Disclosures

Copyright Notice and Disclosures

USE OF INFORMATION

Any person is hereby authorized to view the information available from this web site for informational purposes only. No part of the information on this site can be redistributed, copied, or reproduced without prior written consent of The First National Bank of Groton.

COPYRIGHT INFORMATION

All information in this site is protected by a compilation copyright in the United States of America based on U.S. Copyright Law (17 U.S.C. sec.101 et seq) and International Copyright Laws and may not be reproduced in whole or in part. Unless otherwise specified, no one has permission to copy or republish, in any form, any information found on this site.

DISCLAIMER OF WARRANTIES

The information contained or accessed, and references to corporations, including their services and products, are provided “as is” without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or error-free or uninterrupted service.

Descriptions of, or references to, products, services or publications within The First National Bank of Groton’s web site does not imply endorsement of that product, service or publication. The First National Bank of Groton makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. The First National Bank of Groton specifically disclaims all warranties, express, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose.

This publication could include technical inaccuracies or typographical errors. Changes may be periodically made to the information herein.

Facts, data, & other information presented on The First National Bank of Groton website pages are provided directly by The First National Bank of Groton.

The First National Bank of Groton, our employees, officers, directors and shareholders, are not responsible for typographical errors or errors of omission; and, we cannot guarantee that all information is accurate or complete.

Deposit information presented on the website of The First National Bank of Groton is in accordance with the Federal Reserves Truth in Savings Act (12CFR230). Interest rates displayed for deposit products are based on Annual Percentage Yield (APY) and may fluctuate at any time.

Loan information presented on the website of The First National Bank of Groton is in accordance with the Federal Reserve Truth in Lending Act (12CFR226). Interest rates displayed for loan products are based on an Annual Percentage Rate (APR) and may fluctuate at any time.

Home Equity Loan Rate Disclosures:

Fixed Rate Home Equity Loan – Rates and terms subject to change. Normal underwriting guidelines apply. Standard fees at borrower’s expense.

Home Equity Line of Credit – Monthly Payments and Interest Only. Call us for the current rates and terms. The rate may increase or decrease and cannot exceed 15.9%. Appraisal or title insurance, if required, at borrower’s expense. Property insurance is required. Flood insurance may be required. Property must be owner-occupied. Normal underwriting guidelines apply.

Mortgage Loan Rate Disclosures:

Rates and terms subject to change. Call us for the current rates and terms. Normal underwriting guidelines apply. Borrower pays all closing costs.

Construction Loan – Rates and terms subject to change. Normal underwriting guidelines apply. Borrower pays all closing costs.