East Boston Savings Bank

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EBSB Receives Two Top Lender Recognitions from the U.S. Small Business Administration

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Phone: 1-800-657-EBSB | Contact Form | 24-Hour Phone Banking: 1-866-774-7705

**APR (Annual Percentage Rate) as of 9/24/10. 3.99% APR for years 1 and 2. 5.99% APR for years 3, 4 and 5. 5 year ARM tied to FHLB+275 bps. Maximum loan to value 70%. Debt service coverage 1.25 or better. Prepayment penalty 2%, 2%, 2%, 1%, 1%.

East Boston Savings Bank has chosen not to participate in the FDIC's Transaction Account Guarantee Program. Customers of East Boston Savings Bank with non-interest-bearing transaction accounts will continued to be insured up to $250,000 under the FDIC's general deposit insurance rules.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS- All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, and Interest on Lawyers Trust Accounts ("IOLTAs").

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.