You need funds in one lump sum to make home improvements or repairs.

What it offers:		Use funds to make home repairs or improvements A fixed rate and payment plan for the entire term of the loan to make budgeting easier Borrow up to $200,000 Borrow up to 80% based on combine loan to value
Property Type:		Owner occupied 1-4 family located in Massachusetts or New Hampshire
Terms:		1 - 15 years

Second Mortgage Loan effective through May 13, 2008
	Term Annual Rate Annual Percentage Rate Monthly P&I per $1,000 1-10 Years 5.75% 5.75% $10.98 11-15 Years 6.00% 6.00% $8.44 The Loan will be secured by a second mortgage on the borrower's primary residence (1-4 family). The borrower's existing mortgage loan does not have to be with East Boston Savings Bank. 80% max combine Loan To Value (LTV).

* (P&I) Principal and Interest
If you have any questions about East Boston Savings Bank's residential loans or services, please contact our Call Center at (800) 657-3272, or click "Contact Us" to e:mail our Residential Lending Division.