Rates

Deposit Rates
Consumer Loan Rates
Residential Lending Rates
Mass Housing Rates

Deposit Rates

Deposit Account Rates

Checking

Account	Interest Rate	APY	Minimum Deposit to Open	Minimum Balance to Obtain APY*
Totally Free Checking: 50+ Free Interest Checking**	0.03%	0.03%	$1^†	$1
Totally Free Checking: VIP Free Interest Checking**	0.03%	0.03%	$1^†	$1
Higher Yield Checking**	0.10%	0.10%	$1^†	$1
	0.20%	0.20%		$1,500
Money Market**	0.20%	0.20%	$1,000	$10
	0.30%	0.30%		$1,000

Savings

Account	Interest Rate	APY	Minimum Deposit to Open	Minimum Balance to Obtain APY*
Totally Free Savings**	0.15%	0.15%	$10	$10

Certificates of Deposit

Account	Interest Rate	APY	Minimum Deposit to Open	Minimum Balance to Obtain APY*
91 Day	0.25%	0.25%	$1,000	$10
6 Month	0.35%	0.35%	$1,000	$10
6 Month Flex	0.35%	0.35%	$1,000	$10
7 Month Special	3.00%	3.04%	$500	$10
9 Month Special	4.00 %	4.07 %	$500	$10
12 Month	0.40%	0.40%	$1,000	$10
14 Month Special	4.00%	4.07%	$500	$10
18 Month	0.45%	0.45%	$1,000	$10
24 Month	0.50%	0.50%	$1,000	$10
30 Month	0.55%	0.55%	$1,000	$10
36 Month	0.60%	0.60%	$1,000	$10
48 Month	0.70%	0.70%	$1,000	$10
60 Month	0.80%	0.80%	$1,000	$10

Individual Retirement Accounts

Account Type	Interest Rate	APY	Minimum Deposit To Open	Minimum Balance to Obtain APY*
Totally Free Savings**	0.20%	0.20%	$10	$10
6 Month	0.35%	0.35%	$1,000	$10
7 Month Special	3.00%	3.04%	$500	$10
9 Month Special	4.00 %	4.07 %	$500	$10
12 Month	0.40%	0.40%	$1,000	$10
14 Month Special	4.00%	4.07%	$500	$10
18 Month	0.45%	0.45%	$1,000	$10
24 Month	0.50%	0.50%	$1,000	$10
30 Month	0.55%	0.55%	$1,000	$10
36 Month	0.60%	0.60%	$1,000	$10
48 Month	0.70%	0.70%	$1,000	$10
60 Month	0.80%	0.80%	$1,000	$10

† Suggested minimum deposit to open.

*Daily balance - the amount of principal in the account each day.
**Rate may change after opening.
Penalties for early withdrawal on CD's may be imposed. Fees could reduce the earnings on the above accounts.
Rates are subject to change anytime.

Consumer Loan Rates

Printer-Friendly Rate Sheet

Equity Credit Lines

Max Combined Loan-to-Value	Max Term	Margin	Min Annual Percentage Rate/Floor	Max Annual Percentage Rate	Fixed for the First Year Annual Percentage Rate***	Fully Indexed Annual Percentage Rate*
80%	15 Years	0%	0.00%	15%	3.990%	8.250%

Minimum Loan Amount $25,000.00
Rates Subject to Increase After Consummation.

*WSJ / Wall Street Journal Prime.

***Interest Rate Fixed for the first year then floating with WSJ prime.
Making minimum required payments will result in a balloon balance falling due at loan maturity.

No closing costs with automatic loan payment from a Greenfield Savings Bank
checking account on loans up to $250,000**
Closing costs range between $811.00-$1,117.00.

Early termination fee applies.

Equity Loans

Terms and Interest Rates for a Greenfield Savings Bank first mortgage only

Maximum loan amount $100,000.00

Max Combined Loan-to-Value	Max Term	Index	Margin	Max Annual Percentage Rate	Annual Percentage Rate	Monthly Payments per $1,000
80%	10 Years	Fixed	n/a	n/a	5.750%	120 monthly payments of $10.98

Terms and Interest Rates for a Greenfield Savings Bank first mortgage or

second mortgage behind a Greenfield Savings Bank first mortgage.

Max Combined Loan-to-Value	Max Term	Index	Margin	Max Annual Percentage Rate	Annual Percentage Rate	Monthly Payments per $1,000
80%	5 Years	Fixed	n/a	n/a	5.750%	60 monthly payments of $19.22
80%	10 Years	Fixed	n/a	n/a	5.875%	120 monthly payments of $11.04
80%	15 Years	Fixed	n/a	n/a	6.125%	180 payments of $8.51
80%	20 Years	Fixed	n/a	n/a	6.500%	240 payments of $7.46

Terms and Interest Rates for a second mortgage

behind a NON Greenfield Savings Bank first mortgage.

Max Combined Loan-to-Value	Max Term	Index	Margin	Max Annual Percentage Rate	Annual Percentage Rate	Monthly Payments per $1,000
80%	5 Years	Fixed	n/a	n/a	6.250%	60 monthly payments of $19.45
80%	10 Years	Fixed	n/a	n/a	6.375%	120 monthly payments of $11.29
80%	15 Years	Fixed	n/a	n/a	6.625%	180 payments of $8.78
80%	20 Years	Fixed	n/a	n/a	7.000%	240 payments of $7.75

Minimum Loan Amount $25,000.00

No closing costs with automatic loan payment from a Greenfield Savings Bank

checking account on loans up to $250,000**

Closing costs range between $811.00 - $1,117.00

Payments do not include Real Estate Taxes & Insurance. The actual payment obligation may be greater.
**Loan amounts over $250,000.00 will require full title, title insurance and a municipal lien certificate.

Closing costs vary depending on loan amount.

For example, closing costs on an estimated loan amount of $275,000.00 range from $1,957.00 - $2,263.00.

A Lender credit will be applied ranging between $811.00 - $1,117.00 with automatic loan payments from Greenfield Savings Bank checking account

All Loans Subject to Credit Approval.

THE BANK RESERVES THE RIGHT TO CHANGE THE RATE AND TERMS OF MORTGAGE PROGRAMS WITHOUT NOTICE.

Loan Origination Company Identifier #409187

Residential Lending Rates

Printer-Friendly Rate Sheet

Residential Lending Rates

Purchase Special: Purchase for 1-4 Family Owner Occupied Properties

Product Description	Rate	Maximum Term	Discount Points	Annual Percentage Rate	Monthly Payments	Payments Per $1,000
30-Year Fixed	5.990%	30 Years	0	6.059%	360	$5.99
30-Year Fixed Bi-Weekly *	5.990%	30 Years	0	6.042%	360	$2.99

Offer good on purchases of owner occupied 1-4 family properties. Payments do not include Real Estate Taxes & Insurance. The actual payment obligation may be greater. Your rate may be subject to increase based on credit, loan to value, property type, appraisal review, and other factors and may be different than the rates posted. The bank reserves the right to change the rate and terms of mortgage programs without notice. The above products will be available for 90 days from the date a completed application is received by the bank. Annual percentage rates (APRs) listed above are based on a $250,000 loan amount and a 20% down payment. Rates are effective as of the date of this post. Please call our mortgage professionals for more information. *Automatic loan payment required from a GSB checking account for Bi-weekly mortgages.

Fixed Rate Products for 1-4 Family Owner Occupied Properties

Product Description	Rate	Maximum Term	Discount Points	Annual Percentage Rate	Monthly Payments	Payments Per $1,000
30-Year Fixed	6.250%	30 Years	2	6.516%	360	$6.16
	6.375%	30 Years	1	6.545%	360	$6.24
	6.500%	30 Years	0	6.573%	360	$6.32

20-Year Fixed	6.000%	20 Years	2	6.347%	240	$7.16
	6.125%	20 Years	1	6.346%	240	$7.24
	6.250%	20 Years	0	6.345%	240	$7.31

15-Year Fixed	5.625%	15 Years	2	6.054%	180	$8.24
	5.750%	15 Years	1	6.021%	180	$8.30
	5.875%	15 Years	0	5.990%	180	$8.37

10-Year Fixed	5.500%	10 Years	0	5.658%	120	$10.85

Payments do not include Real Estate Taxes & Insurance. The actual payment obligation may be greater. Your rate may be subject to increase based on credit, loan to value, property type, appraisal review, and other factors and may be different than the rates posted. The bank reserves the right to change the rate and terms of mortgage programs without notice. The above products will be available for 90 days from the date a completed application is received by the bank. Annual percentage rates (APRs) listed above are based on a $250,000 loan amount and a 20% down payment. Rates are effective as of the date of this post. Rates may be subject to change without notice. Please call our mortgage professionals for more information.

Fixed Rate Bi-Weekly Products for 1-4 Family Owner Occupied Properties*

Product Description	Rate	Maximum Term	Discount Points	Annual Percentage Rate (APR)	Monthly Payments	Payments Per $1,000
30-Year Bi-Weekly	6.250%	30 Years	2	6.521%	360	$3.08
	6.375%	30 Years	1	6.537%	360	$3.12
	6.500%	30 Years	0	6.553%	360	$3.16

20-Year Bi-Weekly	6.000%	20 Years	2	6.348%	240	$3.58
	6.125%	20 Years	1	6.333%	240	$3.62
	6.250%	20 Years	0	6.318%	240	$3.65

15-Year Bi-Weekly	5.625%	15 Years	2	6.054%	180	$4.12
	5.750%	15 Years	1	6.006%	180	$4.15
	5.875%	15 Years	0	5.959%	180	$4.19

10-Year Bi-Weekly	5.500%	10 Years	0	5.617%	120	$5.43

*Requires Automatic Loan Payment from a Greenfield Savings Bank Checking Account. Payments do not include Real Estate Taxes & Insurance. The actual payment obligation may be greater. Your rate may be subject to increase based on credit, loan to value, property type, appraisal review, and other factors and may be different than the rates posted. The bank reserves the right to change the rate and terms of mortgage programs without notice. The above products will be available for 90 days from the date a completed application is received by the bank. Annual percentage rates (APRs) listed above are based on a $250,000 loan amount and a 20% down payment. Rates are effective as of the date of this post. Rates may be subject to change without notice. Please call our mortgage professionals for more information.

Purchase Special

Product Description	Rate	Maximum Term	Margin	Discount Points	Annual Percentage Rate (APR)	Payments Per $1,000	Monthly Payments	Payments Per $1,000 (Fully Indexed)
10/1 Adjustable Rate Mortgage*	4.875%	30 Years	3.000%	0	6.062%	$5.29	360	$6.90

*Rates subject to increase after consummation. ARM Caps 2% per adjustment / 5% lifetime. Rates and payments subject to adjust after the first 10 years and annually thereafter. Certain adjustable rate loans may require that new borrowers attend a Home Buyer's Counseling Program and sign an OPT in form for certain adjustable rate products. Please see a mortgage professional at Greenfield Savings Bank for more details.

The Adjustable Rate Indices Used Are: 1 Year Treasury constant maturity weekly average for a 1 Year Review-Index: 5.250%

Adjustable Rates for 1-4 Family Owner Occupied Properties

Product Description	Rate	Maximum Term	Margin	Annual Percentage Rate (APR)	Payments Per $1,000	Monthly Payments	Payments Per $1,000 (Fully Indexed)
5/1 Adjustable Rate Mortgage*	4.750%	30 Years	2.750%	6.694%	$5.22	360	$7.05
7/1 Adjustable Rate Mortgage*	4.875%	30 Years	2.875%	6.458%	$5.29	360	$7.01
10/1 Adjustable Rate Mortgage*	5.000%	30 Years	3.250%	6.217%	$5.37	360	$7.03

*Rates subject to increase after consummation. ARM Caps 2% per adjustment / 5% lifetime. Rates and payments subject to adjust after the first 5/7/10 years and annually thereafter. Certain adjustable rate loans may require that new borrowers attend a Home Buyer's Counseling Program and sign an OPT in form for certain adjustable rate products. Please see a mortgage professional at Greenfield Savings Bank for more details.

The Adjustable Rate Indices Used Are: 1 Year Treasury constant maturity weekly average for a 1 Year Review-Index: 5.250%

Fixed Rate Land Loans*

Product Description	Rate	Maximum Term	Discount Points	Annual Percentage Rate	Monthly Payments	Payments Per $1,000
15-Year Fixed Rate	6.625%	15 Years	0	6.742%	180	$8.78

*Buildable Lot with Satisfactory Perc Test or Town Water/Sewer.

Loan Origination Company Identifier #409187

Mass Housing Rates

Printer-Friendly Rate Sheet

Residential Lending Rates

Mass Housing Partnership

Subject to Mass Housing Partnership Guidelines
60 Day Rate Lock

Product Description	Minimum Down Payment	Rate	Maximum Term	Points	Annual Percentage Rate (APR)	Monthly Payments	Payments Per $1,000
Mass Housing Partnership - First Time Homebuyer Program *	3%	6.375%	30 Years	0	6.447%	360	$6.24

* Available only to Mass Housing Partnership-eligible borrowers. Eligibility subject to income limits. Rates shown are for owner-occupied, primary residence purchases, and are subject to change at any time. Rates and monthly payment per $1,000 borrowed assume a FICO score of 660; a 3.0% down payment; a loan amount of $250,000; and include principal and interest only. Monthly payment does not include taxes, insurance, and, if applicable, estimated homeowners' association dues. Your actual payment will be greater. Completion of a homebuyer education course will be required. All loans subject to credit approval.

Mass Housing Products

Product Description	Minimum Down Payment	Rate	Maximum Term	Points	Annual Percentage Rate (APR)	Monthly Payments	Payments Per $1,000
Mass Housing Mortgage: First Time Homebuyer	3%	7.250%	30 Years	0	7.348%	360	$6.82
Mass Housing Mortgage: First Time Homebuyer with Down Payment Assistance	0%	7.250%	30 Years	0	7.348%	360	$6.82

Available only to MassHousing-eligible borrowers. Eligibility subject to income limits and loan limits. Rates shown are for single-family & condominium, owner-occupied, primary residence purchases, and are subject to change at any time. Rates for refinances may be different. Rates and monthly payment per $1,000 borrowed assume a FICO score of 680; a 3.0% down payment; a loan amount of $250,000; and include principal and interest only. Monthly payment does not include taxes, insurance, and, if applicable, estimated mortgage insurance or homeowners' association dues. Your actual payment will be greater. MassHousing maximum loan amount is $726,200. MassHousing loans require mortgage insurance and 3.0% minimum down payment and escrow for Real Estate Taxes and Insurance maybe required. Completion of a homebuyer education course may be required. All loans subject to credit approval. Additional products, rates and terms are available. Non-first-time homebuyer rate also available upon request.

Homeowner Septic Repair, Home Improvement and Get The Lead Out loan programs also available.
Please contact a mortgage officer for more information.

Mass Save^® Heat Loans
Greenfield Savings Bank has joined The Mass Save^® HEAT Loan Program to offer qualified customers the opportunity to apply for an interest free loan for installing energy efficient heating Improvements in their homes for up to $25,000 To qualify you must have: * A completed Mass Save^® Energy Assessment * A contractor proposal and associated documents for eligibility * A Mass Save^® HEAT Loan Authorization Form To learn more about Mass Save^® HEAT Loans, visit their website at masssave.com or give us a call at 413-775-8200. You may also call (866) 527-7283 to schedule a free home energy assessment through Mass Save^® in order to access this incentive Some restrictions apply and offers are subject to change or cancellation. Visit MassSave.com/HEATLoan for full details

Mass Save^® Heat Loans

Greenfield Savings Bank has joined The Mass Save^® HEAT Loan Program to offer qualified customers the opportunity to apply for an interest free loan for installing energy efficient heating Improvements in their homes for up to $25,000

To qualify you must have:

* A completed Mass Save^® Energy Assessment
* A contractor proposal and associated documents for eligibility
* A Mass Save^® HEAT Loan Authorization Form

To learn more about Mass Save^® HEAT Loans, visit their website at masssave.com or give us a call at 413-775-8200. You may also call (866) 527-7283 to schedule a free home energy assessment through Mass Save^® in order to access this incentive
Some restrictions apply and offers are subject to change or cancellation. Visit MassSave.com/HEATLoan for full details

The bank reserves the right to change the rate and terms of mortgage programs without notice. The above products will be available for 90 days from the date a completed application is received by the bank. Rates are effective as of the date of this post. Rates may be subject to change without notice. Please contact a Mortgage Officer for more information.

Loan Origination Company Identifier #409187

Rates

Deposit Account Rates

Checking

Savings

Certificates of Deposit

Individual Retirement Accounts

Equity Credit Lines

Equity Loans

Residential Lending Rates

Fixed Rate Bi-Weekly Products for 1-4 Family Owner Occupied Properties*

Purchase Special

Adjustable Rates for 1-4 Family Owner Occupied Properties

Fixed Rate Land Loans*

Residential Lending Rates

Mass Housing Partnership

Mass Housing Products

Mass Save® Heat Loans

Mass Save^® Heat Loans