Consumer Loan Rates

(subject to change without notice;lending
area limited to MA,RI and Northern CT)

Home Equity Loan
Combination of first mortgage with equity loan may not exceed $500,000 to qualify for rates below, the maximum LTV is 80%. Maximum loan amount is $300,000. No application or processing fees. Rate reduced 1/4% on all equity loans with automatic loan payment from MFS&LA deposit account. Available only for owner occupied 1-2 family residence.(Registry recording fees will apply.)

Annual Percentage Rate	Max. Term	Payment per $1,000
5.75%	60 months	$19.22
5.99%	120 months	$11.10
6.24%	180 months	$ 8.57
6.75%	240 months	$ 7.60

Home Equity Line of Credit
Rate equals Prime plus 0% for life of loan.
(Rate subject to change after origination)
Combination of first mortgage with equity line may not exceed $500,000 to qualify for rates above, maximum loan amount is $300,000, the maximum LTV is 80%. No application or processing fees. Available only for owner occupied 1-2 family primary residence.(Registry recording fees will apply.)

Home Improvement Loans
5/5 Adjustable rate home improvement loans.
Secured 1 family, maximum loan $50,000, maximum term 20 years.
Secured 2-4 family, maximum loan $50,000, maximum term 15 years.
Unsecured home improvement loan, maximum loan $5,000, maximum term 5 years.
Home Improvement loans in excess of 80% LTV must be board approved. Rate reduced 1/4% on all home improvement loans with automatic loan payment from MFS&LA deposit account.

Annual Percentage Rate	Max. Term	Payment per $1,000
6.99%	240 months	$7.75

Motor Vehicle Loans
Fixed rates shown below. Annual adjustable rate loans available at 1/2% below. Rate for adjustable motor vehicle loan may increase after first year. Rates reduced 1/4% on all motor vehicle loans with automatic loan payment from MFS&LA deposit account.

Description	Year	Annual Percentage Rate	Max. Term	Payment per $1,000
New Vehicle*	2008/2007	5.75%	48 months	$23.37
-	-	5.99%	60 months	$19.33
-	-	6.25%	72 months	$16.69
- Used Vehicle**	2007	7.125%	60 months	$ 19.86
-	2006	7.125%	54 months	$ 21.70
-	2005	7.125%	48 months	$ 24.00
-	2004	7.125%	42 months	$ 26.97
-	2003	7.125%	36 months	$ 30.93
-	2002/2001	7.125%	24 months	$ 44.83

*Minimum down payment 25% of sticker price
100% financing available at 1% higher with minimum FICO score of 720.
**Minimum down payment $1,000 or equivalent trade in

Personal Unsecured Loans
Maximum loan amount $10,000 for 5 years.Adjustable Rate may increase after first year
Rate reduced 1/4% on all personal loans with automatic loan payment from MFS&LA deposit account.

Annual Percentage Rate	Max. Term	Payment per $1,000
12.25%	36 months	$33.00

Stock Secured Loans
Maximum loan 75% of current listed value

Annual Percentage Rate	Max. Term	Payment per $1,000
8.00%	120 months	$12.10

Other Rate Pages: Mortgage Loans, Deposits