*$1,500 closing cost credit is only valid on First Time Homebuyer Program applications received, approved and closed with Country Bank. First Time Homebuyer program restrictions apply. All loan applications subject to credit underwriting and property approval (subject to change at any time).   The incentive will be applied as a Lender Credit on the Closing Disclosure at time of closing if you open or have an existing Country Bank checking account, along with a minimum of four (4) of the following services: Internet Banking with e-Statements, Mobile Banking, Statement Savings Account/Money Market Account, Debit Card or ATM Card, Direct Deposit into your Country Bank checking account or Automatic payment of your mortgage from your Country Bank checking account. Other fees may apply. All accounts and services must be established within twenty (20) days from the date of application or the incentive to receive the credit is null and void. All accounts and services are subject to individual approval. Cannot be combined with any other offer. Only one (1) coupon per mortgage application allowed. This offer can be withdrawn at any time.

**Rates are subject to change at any time. This offer may be withdrawn at any time. Offer valid only on residential owner-occupied mortgage applications. Annual percentage rate (APR) based on $165,000 loan with a minimum of 20% down. All applications subject to credit underwriting and property approval. Rate and APR’s are subject to change based on factors such as points, loan amounts, loan-to-value, credit history, property type and occupancy. Payments do not include amounts for taxes and insurance premiums, if applicable; the actual payment obligation will be greater.