 30 years.