Current Rates Mortgage Loan Rates Rates Effective as of 05/17/2013 Fixed Rate Mortgage Program Term Rate Pts APR Estimated Monthly Payment Per $1000 Borrowed Primary Residence (90% LTV) 15 Year 15 Year 15 Year 3.125% 3.000% 2.750% 0.0 1.0 2.0 3.19% 3.21% 3.11% 6.97 6.91 6.79 20 Year 20 Year 20 Year 3.875% 3.750% 3.625% 0.0 1.0 2.0 3.93% 3.92% 3.91% 5.99 5.93 5.86 30 Year 30 Year 30 Year 4.000% 3.875% 3.750% 0.0 1.0 2.0 4.04% 4.00% 3.96% 4.77 4.70 4.63 Adjustable Rate Mortgage Term Rate APR Points Estimated Monthly Payment Per $1000 Borrowed Primary Residence (Fixed for 1 year) (Fixed for 3 years) (Fixed for 5 years) 30 Year 30 Year 30 Year 6.75% 7.24% 9.24% 6.90% 7.39% 9.41% 1 1 1 6.49 6.81 8.22 Rental Property - Call For Rates - - - - - Commercial - Call For Rates - - - - - Vacant Land (75% LTV) (Fixed for 1 year) (Fixed for 3 years) (Fixed for 5 years) 10 Year 10 Year 10 Year 6.75% 7.24% 9.24% 6.90% 7.39% 9.41% 1 1 1 11.48 11.73 12.80 The payments do not include amounts for taxes and insurance premiums (if applicable). The actual payment will be greater if these charges apply. Home Equity Loans & Lines of Credit Rates Effective as of 04/11/2013 Type Term Rate APR Estimated Monthly Payment Per $1000 Borrowed Home Equity Loan (fixed for 5 years) (fixed for 10 years) (fixed for 15 years) 5 Year 10 Year 15 Year 9.99% 10.79% 10.99% 12.615% 12.343% 12.198% 21.24 13.66 11.36 Adjustable Rate Home Equity Loan (3 Year Adjustable) (5 Year Adjustable) 15 Year 15 Year 8.99% 10.99% 10.105% 12.198% 31.80 21.74 Adjustable Rate Home Equity Line of Credit * 10 Year 5.000% 5.69% 10.61 *Fees and charges to open and maintain a Home Equity Line of Credit include $275 to Cecil Bank for documentation, and a range of $60 - $685.00 to third parties for closing costs. The line of credit has a variable rate feature and the annual percentage rate and minimum monthly payment can change as a result. The maximum APR that may be imposed under the plan is 24% APR. Consult your tax advisor. Commercial Lending Rates Effective as of 12/16/2008 Wall Street Journal Prime Rate: The Base Rate on Corporate Loans Posted by at least 75% of the Nations 30 Largest Banks. Most Commercial Loans are based on WSJ Prime Rate plus an incremental interest percentage based upon credit decision. 3.25% Auto Loan Rates Rates Effective as of 04/11/2013 Automobile Term Rate APR Estimated Monthly Payment Per $1000 Borrowed New (80% LTV) 36 months 48 months 60 months 9.25% 9.50% 10.00% 9.25% 9.50% 10.00% 31.92 25.12 21.25 Used Black Book Loan Value Black Book Loan Value Black Book Loan Value 1-2 years old 3-4 years old 5 years old 12.00% 13.00% 13.50% 12.00% 13.00% 13.50% 33.21 26.83 23.07 Loans Secured By Deposit Accounts / Share Loans Loans against Savings Accounts and Certificates of Deposit are made at 2% above the deposit interest rate. Call our LEND LINE at 410-392-LEND for related fees and charges. ALL LOANS ARE SUBJECT TO CREDIT APPROVAL. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE ON ALL LOAN TYPES Savings Rates For additional information on all Deposit Products, please click this link. Click here to visit our Deposit Products web page. Rates Effective as of 05/09/2013 Description Interest APY** 91 Day CD2,6 0.25% 0.25% 6-month CD2,6 0.40% 0.40% 9-month CD2,6 0.40% 0.40% 1-year CD2,6 0.50% 0.50% 1-year Access CD4 0.40% 0.40% 1 1/2-year CD2,6 0.60% 0.60% 2-year CD2,6 0.70% 0.70% 2 1/2-year CD2,6 0.85% 0.85% 5-year CD2,6 1.24% 1.25% IRA(18-month term/$100 min.)2,6 0.60% 0.60% IRA(60-month term/$100 min.)2,6 1.24% 1.25% Passbook Savings3 0.15% 0.15% Statement Savings4 0.15% 0.15% Holiday Savings Account5,6 0.75% 0.75% NOW Checking4,6 0.05% 0.05% NOW High Yield Checking4,6 0.45% 0.45% *NEW* Silver & Gold Checking4,6 0.25% 0.25% Money Market 4,6 Under $2,500 $2,500 and over 0.10% 0.25% 0.10% 0.25% Jumbo Money Market4,6 Under $2,500 $2,500 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 - $249,999.99 Over $250,000.00 0.10% 0.25% 0.50% 0.75% 1.00% 0.10% 0.25% 0.50% 0.75% 1.01% RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE ON ALL DEPOSIT TYPES *APR refers to Annual Percentage Rate based on simple interest. **APY refers to Annual Percentage Yield based on simple interest. 1 - Rate Changes first of each month. The account will pay interest based on the 6 month Treasury Bill as of the last auction day of the month plus a margin of 35 basis points. The yield quoted at the first on every month will remain for the remainder of that month. 2 - Interest will be compounded daily and will be credited monthly. A penalty may be imposed for withdrawals before maturity. Interest can be withdrawn any time during the term of crediting after it is credited to the account. 3 - Interest will be compounded daily and will be credited quarterly. Interest can be withdrawn any time during the term of crediting after it is credited to the account. 4 - Interest will be compounded daily and will be credited monthly. Interest can be withdrawn any time during the term of crediting after it is credited to the account. 5 - Interest will be compounded and credited annually. Interest can be withdrawn any time during the term of crediting after it is credited to the account. 6 - Fees could reduce earning on account.