Ready to buy a home? Mortgage loans are available to qualified applicants who meet the Bank’s current loan guidelines for owner-occupied residential properties in New England. Available for loans up to $453,100. For loans with less than a 20% down payment, escrow for taxes and property insurance is required (including flood insurance, if applicable). Additional restrictions may apply. See tax advisor regarding deductibility of interest and charges. NMLS ID #483424. 1 Visit www.northeastbank.com/hero for a full list of eligibility criteria. 2 3% down payment limited to fixed-rate mortgages. Get Pre-Approved Today, Be Ready to Buy Tomorrow David Cekutis Vice President Senior Mortgage Loan Officer Contact David Cekutis today to get qualified Cell: (207) 939-0851 NMLS ID# 509632 dcekutis@northeastbank.com $750 in closing cost discounts1 as our way of saying “Thanks” for serving our community. HEROES Advantage Loan No monthly mortgage insurance. Low fixed rate with only 5% down. MI Advantage Loan Low down payment conventional loans, with options as low as 3% down.2 DOWN PAYMENT Advantage Loan DREAM FIRST National Bank We live by a simple idea, and hope you do too: Dream First, then go from there. Because you can. A Division of The First Bancorp • 800.564.3195 • TheFirst.com • Member FDIC Bangor • Bar Harbor • Blue Hill • Boothbay Harbor • Calais • Camden • Damariscotta • Eastport Ellsworth • Northeast Harbor • Rockland • Rockport • Southwest Harbor • Waldoboro • Wiscasset D E C E M B E R 2 0 1 8 4 9 Dollars & Sense CreditcardAPRsforA,B,Ccreditscores:10.74%-24.74% basedoncardtypeandcreditscore BestAPRfor60-monthautoloan:3.0% Lowest30-yearfixedrateres.mortgageAPR:5.081% Lowestres.mortgageAPR&terms:4.638%,15-yearfixed HighestAPYopportunity:2.50%,25monthCDorIRA, $500min.deposit HighestCDAPY&terms:2.50%,25monthCDorIRA,$500 min.deposit BestAPYfor12-monthIRA:.32%,$500min.deposit SKOWHEGANSAVINGSBANK skowhegansavings.com Branches:11;Non-customerATMcharge:$2.50;Refund ATMsurcharges:Withsomeaccounts Checkingaccountfee:Freewith$50.00averagedailybalance HighestsavingsaccountAPY&terms:.05%,Integrity Savings,$25min.deposit;.30%,MoneyMarketover $100,000,$2500min.deposit CreditcardAPRsforA,B,Ccreditscores:13.99%-24.99% dependingoncardtype BestAPRfor60-monthautoloan:4.75%onanewauto Lowest30-yearfixedrateres.mortgageAPR:5.281%(bi- weekly),monthly:5.389% Lowestres.mortgageAPR&terms:4.741%ona10-year fixedbi-weekly,10-yearmonthly:4.834% HighestAPYopportunity:2.00%,48-monthCDforIntegri- tyPluscustomers,$500min.balance HighestCDAPY&terms:2.00%,48-monthCDforIntegri- tyPluscustomers,$500min.balance(Non-IntegrityPlus: