$40,000 Loan: 7.14% APR available for qualifying properties in Pittsburgh with a loan-to-value (LTV) of 80% or less for loans of $10,000 to $99,999), with auto-deduction from Circle Checking and a 30-year term. An equity loan of $40,000 with a 30-year term at 7.14% APR results in 360 monthly payments of $269.89. 7.39% APR available for qualifying properties in Philadelphia with a loan-to-value (LTV) of 80% or less for loans of $10,000 to $99,999), with auto-deduction from Circle Checking and a 30-year term. An equity loan of $40,000 with a 30-year term at 7.39% APR results in 360 monthly payments of $276.68. 7.74% APR available in MA - Worcester / Boston with a loan-to-value (LTV) of 80% or less for loans of $10,000 to $99,999 ($10,000 to $74,999 in NH and VT), with auto-deduction from Circle Checking and a 30-year term. An equity loan of $40,000 with a 30-year term at 7.74% APR results in 360 monthly payments of $286.29. 8.24% APR available for qualifying properties in, MA - Springfield, NH, RI and VT with a loan-to-value (LTV) of 80% or less for loans of $10,000 to $99,999 ($10,000 to $74,999 in NH and VT), with auto-deduction from Circle Checking and a 30-year term. An equity loan of $40,000 with a 30-year term at 8.24% APR results in 360 monthly payments of $300.23. 7.74% APR available for qualifying properties in, CT with a loan-to-value (LTV) of 80% or less for loans of $10,000 to $49,999, with auto-deduction from Circle Checking and a 30-year term. An equity loan of $40,000 with a 30-year term at 7.74% APR results in 360 monthly payments of $286.29. 8.89% APR available for qualifying properties in NY with a loan-to-value (LTV) of 80% or less for loans of $10,000 to $99,999 ,with auto-deduction from Circle Checking and a 30-year term. An equity loan of $40,000 with a 30-year term at 8.89% APR results in 360 monthly payments of $318.69.

Rates as low as example: 6.69% APR available for qualifying properties in MA - Worcester / Boston DE, MA, NH, NJ, PA, RI and VT with a loan-to value (LTV) of 80% or less for loans of $10,000 to $750,000 or for an LTV of 75% or less for loans over $750,000, with auto-deduction from Circle Checking and a 3-year term. An equity loan of $10,000 with a 3-year term at 6.69% APR results in 36 monthly payments of $307.36. In CT: 7.24% APR available for qualifying properties in CT with a loan-to value (LTV) of 80% or less for loans of $10,000 to $49,999 or for an LTV of 75% or less for loans over $750,000, with auto-deduction from Circle Checking and a 3-year term. An equity loan of $10,000 with a 3-year term at 7.24% APR results in 36 monthly payments of $309.87. In NY: 7.54% APR available for qualifying properties in NY with a loan-to value (LTV) of 80% or less for loans of $10,000 to $750,000 or for an LTV of 75% or less for loans over $750,000, with auto-deduction from Circle Checking and a 3-year term. An equity loan of $10,000 with a 3-year term at 7.54% APR results in 36 monthly payments of $311.25

Home Equity Line: Variable APR based on The Wall Street Journal "Prime Rate" ("Prime") published on the last business day of the month. Prime minus 1.01% (3.99% APR as of 6/1/2008) available for qualifying properties in the Pittsburgh and Harrisburg regions of PA, for lines of $125,000 or more with a loan-to-value (LTV) of 80% or less, with a balance of $25,000 at closing. Prime minus 1.01% (3.99% APR as of 6/1/2008) available for qualifying properties in NH, VT and the Berkshire, Hampden, Hampshire and Franklin counties of MA , for lines of $150,000 or more with a loan-to-value (LTV) of 80% or less, with a balance of $25,000 at closing. Prime minus 1.01% (3.99% APR as of 6/1/2008) available for qualifying properties in NJ, DE, RI and the Philadelphia, Delaware, Chester, Bucks and Montgomery counties of PA for lines of $175,000 or more with a loan-to-value (LTV) of 80% or less, with a balance of $50,000 ($25,000 in RI) at closing. Prime minus 1.01% (3.99% APR as of 6/1/2008) available for qualifying properties in CT and MA (with the exception of the Berkshire, Hampden, Hampshire, and Franklin counties) for lines of $200,000 or more with a loan-to-value (LTV) of 80% or less, with a balance of $50,000 ($25,000 in CT) at closing. Prime minus 0.51% (4.49% APR as of 6/1/2008) available for qualifying properties in NY for lines of $25,000 or more with a loan-to-value (LTV) of 80% or less, with a balance of $10,000 at closing. Maximum APR 21% (Maximum APR 18% in NJ and PA) minimum APR 2.5%. No annual fee the first year, then $50 per year. If you pay off the entire balance and close your line of credit account before the due date, you may be charged and early termination fee. All home equity lines and loans: Circle Checking Account with $100 minimum opening balance required. Other rates and terms available. Rates and terms may change at any time and vary by property type, loan amount and LTV ratio. Offer subject to change without notice. 1- to 4 family owner-occupied properties only. Not available for homes currently for sale or intended to be sold within six months of closing. Property insurance required. Flood insurance may be required. Trust review fees ranging from $85 to $175 apply for properties held in trust. All accounts are subject to individual approval. See your tax advisor regarding deductibility of interest. See a banker for details.