*The Annual Percentage Rate (APR) is effective as of 3/1/2013 for loans with a term up to 15 years and to loan amounts of $70,000 up to $400,000, requires an auto debit from a Rockland Trust checking account and is subject to credit approval. Advertised APR does not apply to loans used to refinance or pay down existing Rockland Trust debt. Other loan programs for this type of credit are offered by Rockland Trust that do not include auto debit repayment. Offer available for owner occupied 1 to 4 family properties with a loan to value ratio (LTV) of 80% or less for loans up to $250,000 as determined by an on-line statistical appraisal acceptable to Lender and LTV of 75% or less for loans greater than $250,000 up to $400,000 as determined by a certified property appraisal (fee paid by Lender). If the on-line value is not available, a certified property appraisal will be required (paid by lender). For a 15 year loan, there would be 180 principal and interest payments of $7.21 per thousand borrowed. Payment example does not include taxes or insurance premiums and actual payment obligation may be greater. Hazard insurance required. Flood insurance may be required. Loan must be used for refinancing property and must be in first lien position. Other programs are available for current loan customers - ask a banker for details.