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Hometown Bank also provides affordable home financing, as it is an approved originator, seller, and servicing agent of both Fannie Mae and Freddie Mac. These designations enable our customers to obtain either long-term fixed or adjustable interest rate financing in the purchase or refinance of their home. The benefit is that the servicing is retained locally by Hometown Bank, which allows our customers to make their payments at their choice of one of our branches, by mail, or electronically. For our business or commercial customers, Hometown Bank is a specialist in small business lending. We provide guidance to our customers in restructuring their balance sheets in order to maximize their profitability. As such, the Bank is a Preferred Lender (PLP) with the U.S. Small Business Administration and extensively uses other government programs such as the USDA Rural Development Program. These programs in conjunction with our ability to syndicate large loan relationships has grown Hometown Bank's servicing portfolio to over $150 million in commercial loan commitments. In order to provide a comprehensive relationship to our small business customers, Hometown Bank also provides a variety of support products such as cash management, direct deposit, investments, on-line banking, and bill pay services. Through our affiliation with Hometown Bancorp, Ltd. we have access to a wide variety of non-traditional products and services including investments, insurance, leasing, and non-conforming loan products. Our belief is that the customers, employees, and shareholders all must mutually benefit from our existence and not at each other's expense. We believe that "Hometown Values" regardless of the size of the community are the cornerstone of our success. If you've done business elsewhere and after you've had an opportunity to let us serve you, you'll realize,"There's no place like Hometown Bank!"