Fixed Rate Mortgage Disclosures

Conventional – 15 year Fixed 0 Points

Current Annual Percentage Rate (APR) is 4.510%. Example monthly payments of principal and interest assume a loan of $200,000 with 0 points and a 20% down payment with 180 payments of principal and interest (P&I) $1529.99. Lower down payments available. Down payments of less than 20% require Private Mortgage Insurance which will increase the Annual Percentage Rate (APR) and monthly payment. APR is subject to change without notice. The Annual Percentage Rate is accurate as of March 24th, 2010. Closing costs apply. Subject to credit approval. Payments do not include taxes and insurance and if included will result in the actual monthly obligation being greater. Rhode Island. Southeastern Massachusetts and Eastern Connecticut properties are eligible. Available 1-4 family and condo primary residences and single family and condo second homes. Homeowners insurance is required. Flood insurance may apply. Other programs and terms may be available. Other terms and conditions apply. Please contact a BankNewport representative at 846-3400 or 800-234-8586 (outside Newport County) for details about credit costs and terms.

Jumbo-15 Year Fixed- 0 points

Current Annual Percentage Rate (APR) is 5.010%. Example monthly payments of principal and interest assume a loan of $200,000 with 0 points and a 20% down payment with 180 payments of principal and interest (P&I) $1581.59. Lower down payments available. Down payments of less than 20% require Private Mortgage Insurance which will increase the Annual Percentage Rate (APR) and monthly payment. Annual Percentage Rate is subject to change without notice. The Annual Percentage Rate is accurate as of March 24th, 2010. Closing costs apply. Subject to credit approval. Payments do not include taxes and insurance and if included will result in the actual monthly obligation being greater. Rhode Island. Southeastern Massachusetts and Eastern Connecticut properties are eligible. Available 1-4 family and condo primary residences and single family and condo second homes. Homeowners insurance is required. Flood insurance may apply. Other programs and terms may be available. Call for interest rates on loans over $750,000. Other terms and conditions apply. Please contact a BankNewport representative at 846-3400 or 800-234-8586 (outside Newport County) for details about credit costs and terms.

Conventional- 30 year Fixed- 0 points

Current Annual Percentage Rate (APR) is 5.256%. Example monthly payments of principal and interest assume a loan of $200,000 with 0 points and a 20% down payment with 360 payments of principal and interest (P&I) $1104.41. Lower down payments available. Down payments of less than 20% require Private Mortgage Insurance which will increase the Annual Percentage Rate (APR) and monthly payment. Annual Percentage Rate is subject to change without notice. The Annual Percentage Rate is accurate as of March 24th, 2010. Closing costs apply. Subject to credit approval. Payments do not include taxes and insurance and if included will result in the actual monthly obligation being greater. Rhode Island. Southeastern Massachusetts and Eastern Connecticut properties are eligible. Available 1-4 family and condo primary residences and single family and condo second homes. Homeowners insurance is required. Flood insurance may apply. Other programs and terms may be available. Other terms and conditions apply. Please contact a BankNewport representative at 846-3400 or 800-234-8586 (outside Newport County) for details about credit costs and terms.

Jumbo- 30 year Fixed- 0 Points

Current Annual Percentage Rate (APR) is 5.756%. Example monthly payments of principal and interest assume a loan of $200,000 with 0 points and a 20% down payment with 360 payments of principal and interest (P&I) $1167.15. Lower down payments available. Down payments of less than 20% require Private Mortgage Insurance which will increase the Annual Percentage Rate (APR) and monthly payment. Annual Percentage Rate is subject to change without notice. The Annual Percentage Rate is accurate as of March 24th, 2010. Closing costs apply. Subject to credit approval. Payments do not include taxes and insurance and if included will result in the actual monthly obligation being greater. Rhode Island. Southeastern Massachusetts and Eastern Connecticut properties are eligible. Available 1-4 family and condo primary residences and single family and condo second homes. Homeowners insurance is required. Flood insurance may apply. Other programs and terms may be available. Call for interest rates on loans over $750,000. Other terms and conditions apply. Please contact a BankNewport representative at 846-3400 or 800-234-8586 (outside Newport County) for details about credit costs and terms.