Smart Dollar Loan Program

Looking out for our neighbors with helpful loans.

The Smart Dollar Loan Program was developed to help members of our Massachusetts and Rhode Island community establish or build credit through responsible borrowing and repayment. The program is designed for individuals who may have limited credit history and are looking for an affordable borrowing solution.

Is the Smart Dollar Loan Program Right for You?

The Smart Dollar Loan Program may be a good fit for individuals who:

• Are looking to establish or build credit
• Have limited credit history
• Have demonstrated a recent history of making financial obligations on time
• Are looking for an affordable borrowing option

Important Information about the Smart Dollar Loan Program:

The Smart Dollar Loan Program is intended to help borrowers establish credit and build positive credit habits. The program is not designed to address delinquent credit obligations. Applicants with past-due accounts, collection accounts, or other significant credit issues may not qualify.

• Loan amounts up to $1,000 (upon qualification)
• No origination fees
• No prepayment penalties
• Low fixed interest rate at 7.000% APR**
• Terms up to 36 months

<sub>Subject to credit approval. Smart Dollar Loans are only available to residents of Massachusetts and Rhode Island.

*A savings account will be established whereby a minimum of $10.00 will be deposited on a monthly basis. This amount will be included in your monthly loan payment. Interest will be earned in accordance with the terms of BankFive's regular savings account program.</sub>

_{**Interest rate set to Wall Street Journal Prime rate at time of closing. The annual percentage will never be less than 5.000% or higher than 18.000% per annum. Monthly payment per $1,000 borrowed at 7.000% for 36 months is $30.88.}