| Product Term | Points | Rate | APR** | Monthly Payment Per $1,000 Borrowed |
| 30 Year Payments shown do not include taxes or insurance. Your payments may be greater. | 0 | 4.000 | 4.072 | $4.77 |
| 20 Year Payments shown do not include taxes or insurance. Your payments may be greater. | 0 | 3.750 | 3.848 | $5.93 |
| 15 Year Payments shown do not include taxes or insurance. Your payments may be greater. | 0 | 3.250 | 3.375 | $7.03 |
| 10 Year Payments shown do not include taxes or insurance. Your payments may be greater. | 0 | 3.125 | 3.306 | $9.71 |
All rates effective as of February 6, 2012
These rates are for Rhode Island and Connecticut properties.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate (APR) subject to change without notice.
Owner-occupied Rhode Island properties (1-4 family) only.
APR based on 25% downpayment and 0 points. Downpayment of less than 20%
requires mortgage insurance. Property and flood insurance where required.
| Product Term | Points | Rate | APR** | Monthly Payment Per $1,000 Borrowed |
| 30 Year Payments shown do not include taxes or insurance. Your payments may be greater. | 0 | 5.000 | 5.055 | $5.37 |
| 20 Year Payments shown do not include taxes or insurance. Your payments may be greater. | 0 | 5.000 | 5.075 | $6.60 |
| 15 Year Payments shown do not include taxes or insurance. Your payments may be greater. | 0 | 4.125 | 4.212 | $7.46 |
| 12 Year Payments shown do not include taxes or insurance. Your payments may be greater. | 0 | N/A | N/A | N/A |
| 10 Year Payments shown do not include taxes or insurance. Your payments may be greater. | 0 | 4.000 | 4.161 | $10.12 |
All rates effective as of February 6, 2012
These rates are for Rhode Island and Connecticut properties.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate (APR) subject to change without notice.
Owner-occupied Rhode Island and Connecticut properties (1-4 family) only.
APR based on 20% downpayment and 0 points. Downpayment of less than 20%
requires mortgage insurance. Property and flood insurance where required.
| Product Term | Term | Rate | Points | APR** | Monthly Payment Per $1,000 Borrowed (figured on 360 payments) |
| 5/1 ARM(br)Caps: 2% annual,(br)5% lifetime Payments shown do not include taxes or insurance. Your payments may be greater. | 30 years | 3.00 | 0 | 3.036 | For months 1 to 60, the cost per $1000 is $4.85. Based on the current index and margin, for months 61 to 360, the rate would be 3.00% and the cost per $1000 is $4.30. |
| 7/1 ARM(br)Caps: 2% annual,(br)5% lifetime Payments shown do not include taxes or insurance. Your payments may be greater. | 30 years | 3.250 | 0 | 3.287 | For months 1 to 84, the cost per $1000 is $5.29. Based on the current index and margin, for months 85 to 360, the rate would be 3.00% and the cost per $1000 is $4.40. |
All rates effective as of February 6, 2012
These rates are for Rhode Island and Connecticut properties.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate (APR) subject to change without notice.
Index is the 1-year T-bill. APR is variable and may increase after closing.
Owner-occupied Rhode Island and Connecticut properties (1-4 family) only.
APR based on 20% downpayment and 0 points. Downpayment of less than 20%
requires mortgage insurance. Property and flood insurance where required.
| Income Range | Points | Rate | APR** | Monthly Payment Per $1,000 Borrowed (figured on 360 payments) |
| $40,001 - $45,000 | 0 | 4.000 | 4.893 | $4.99 |
| $35,001 - $40,000 | 0 | 3.750 | 4.813 | $4.85 |
| $30,001 - $35,000 | 0 | 3.500 | 4.702 | $4.70 |
All rates effective as of February 6, 2012
These rates are for Rhode Island and Connecticut properties.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate
| Maximum Term | APR** | Monthly Payment Per $1,000 Borrowed |
| 48 Months | 3.99 | $22.58 |
| 60 Months | 3.99 | $18.42 |
| 120 Months | 4.99 | $10.61 |
| 180 Months | 5.59 | $8.23 |
| 240 Months | 6.59 | $7.51 |
| 360 Months | 6.99 | $6.64 |
The above rates require auto deduction from a Washington Trust checking or savings account. Minimum loan amount of $15,000 up to $500,000. Interest rate is determined by individual credit worthiness and loan-to-value. Primary and secondary residence up to 80% LTV, up to $400,000. Twenty percent (20%) new money requirement for WTC refinanced loans. Property Insurance required.
All rates effective as of February 6, 2012
These rates are for Rhode Island and Connecticut properties.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate
2.99% Intro APR for initial 6 months
and then rate changes as shown below:
| $25,000 - $74,999 | 4.500(Prime+1.25%) |
| $75,000 - $149,999 | 4.250(Prime+1%) |
| $150,000+ | 4.000(Prime+.75%) |
**2.99% Intro Annual Percentage Rate(APR) home equity line is for the initial 6 months. Your APR will vary monthly if the Prime Rate changes, but will not exceed 18.00% or be less than 3.99%. Check The Wall Street Journal for the current Prime Rate. Early closure fee of 1% of face amount or $495, whichever is greater, will apply if line is prepaid within the first year; .5% of face amount or $295, whichever is greater, will apply if line is prepaid during the second year; Freedom Plus Checking account required. Annual fee of $50 waived for the first year. Some home improvement projects may be subject to property inspection fees of $100 to $300, final title inspection fee of $100 and a satisfactory completion certificate. Subject to recording fees of approximately $74 to $93. Trust review fees of $100 to $250 may apply if property is held in a trust. Not intended for homes currently for sale or intended to be sold within 12 months of closing. Offer available for new lines only. Other restrictions may apply. Property insurance is required. Flood insurance where required by law. Single-family, owner-occupied primary residences or second homes only. Maximum loan-to-value of 80% up to $400,000. Subject to credit approval. Offer available for a limited time only and may be withdrawn at any time. MEMBER FDIC
All rates effective as of February 6, 2012
These rates are for Rhode Island and Connecticut properties.
Please contact one of our mortgage professionals
for the rate in your state.
| Line Amount | APR** |
| $15,000 - $49,999 | 4.500(Prime +1.25%) |
| $50,000 - $74,999 | 4.500(Prime +1.25%) |
| $75,000 - $149,999 | 4.250(Prime +1%) |
| $150,000+ | 4.000(Prime + .75%) |
** Annual Percentage Rate (APR). Single-family, owner-occupied primary residence or second homes, up to 80% LTV up to $400,000. Your APR will vary monthly if the Prime Rate changes but will not exceed 18.00% or be less than 3.99%. Check the Wall Street Journal for the current Prime Rate. Early closure fee of 1% of face amount or $495, whichever is greater, will apply if line is prepaid within the first year; .5% of face amount or $295, whichever is greater, will apply if line is prepaid during the second year. Annual fee of $50.00 applies. Waived in first year with Freedom Plus checking accout relationship. Closing costs apply for loan amounts less than $15,000.00. Some home improvement projects may be subject to property inspection fees of $100 to $300, final title inspection fee of $100 and a satisfactory completion certificate. Subject to recording fees of approximately $74 to $93. Trust review fees of $100-250 may apply if property is held in trust. Property insurance required. Flood insurance where required by law. Subject to credit approval.
All rates effective as of February 6, 2012
These rates are for Rhode Island and Connecticut properties.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate
| Loan Amount | Term | APR** | Monthly Payment Per $1,000 Borrowed |
| $1,500 - $10,000 | 60 Months | 15.40 | $24.01 |
| $10,001 - $15,000 | 60 Months | 13.50 | $23.02 |
The above rates require auto deduction from a Washington Trust checking or savings account.
All rates effective as of February 6, 2012
These rates are for Rhode Island and Connecticut loans.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate
| Loan to Value | Term | APR** | Monthly Payment Per $1,000 Borrowed |
| NEW*(2011/2010) Up to 100% LTV | 36 Months | 4.99 | $29.98 |
| 48 Months | 4.99 | $23.03 | |
| 72 Months | 6.99 | $17.05 | |
| USED*(2010-2005) Up to 85% LTV | 36 Months | 6.99 | $30.88 |
| 48 Months | 7.49 | $24.18 | |
| 54 Months | 7.99 | $22.12 | |
| USED*(2004 or Older) Up to 75% LTV | 24 Months | 10.49 | $46.38 |
The above rates require auto deduction from a Washington Trust checking or savings account.
All rates effective as of February 6, 2012
These rates are for Rhode Island and Connecticut loans.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate
| Loan to Value | Term | APR** | Monthly Payment Per $1,000 Borrowed |
| NEW* Up to 85% LTV | 48 Months | 12.25 | $26.47 |
| 60 Months | 12.50 | $22.51 | |
| USED*(2010 - 2005) Up to 80% LTV | 36 Months | 13.25 | $33.82 |
The above rates require auto deduction from a Washington Trust checking or savings account.
All rates effective as of February 6, 2012
These rates are for Rhode Island and Connecticut loans.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate
| Loan to Value | Term | APR** | Monthly Payment Per $1,000 Borrowed |
| NEW Up to 70% LTV Max Loan Amount $50,000 | 84 Months | 9.50 | $16.35 |
| 120 Months | 9.75 | $13.09 | |
| 144 Months | 10.00 | $11.96 | |
| USED Up to 60% LTV Max Loan Amount $25,000 | 36 Months | 10.50 | $32.51 |
| 48 Months | 11.00 | $25.85 | |
| 60 Months | 11.50 | $22.00 |
The above rates require auto deduction from a Washington Trust checking or savings account.
All rates effective as of February 6, 2012
These rates are for Rhode Island and Connecticut loans.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate
| APR** | Monthly Payment Per $1,000 Borrowed | |
| Credit Reserve | 18.00 | *n/a |
*n/a - monthly payment equal to the greater of 5% of outstanding balance or $25.00
All rates effective as of February 6, 2012
These rates are for Rhode Island and Connecticut loans.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate
***Annual fee of $24.99 applies. Waived with a Freedom Plus checking relationship. Monthly late fee of $5.00 may apply.
| Loan to Value | Maximum Term | APR** | Monthly Payment Per $1,000 Borrowed |
| Up to 70% LTV | 60 Months | 7.99 | $20.28 |
| 120 Months | 8.29 | $12.29 | |
| 180 Months | 8.49 | $9.85 |
The above rates require auto deduction from a Washington Trust checking or savings account.
All rates effective as of February 6, 2012
These rates are for Rhode Island and Connecticut loans.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate
| 70% Loan to Value | |||
| Maximum Term | Rate | APR** | Monthly Payment Per $1,000 Borrowed |
| 60 Months | 5.74 | 6.152 | $19.41 |
| 120 Months | 6.09 | 6.311 | $11.26 |
| 144 Months | 7.74 | 7.938 | $10.80 |
The above rates require auto deduction from a Washington Trust checking or savings account.
Original fee equal to 1% of loan amount.
All rates effective as of February 6, 2012
These rates are for Rhode Island and Connecticut loans.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate