Rates as low as example: 7.24% APR available for qualifying properties in MA, NH, RI, & 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. Circle Checking account with $100 minimum opening balance required. An equity loan of $10,000 with a 3-year term at 7.24% APR results in 36 monthly payments of $309.87. 6.94% 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 3-year term. Circle Checking account with $100 minimum opening balance required. An equity loan of $10,000 with a 3-year term at 6.94% APR results in 36 monthly payments of $308.50. 7.24% APR available for qualifying properties in DE, NJ, and PA 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. Circle Checking account with $100 minimum opening balance required. An equity loan of $10,000 with a 3-year term at 7.24% APR results in 36 monthly payments of $309.87. 7.49% 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. Circle Checking account with $100 minimum opening balance required. An equity loan of $10,000 with a 3-year term at 7.49% APR results in 36 monthly payments of $311.02. Rates and terms 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. See a banker for details.

Home Equity Line: Variable APR based on The Wall Street Journal "Prime Rate" ("Prime") published on the last business day of the month. Prime plus .74% (3.99% APR as of 7/1/2009) available for qualifying properties in CT for lines of $100,000 or more with a loan-to-value (LTV) of 80% or less, with a balance of $25,000 at closing. Prime plus .99% (4.24% APR as of 7/1/2009) available for qualifying properties in DE, PA, MA, NH, NJ, & VT for lines of $100,000 or more with a loan-to-value (LTV) of 80% or less, with a balance of $25,000 at closing. Prime plus .99% (4.24% APR as of 7/1/2009) available for qualifying properties in RI 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 plus 1.24% (4.49% APR as of 7/1/2009) available for qualifying properties in NY for lines of $100,000 or more with a loan-to-value (LTV) of 80% or less, with a balance of $25,000 at closing. Circle Checking account with $100 minimum opening balance required. 1 to 4-family owner-occupied properties only. Rate and terms may change at any time and vary by property type, loan amount and LTV ratio. Maximum APR 21%, (Maximum rate 18% in NJ and PA) minimum APR 2.5%. 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. 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. Consult your tax advisor regarding deductibility of interest. See a banker for details.