A Different Kind of Banking in Longmeadow

No purchase necessary. Must be 18+ years old to enter. Country Bank employees are not eligible. Only one entry per person. Prizes may be tax reportable; please consult a tax advisor. The drawing will take place on August 22nd, 2025 at 2:00 PM; the entry deadline is August 22nd, 2025 at 10:00 AM. Winners will be announced on August 22nd, 2025, at 2:00 p.m. via email.

¹The Annual Percentage Yield (APY) for the ‘5 Month Growth Add-On Certificate of Deposit Special’ is effective as of 07/28/2025. This Certificate of Deposit (CD) is only offered to those who have received an invitation to our online Longmeadow webpage, or visit our Longmeadow Banking Center location. A minimum deposit of $500 is required to open and earn interest. The account must be fully funded with new money, which is considered as any funds not currently on deposit with Country Bank. Allowance of additional deposits is permitted throughout the term of the CD, and ceases upon renewal. Additional deposits must be made with $1,000 or more in new money. This offer is not available for IRA accounts or Municipalities. Fees may reduce earnings on these accounts. A penalty will be imposed for early withdrawal. No withdrawals are permitted within the first six (6) days after the date of deposit. This is a limited time offer, and may be withdrawn at any time.

² LONGMEADOW PROMOTIONAL OFFER ONLY: The Country Bank Home Equity Line of Credit (HELOC) has a variable periodic rate based on the current Prime Rate (“Index”) plus a Margin. Prime Rate is published in the Wall Street Journal Consumer Money Rates Table.  Home Equity Lines of Credit with a Loan-to-Value ratio up to 80% will be priced at Prime rate minus 1 %. The maximum loan amount is $250,000.00. Annual Percentage Rate (APR) is subject to increase to a maximum of 18%, and under no circumstances will the rate ever be less than 4.500% per annum. The APR does not include costs other than interest.  Hazard insurance is required. Early Termination fee of $500.00 may apply if the Home Equity Line of Credit is closed and discharged within thirty-six (36) months from the date of the Note. For loan requests less than $250,000.00, if the Bank is unable to determine a value using our standard method, you have the option to pay for a full appraisal. For loan requests equal to or greater than $250,000.00, the Bank requires a full appraisal be completed on your home to determine the value. The current cost for a full appraisal is $475.00 for a single-family property or $575.00 for a 2-4 family property. For loan requests less than $250,000.00, the standard closing and recording costs will be paid by the Bank. You will be responsible for any fee(s) associated with delivering clear, marketable, and insurable title, including but not limited to discharge fees and/or any fees to establish or maintain a Homestead Act. For loan requests equal to or greater than $250,000 or for properties where title will be held in the name of a trust, the Bank requires a full title exam, title policy, and title certification at your expense. You will be responsible for any fee(s) associated with delivering clear, marketable, and insurable title, including but not limited to discharge fees and/or any fees to establish or maintain a Homestead Act. Closing costs will range from $1,763 to $1,945 and will vary based on the line amount requested and the attorney chosen by the Bank to conduct the closing. You may receive, upon request, a good faith itemization of these costs. Maximum LTV is 95%; Minimum credit limit is $15,000.00. You can obtain advances of credit for 120 months (the “Draw Period”), and minimum monthly payments will be equal to the interest that has accrued on your Account as of the closing date of each billing statement. After the Draw Period ends, you must pay the outstanding balance over 180 months (“Repayment Period”). The minimum periodic payment will equal to 1/180 of the outstanding principal balance, plus accrued interest.

Minimum Payment Example: If you made only the minimum monthly payment and took no other credit advances, it would take 25 years to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 6.500%. During the Draw Period, you would make 120 monthly payments of $54.17. During the Repayment Period, you would make 179 payments varying between $109.73 and $56.16. This would be followed by one final payment of $55.06.

You can convert all or a portion of your balance to a Fixed Rate Term Out Loan during the term of your draw period. A maximum of three (3) Fixed Rate Term Out Loans can be taken. Call us for additional rates and details!

All loan applications are subject to credit approval.

³The High Yield Savings account and advertised Annual Percentage Yield (APY) are effective as of 06/03/2025. The rate may change at any time once the account is opened. A minimum of $10,000 in new money is required to open, and is considered as any funds not currently on deposit with Country Bank. You must maintain a minimum daily balance of $10.00 in the account each day to obtain the advertised APY. Fees may reduce earnings on the account. Offer may be discontinued at any time. Not open to Municipalities or Businesses.

⁴To be eligible for the Kasasa Cash Back Checking promotional offer you cannot have been the primary tax owner on a consumer Country Bank checking account within the last 90 days. Limited to one offer per person as identified by Social Security Number (SSN).

Requirements to receive the Bonus offer: Open a Kasasa Cash Back Checking by visiting our Longmeadow Banking Center location, or by applying online via invitation to our Longmeadow webpage starting 07/28/2025. You must meet the Kasasa Cash Back Checking qualifications for four (4) consecutive months following account opening. To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:

• At least 12 debit card purchases, post and settle;
• At least 1 (one) direct deposit or ACH payment post and settle;
• Be enrolled in and have agreed to receive e-statements rather than paper statements.

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards.

The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our institution. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

Bonus Offer Payout: Your account will be credited $400.00 within 60 days of bonus requirements being met.

IMPORTANT TAX INFORMATION: Bonus offer payout may be tax reportable. Customer is responsible for any taxes, please consult a tax advisor.

Accounts are subject to approval. Bonus offer may be discontinued at any time. The checking account must have a positive balance and remain in an open status in order to receive the bonus.

Kasasa, Kasasa Cash Back, Kasasa Cash and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.