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Bank Services

Personal Accounts

Business Accounts

Loans

Mortgages

Other Services

Member FDIC

Equal Housing Lender logo

Copyright 1998 Bay State Bank Savings Bank

Menu (page constant)

About Us

AMEX link

Contact Us

Home

Personal Accounts

Business Accounts

Loans

Mortgages

Other Services

Personal Accounts

Intro paragraph with link to deposit rate sheet

Bulleted sub-headers

Checking

Savings

Certificates of Deposit

Business Accounts

Intro paragraph

Bulleted sub-headers

Commercial Real Estate Mortgages

Checking

Savings

Services

Loans

Intro paragraph with link to loan rate sheet

Bulleted sub-headers

Equity Lines of Credit

Student Loans

Bulleted sub-headers

Adjustable mortgages

Fixed rate mortgages

Construction mortgages

First Time Homebuyer mortgages

Commercial real estate mortgages

Other Services

ATM

Direct Deposit

Overdraft Protection

MasterCard or VISA credit card

Telephone Banking

Safe Deposit Boxes

AMEX Travelers Checks

AMEX Gift Checks

Bank by Mail

U. S. Savings Bonds

Notary Public Services

Your Bank at Work

Personal Money Orders

N.O.W.

Money Market

High Rate Money Market

Passbook

Statement Savings

40K Club Account

50K Club Account

Stepped Rate CD

Short Term CDs (3 mos. to 18 mos.)

Long Term CDs (2 yr. to 8 yr.)

Jumbo CD

Retirement Accounts

Deposit Calculator

Commercial Real Estate Mortgages

Loan Calculator

Bank Services / Business / Savings Products

40K Club Account

50K Club Account

TBD

TBD – Lines

TBD

Loan Calculator

15 Year

30 Year

Loan Calculator

5 Year

30 Year

Loan Calculator

TBD

Loan Calculator

TBD

Loan Calculator

Bank Services / Mortgages / Commercial Real Estate Mortgages

Commercial Real Estate Mortgages

Presidents message with photo of J. Murphy

Brief history of the bank with mission statement

Charitable foundation profile

Brookline

Boston

Dedham

Norwood

Westwood

Lending Services

ATMs

AMEX Link

Contact Us

Intro paragraph with a mini deposit account application and mailing instructions.

See above sections I and II for copy on the following menu items

Home page

Bank Services/Personal Accounts

Bank Services/Business Accounts

Bank Services/Loans

Bank Services/Mortgages

Other Services

Headers, financial calculator, 1 rate table, 3 page text, 3 page HTML layout

Headers, 1 page text, 1 page HTML layout

Headers, financial calculator, 1 rate table, 2 page text, 2 page HTML layout

Headers, financial calculator (same as loans), 1 table, 2 pages text, 2 pages HTML layout

Headers, 1 page text, 1 page HTML layout

Headers, 1 photo, 1 page text, 1 page HTML layout

Headers, Link to a map site (page to be framed), 3 pages of text, 3 pages HTML layout

Headers, form with name & address, drop boxes, 1 page text, 1 page HTML layout

Link to AMEX for financial information on holding company, page to be framed

*High resolution

**Medium resolution

Bay State Bank Savings Bank is committed to a simple philosophy of delivering easy-to-use, diverse and competitive products and services. Developed with customers in mind, our complete line of personal accounts, ranging from CDs to Checking accounts and debit cards, can offer you financial flexibility, convenience and stability.

• Unlimited checkwriting
• Monthly statements
• Interest rates compounded daily and paid monthly
• Initial deposit requirement of just $10
• Interest paid on a minimum balance of $300.
• Complimentary Greystone personalized checks when account is opened for at least $300.

• A nominal $1.00 monthly services charge and $.20 per check fee if balance falls below $300.

Tiered N.O.W. Account

• Unlimited checkwriting

• Monthly statements
• No monthly service charge
• Competitive, tiered interest rates compounded monthly
• Rate tiers of $0 to $4,999.99, $5,000.00 to $24,999.99 and $25,000.00 and above
• Initial deposit requirement of $5,000

Money Market Account

• A minimum starting balance of just $1,000.
• No monthly service charges
• Comprehensive monthly statement
• Competitive interest rates, compounded monthly on all tiers
• Rate tiers of $0 to $999.99 and $1,000 and above
• Unlimited over-the-counter withdrawals and transfers
• A three check allowance each month

High Rate Money Market

• A minimum starting balance of $5,000
• No monthly service charges
• Comprehensive monthly statement
• Market interest rates, compounded monthly on all tiers
• Rate tiers of $0 to 4,999.99 and $5,000 and above
• Unlimited over-the-counter withdrawals and transfers
• A three check allowance each month

You can add to the convenience of a personal N.O.W. account or Money Market account by electing any of the following related services:

CashNet 24 ATM Card Direct Deposit

Automatic Transfers Overdraft Protection

24 Hour Telephone Banking A Bay State Bank Automatic Loan Payment

Passbook Savings Interest Rates

You can add to the convenience of a passbook savings account by electing any of the following related services:

Direct Deposit Automatic Transfers 24 Hour Telephone Banking A Bay State Bank Automatic Loan Payment

Statement Savings Interest Rates

Next is our statement savings account – as easy and convenient as a passbook with all the advantages of today’s technology. Open yours for just $10.00 and enjoy the convenience of our CashNet 24 ATM Card, easy to read monthly activity statement and withdrawals without a penalty. Interest is compounded daily and paid monthly on balances of $100. or more. However, should your balance fall below $100 there is a low monthly service charge of only $1.00 per month.

You can add to the convenience of a passbook savings account by electing any of the following related services:

Direct Deposit CashNet 24 ATM Card Automatic Transfers 24 Hour Telephone Banking

A Bay State Bank Automatic Loan Payment

50K Club Account Interest Rates

With the 50K Club Account from Bay State Bank you’ll be doing more than just saving money, you’ll be investing in a high rate, FDIC insured alternative to other money funds. The 50K Club offers members high liquidity with additional access to funds through our 24-hour telebanking service. Invest a minimum of $50,000 in this special passbook account and receive additional benefits of free personal money orders, free travelers checks and free treasurer’s checks. There are no monthly service charges on this account. To calculate your monthly return on funds deposited, click here. (Deposit Calculator)

You can add to the convenience of a 50K Club Account by electing any of the following related services:

Direct Deposit Automatic Transfers A Bay State Bank Automatic Loan Payment

40K Club Account Interest Rates

The 40K Club Account offers the opportunity to invest your funds in a high yielding, FDIC insured account with the added benefit of a comprehensive monthly statement. This highly liquid account can be opened with just $40,000 and is accessible through our 24-hour telebanking service. As a 40K Club investor you will also be qualified to receive free personal money orders, free travelers checks and free treasurer checks. There are no monthly service charges on this account. To calculate your monthly return on funds deposited, click here. (Deposit Calculator)

You can add to the convenience of a 40K Club Account by electing any of the following related services:

Step-Up CD Interest Rates

The Bay Sate Federal Step-Up CD was developed for the investor with a healthy respect for the unpredictability of interest rates. Should interest rates rise during the 6 or 12 month term of this account, you may take advantage of the improved rate environment and step-up your CD rate. This flexible investment product can be opened with as little as $10,000 and is FDIC insured. There are no monthly service charges on this account, however, as with most CDs, there is a penalty for early withdrawal of the principal, but interest may be withdrawn penalty free at any time. (Deposit Calculator)

Certificates of Deposit Interest Rates

We offer a variety of CD products that will help you achieve your short and long term financial goals. CDs are FDIC insured and the rates are guaranteed for the term of the account. All certificates offer an automatic renewal feature and can be opened for just $1,000. There are no monthly service charges on this account, however, as with most CDs, there is a penalty for early withdrawal of the principal, but interest may be withdrawn penalty free at any time.

Individual Retirement Accounts (IRAs) Interest Rates

To help you prepare for retirement we offer a fixed or variable rate 18-month certificate. This product can be a stable component of your retirement planning. It provides the security of an FDIC insured investment combined with the flexibility to make additional deposits during the term. To help balance the terms of your retirement accounts, any traditional CD can also be opened as an IRA. There is a penalty for early withdrawal of all IRAs. (Deposit Calc)

Jumbo Certificates of Deposit Interest Rates

If you’re looking for an insured investment with a higher rate of return this is the account for you. You can choose from a variety of terms ranging from 91 days to 1 one year when you open the certificate for $100,000. Interest can be withdrawn penalty free at any time, however, there is a penalty for early withdrawal. (Deposit Calculator)

Commercial Real Estate Loans Loan Calculator

Bay State Bank’s Commercial Real Estate Loans combine competitive rates with flexible program options and terms. This type of loan can be used for purchases and refinancing. Call our Lending Center at (617) 739-9500 for an appointment.

Business Value Checking Accounts Deposit Calculator

This convenient, cost effective account was designed for the smaller business customer who generally does not write a high volume of checks each month. Full service options include 24-hour telebanking services, wire transfers, easy to read statements, overdraft protection, sweep features into the 50K Club or the 40K Club and a corporate MasterCard or VISA program.

Business Investment Accounts

50K Club Account Interest Rates

With the 50K Club Account from Bay State Bank you’ll be doing more than just saving money, you’ll be investing in a high rate; FDIC insured alternative to other money funds. The 50K Club offers members high liquidity with additional access to funds through our 24-hour telebanking service. Invest a minimum of $50,000 in this special passbook account and receive additional benefits of free personal money orders, free travelers checks and free treasurer’s checks. There are no monthly service charges on this account. To calculate your monthly return on funds deposited, click here. (Deposit Calculator)

40K Club Account Interest Rates

The 40K Club Account offers the opportunity to invest your funds in a high yielding, FDIC insured account with the added benefit of a comprehensive monthly statement. This highly liquid account can be opened with just $40,000 and is accessible through our 24-hour telebanking service. As a 40K Club investor you will also be qualified to receive free personal money orders, free travelers checks and free treasurer checks. There are no monthly service charges on this account. To calculate your monthly return on funds deposited, click here. (Deposit Calculator)

Home Equity Line of Credit Loan Calculator

Bay State Bank’s Home Equity Line of Credit was developed to offer financial flexibility. You may borrow up to 80% of the total Loan-To-Value of the equity in your home, whether you need the funds today or are planning for the future. The funds are available whenever you want, simply by writing a check. Giving you the flexibility to prioritize your financial needs to consolidate high interest debts…. pay for the wedding…. enjoy that long awaited vacation…..buy a car…..pay for tuition. The choice is yours.

• Discounted rate for the first 6 months
• Interest only payment options for the first 5 years
• Competitive interest rates

• Interest may be tax deductible

*Consult your tax advisor regarding deductibility of interest

Education Loans

Bay State Bank is proud to participate in the federally subsidized educational loan program. This program provides funds for higher education and can be used for either undergraduate or graduate studies. Both Student Loans (also known as Stafford Loans) and Parent Plus Loans are available.

Mortgages Interest Rates

Buying a home is probably the single largest investment you’ll ever make. Make it the smartest one, too, by choosing the lender who’s done their home work: Bay State Bank Savings Bank. Select your mortgage from among Bay State’s comprehensive financial options including adjustable rate mortgages, fixed rate mortgages and a first time homebuyer program. And because Bay State is a community bank, you’ll find our service to be exceptional. With more than 75 years of mortgage lending experience, Bay State has a proven record of commitment to

homeownership. Our team of mortgage officers is trained to find you the best mortgage – and in today’s complex market, that can translate into real savings. Click here to calculate monthly payments on any Bay State Bank loan.

One Year Adjustable Rate Mortgage Interest Rates

• Available in 15 and 30 year terms
• Rate adjusts annually
• Available for one to four family owner occupied residences
• Available with zero points or one point
• Finance up to $300,000
• Minimum downpayment of as little as 5%

Three to One Year Adjustable Rate Mortgages Interest Rates

• Available in 15 and 30 year terms
• Rate is fixed for the first 3 years and then adjusts annually

• Available with one point or two points
• Available for one to four family owner occupied residences
• Finance up to $300,000
• Minimum downpayment of as little as 5%

Five to One Year Adjustable Rate Mortgages Interest Rates

• Available in 15 and 30 year terms
• Rate is fixed for the first 5 years and then adjusts annually

• Available with one point option
• Available for one to four family owner occupied residences
• Finance up to $300,000
• Minimum downpayment of as little as 5%

Fixed Rate Mortgages Interest Rates

• Available in 15 and 30 year terms
• Rate is fixed for the term of the loan
• Both loan terms are available with a zero, one or two point option

• Available for one to four family owner occupied residences
• Finance up to $300,000
• Minimum downpayment of as little as 5%

Multi-Unit Residential Mortgages Interest Rates

• Available for structures with five or more units

• Fixed or adjustable rate programs available

• Flexible underwriting

• Up to 25 year term and amortization

• Rate index based on Wall Street Journal Prime rate

• Available with a one year adjustable term or a three to one year adjustable term

• Various point options available
• Possible discount of origination fee
• Finance up to $300,000
• Minimum downpayment of as little as 5%

Bay State Bank’s Commercial Real Estate Loans combine competitive rates with flexible program options and terms. This type of loan can be used for purchases and refinancing. Call our Lending Center at (617) 739-9500 for an appointment.

Brookline Office (617) 739-9500

1299 Beacon Street

Brookline, MA 02146

Monday 9:00 – 4:00

Tuesday 9:00 – 4:00

Wednesday 9:00 – 4:00

Thursday 9:00 – 6:00

Friday 9:00 – 4:00

Saturday 9:30 – 12:30

For directions to this branch office click here.

Boston Office (617) 536-9090

184 Massachusetts Avenue

Boston, MA 02115

Monday 9:00 – 4:00

Tuesday 9:00 – 4:00

Wednesday 9:00 – 4:00

Thursday 9:00 – 4:00

Friday 9:00 – 4:00

For directions to this branch office click here.

Dedham Office (781) 329-3220

Dedham Mall

Dedham, MA 02026

Monday 9:30 – 4:30

Tuesday 9:30 – 4:30

Wednesday 9:30 – 4:30

Thursday 9:00 – 7:00

Friday 9:00 – 7:00

Saturday 10:00 – 1:00

For directions to this branch office click here.

Norwood Office (781) 769-2000

61 Lenox Street

Norwood, MA 02062

Monday 9:00 – 4:00

Tuesday 9:00 – 4:00

Wednesday 9:00 – 4:00

Thursday 9:00 – 7:00

Friday 9:00 – 7:00

Saturday 10:00 – 1:00

For directions to this branch office click here.

Westwood Office (781) 326-6400

705 High Street

Westwood, MA 02090

Lobby Drive Up Window

Monday 9:00 – 4:00 8:30 – 4:00

Tuesday 9:00 – 4:00 8:30 – 4:00

Wednesday 9:00 – 4:00 8:30 – 4:00

Thursday 9:00 – 4:00 8:30 – 4:00

Friday 9:00 – 6:00 8:30 – 4:00

Saturday 9:00 – 1:00 8:30 – 1:00

This office offers safe deposit boxes

For directions to this branch office click here.

The Lending Center (617) 739-9555

1309 Beacon Street

Brookline, MA 02146

Monday 9:00 – 5:00

Tuesday 9:00 – 5:00

Wednesday 9:00 – 5:00

Thursday 9:00 – 5:00

Friday 9:00 – 5:00

For directions to the lending center click here.

Bay State Bank ATM machines can be found in the following locations:

Brookline Office Boston Office

1299 Beacon Street 184 Massachusetts Avenue

Brookline, MA 02146 Boston, MA 02115

map map

Dedham Office Norwood Office

Dedham Mall 61 Lenox Street

Dedham, MA 02026 Norwood, MA 02062

map map

Westwood Office The Lending Center

705 High Street 1309 Beacon Street

Westwood, MA 02090 Brookline, MA 02146

map map

Bay State Bank offers a full range of products and services designed to meet all your financial and investment needs including:

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I prefer to speak with a Personal Banking Representative, please call me at ______________________ . The best time to reach me is in the morning________ afternoon__________.

To receive additional information on Bay State Banks products and services please print this form, indicate which products or services you are interested in, complete the customer information and mail to

Attention: ?????

Personal Banking Business Accounts

N.O.W. Account Commercial Real Estate

Money Market Account Business Value Checking Account

Passbook Savings Business Investment Accounts

Statement Savings Business Services

50K Club

40K Club

Step-Up CD Consumer Loans

Certificates of Deposit Education Loans

Individual Retirement Accounts Home Equity Line of Credit

Jumbo Certificate of Deposit

Mortgages Services

Adjustable Rate Mortgages CashNet 24 ATM Banking

Fixed Rate Mortgages 24 Hour Telebanking

First Time Home Buyer Direct Deposit

Construction Loans Automatic Loan Payment

Multi- Residential Mortgages Wire Transfer

Logo

Member FDIC

Equal Housing Lender logo

Copyright 1998 BSFSB

Phone Number: (617)739-9500

Links to: Personal Accounts

Business Accounts

Loans

Mortgages

Other Services

About Us

Locations

Contact Us

AMEX Link

Yahoo!

Excite

ABA (member ?)

Bank Site – U.S.A. Directory

Bank Web Home Site

MASS Bankers Association (member?)

Community Bank League of New England (member?)

Bank Financial

Banking Banks

Investment Massachusetts

Community Savings

Deposit(s) Loan

Loans Mortgage(s)

Fixed Rate Mortgage(s) Adjustable Rate Mortgage(s)

Real Estate Loan Consumer Loan

Home Equity Loan(s) Home Equity Line (s)

Home Line of Credit First Time Homebuyer

Second Mortgage Commercial Real Estate Loan (s)

Business Loan (s) CD (s)

Certificate(s) of Deposit IRA (s)

Jumbo Certificates Individual Retirement Account (s)

Passbook Savings Regular Savings

Statement Savings Club Account (s)

N.O.W. Account (s) Checking

Checking Account(s) Personal Checking

Money Market Money Market Account(s)

Business Commercial

ATM ATM card (s)

Telephone banking

1. Brief history of institution (name changes and growth)
2. Corporate philosophy of commitment to customer need
3. Invitation to review the site and to contact the bank with comments

(stressing the value the bank places on customer concerns)

4. Overview of Charitable Foundation
5. Brief summary of holding company and a link to AMEX for more information

NOTES:

1.) If possible, the page will have a photo of Mr. Murphy.

2.) Logo and legals will be positioned on the page.