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Whoever you are Whatever you want out of life You can be sure of one thing You have us. Two Portland Square 7th Floor Portland ME 04101 Phone 207.771.1800 Toll-Free 866.680.1196 Fax 207.253.5480 www.PortlandHarborGroup.com Helping to Simplify a Complex World Christopher G. Rogers Senior Vice President Investments christopher.rogersraymondjames.com David M. Mitchell Vice President Investments david.mitchellraymondjames.com Lauren A. Schaefer-Bove Senior Registered Sales Associate lauren.schaeferboveraymondjames.com Claire R. Cooney CFP Financial Planning Associate claire.cooneyraymondjames.com Dana A. Ricker Vice President Investments dana.rickerraymondjames.com Total Family Wealth Management 2015 Raymond James Associates Inc. member NewYork Stock ExchangeSIPC. Raymond James is a registered trademark of Raymond James Financial Inc. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP Certified Financial Planner and federally registered in the U.S. Shannon McGuigan Senior Registered Sales Associate shannon.mcguiganraymondjames.com Stephen Guthrie Senior Vice President Investments steve.guthrieraymondjames.com Whoever you are Whatever you want out of life You can be sure of one thing You have us. Two Portland Square 7th Floor Portland ME 04101 Phone 207.771.1800 Toll-Free 866.680.1196 Fax 207.253.5480 www.PortlandHarborGroup.com Helping to Simplify a Complex World Christopher G. Rogers Senior Vice President Investments christopher.rogersraymondjames.com David M. Mitchell Vice President Investments david.mitchellraymondjames.com Lauren A. Schaefer-Bove Senior Registered Sales Associate lauren.schaeferboveraymondjames.com Claire R. Cooney CFP Financial Planning Associate claire.cooneyraymondjames.com Dana A. Ricker Vice President Investments dana.rickerraymondjames.com Total Family Wealth Management 2015 Raymond James Associates Inc. member NewYork Stock ExchangeSIPC. Raymond James is a registered trademark of Raymond James Financial Inc. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP Certified Financial Planner and federally registered in the U.S. Shannon McGuigan Senior Registered Sales Associate shannon.mcguiganraymondjames.com Stephen Guthrie Senior Vice President Investments steve.guthrieraymondjames.com Whoever you are Whatever you want out of life You can be sure of one thing You have us. Two Portland Square 7th Floor Portland ME 04101 Phone 207.771.1800 Toll-Free 866.680.1196 Fax 207.253.5480 www.PortlandHarborGroup.com Helping to Simplify a Complex World Christopher G. Rogers Senior Vice President Investments christopher.rogersraymondjames.com David M. Mitchell Vice President Investments david.mitchellraymondjames.com Lauren A. Schaefer-Bove Senior Registered Sales Associate lauren.schaeferboveraymondjames.com Claire R. Cooney CFP Financial Planning Associate claire.cooneyraymondjames.com Dana A. Ricker Vice President Investments dana.rickerraymondjames.com Total Family Wealth Management 2015 Raymond James Associates Inc. member NewYork Stock ExchangeSIPC. Raymond James is a registered trademark of Raymond James Financial Inc. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP Certified Financial Planner and federally registered in the U.S. Shannon McGuigan Senior Registered Sales Associate shannon.mcguiganraymondjames.com Stephen Guthrie Senior Vice President Investments steve.guthrieraymondjames.com D E C E m b E r 2 0 1 5 3 1 Dollars sense Highest CD APY terms 1.81 Best APY for 12-month IRA .45 Electronic check scanning on mobile devices Yes CaMDennaTIonalBanKcamdennational.com Branches 65 Minimum ATM withdraw 20 Non-customer ATM charge 3.50 Refund ATM surcharges No Checking account fee none with most accounts. Highest savings account APY terms 0.10 25 minimum balance Credit card APRs for A B C credit scores 9.99to23.99 Best APR for 48-month auto loan 4 Lowest 30-year fixed rate res. mortgage APR 4.065 Lowest res. mortgage APR terms 3.484 15-yr. fixed. Highest APY opportunity 1.05 5-year CD 500 min. Highest CD APY terms 1.05 5-year 500 min. Spe- cial through 123115 1.85 5000 min. Best APY for 12-month IRA .15 Electronic check scanning on mobile devices Yes GorHaM saVInGs BanK gorhamsavingsbank.com Branches 12 Minimum ATM withdraw 20 Non-customer ATM charge 2.95 Refund ATM surcharges Yes Checking account fee No for some accounts 5 for paper statements Highest savings account APY terms .25 75000 minimum. Credit card APRs for A B C credit scores 9.99to17.99 Best APR for 60-month auto loan 2.875 for a new car. Lowest 30-year fixed rate res. mortgage APR 4.045 Lowest res. mortgage APR terms 3.293 5-year fixed. Highest APY opportunity 1.30 5-year CD min. 500 Highest CD APY terms 1.30 5-year minimum 500 Best APY for 12-month IRA .40 minimum 500 Electronic check scanning on mobile devices Yes KenneBUnK saVInGs kennebunksavings.com Branches 17 Minimum ATM withdraw 20 Non-customer ATM charge 3 Refund ATM surcharges Yes Checking account fee No Highest savings account APY terms 0.10 5000 minimum balance. Credit card APRs for A B C credit scores 9.99to20.99 Best APR for 60-month auto loan 4.79 Lowest 30-year fixed rate res. mortgage APR 4.041 Lowest res. mortgage APR terms 3.322 15-year fixed. Highest APY opportunity 1.31 5-yr. IRACD 500 minimum Highest CD APY terms 1.31 5-year CD 500 min. Best APY for 12-month IRA .40 500 mini- mum Electronic check scanning on mobile devices Yes KeY BanK keybank.com Branches 53 in Maine Minimum ATM withdraw 20 Non-customer ATM charge 2.75 Refund ATM surcharges With some accounts Checking account fee None for Privilege Checking. Highest savings account APY terms .1025000min. Credit card APRs for A B C credit scores 11.99to21.99 Best APR for 60-month auto loan 3.59 Lowest 30-year fixed rate res. mortgage APR 4.07 Lowest res. mortgage APR terms 3.19 5-year Highest APY opportunity 5-yearCD.85min.100000 Highest CD APY terms .85 5-year min. 100000 Best APY for 12-month IRA 0.2 Electronic check scanning on mobile devices Yes MaCHIas saVInGs BanK machiassavings.com Branches 18 Minimum ATM withdraw 10 Non-customer