*Variable Annual Percentage Rate (APR) is effective as of 8/7/2026 and subject to change. The APR will be based on The Wall Street Journal Prime Rate (Prime) published on the last business day of each month. As of 7/1/26, the Prime Rate was 6.75%. Minimum 4.99% APR; maximum 18% APR. If the monthly payment is automatically deducted from an East Cambridge Savings Bank (ECSB) checking/savings account, APR will equal Prime - .51%, currently 6.24% APR. If the monthly payment is not automatically deducted from an ECSB checking/savings account, APR will equal Prime + 1%, currently 7.75% APR. Minimum line $25,000; maximum line $250,000. Maximum combined loan-to-value based on satisfactory value of the property as determined by East Cambridge Savings Bank equaling 75%. Early termination fee equal to ECSB closing costs (approximately $0 to $900) applies if the line is closed within the first 24 months. An annual fee of $50.00 will be charged to your account annually during the Draw period in the Monthly Statement Period ending in your anniversary month which we assign to your Credit Account. Available for 1-4 family owner-occupied properties in Massachusetts only. Property insurance required, including flood insurance if applicable. Properties where title is held in trust are not eligible. Maximum term is 300 months. Minimum payment of interest-only during the 120 months of line access (draw period). Principal and interest payments during the 180 months of no line access (repayment period). Other restrictions may apply. Offer subject to change without notice. Subject to credit approval. Bank’s NMLS ID #441396.