A $10,000 Fixed Rate
3-Year Home Equity Loan for
Only $109.84* Per Month

* Payment of $109.84 based on a $10,000 Home Equity Balloon Loan with 10-year amortization with an Annual Percentage Rate (APR) of 5.9516% effective 6/15/09. Customer to pay $109.84 per month for 35 months with $7,687.45 due the 36th month. The $7,687.45 balloon payment may be reviewed for refinance at rates in effect at time of maturity. Maximum combined loan to value amount is 80% or below. Loans with loan to values for 81% and above will be considered on a case-by-case basis. Rate assumes a relationship with Town & Country Bank which includes a deposit account with one of the following: Direct Deposit, Auto Pay, ATM/Check Card, or Online Banking. You actual rate/APR will be determined when you apply and will be based on many factors, including credit history, value of your home, amount financed and term. Rates are subject to change without notice. Loan subject to approval. The offer not available for investment properties; property must be owner occupied. Limited time offer. Some fees may be assessed to obtain a loan.

CD Specials

1.17% APY* for 7 months
OR
2.08% APY* for 31 months

* Annual Percentage Yield effective February 23, 2010. Customers with a loan, checking or savings accounts with Town & Country Bank are eligible for the higher rate. CD only customers are not eligible for the higher rate. $5,000 minimum deposit. Penalty imposed for early withdrawals. Limited time offer.

A Home Equity Line of Credit

3.99% APR* for the first 6 months. Then the rate will be Prime Rate minus 0.01%

*APR assumes a $20,000 line of credit using the terms listed in the table with maximum loan to value of 89.99%. After 6 months the rate goes to Prime Rate minus 0.01% EXAMPLE: Current Prime Rate = 3.25% as of 6/15/09. After 6 months the APR may be 4.50% (because the rate is not to fall below 4.50% for the full term). Limited time offer. Offer not available for investment properties. All rates and APRs assume a relationship with Town & Country Bank which includes a deposit account with Direct Deposit or Auto Pay. Your actual rate/APR will be determined when you apply and will be based on many factors, including credit history, age, use of the line of credit, amount financed and term. Closing costs and other fees will apply. Minimum monthly payments are interest only. Other restrictions may apply. Rates are subject to change without notice. Some fees may be assessed to obtain a line of credit. Loans are subject to approval.

WE ALSO HAVE FIXED RATE LOANS TOO!

Supreme Checking – A low-balance, high-interest checking account with Direct Deposit!

3.00% APY* for the first 6 months, then interest rate will vary based on the 1-Year Treasury Constant Maturity Rate**.

• 3.00% APY* for the first 6 months and then adjusting to a variable interest rate based on the 1-Year Treasury Constant Maturity Rate less 2.50%. For example, the interest rate would be 1.88% when based on the 1-Year Treasury Constant Maturity Rate of 4.38% published January 3, 2006 less 2.50%.
• Free Telephone Banking; 800-505-5124
• Free Online Banking and Online Bill Pay;
• Unlimited ATM withdrawals at our branches
• Free Basic Checks
• Free Visa® Check Card
• Unlimited check writing
• $100 minimum to open
• Bounce Protection or Savings Link

* Annual Percentage Yield. **After the first 6 months, interest will vary based on the weekly average yield of the 1-Year Treasury Constant Maturity Rate, as made available by the Federal Reserve Board. There is a $100 minimum balance requirement to receive the APY. On the first business day of each month, the Bank will calculate the new interest rate by subtracting 2.50 percentage points from the Current Index - with a guarantee of at least 0.50% APY. To qualify for this account, you must sign-up for Direct Deposit at account opening. Fees could reduce earnings on the account. No monthly service charge is assessed when a minimum daily balance of $100 is maintained in the account during the statement period. If the balance falls below $100, then a $10 service charge is assessed.