* This rate is a variable rate of Prime (published as Bank Prime Loan Rate in the Federal Reserve Statistical Release H15) minus .75% Regular rate: 3.25% Annual Percentage Rate (APR). Prime as of 11/1/08 is 4.00%. Minimum loan amount is $75,000, maximum loan to value: 75%. Available for qualifying single family owner-occupied properties in PA. Your actual APR will be based on a review of your credit application. You must have a Parkvale Interest Checking or Money Market account to be eligible for this special rate. A lifetime rate cap of 18% APR exists. Adequate property insurance required. Title Insurance required on lines over $250,000. If an appraisal is required, the cost will be $275 or less. If the line is canceled within 36 months after the date is opened, you must reimburse Parkvale $350 for certain costs in connection with opening the line. Low rates also available for other line amounts and loan to values. This rate accurate as of publication date. This offer may be discontinued at any time. Member FDIC. Equal Housing Lender. PA 11/08

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