With a Parkvale Bank Home Equity Loan you'll save money on our special low, locked-in interest rate that maybe tax-deductible (consult your tax advisor). You'll enjoy the convenience of affordable monthly payments over a fixed time period and you can save even more by paying off higher interest obligations such as outstanding credit card balances.

* Stated rates are for loans $25,000 and greater.
* Add .15% to rate if loan amount is less than $25,000.

You qualify for a .50% discount on your interest rate if you have your payment automatically taken from your Parkvale Bank checking account and you sign up for a Parkvale Bank debit card. Closing costs of $100 apply but are currently being waived.

Please add .25% to the rate for debt consolidations loans with LTV's greater than 90%. Non-consolidation loans for LTV's greater than 100%.

With our Home Equity Credit Line, you can also enjoy lower interest rates and tax savings benefits (consult your tax advisor)... and whenever you need money, just simply write one of your credit line checks.

TYPE	LTV RATIO	INTRO. A.P.R.	REG. RATE	PMT per $5,000
Preferred HELOC	Up to 75%	5.49%*	8.00%=Prime -.25%	$101.38
	76-89%	5.49%*	8.25%=Prime +.0%	$101.98
	90-100%	5.49%*	8.50%=Prime +.25%	$102.58
	101-120%	5.49%*	8.75%=Prime +.50%	$103.19
Interest Only HELOC	Up to 80%	6.04-5.90%***	8.25%=Prime	Call for Pmt**

*Introductory Rate shown is effective through December 31, 2007 and requires a Parkvale Bank checking. Margin increases by .25% without a Parkvale Bank checking account.
After expiration of the introductory rate, the rate will change to a variable rate based on the corresponding regular rate.
We also have attractive introductory rates expiring December 31, 2008 and December 31, 2009. CALL US FOR ALL OUR INTRODUCTORY RATE SPECIALS! Introductory rate must be chosen at the time of application.
**Interest rate is determined by LTV and Qualified Credit Limit.
**For Manufactured Homes, please add .50% to the rate. Manufactured Home loans have a maximum LTV of 80%.
***Parkvale Checking or Money Market account required.

Rates applies to 1 to 4 unit, owner occupied properties.
If you cancel your line within 36 months of the opening date, you will be required to reimburse Parkvale Bank a $350 processing fee.
$10,000 in new funds must be advanced at closing. If an existing Parkvale Bank account of $75,000 or greater is being refinanced, a minimum of $25,000 in new funds must be advanced at closing.
A $220-$275 appraisal fee is required for loans less than $500,000. A $325 appraisal fee is required for loans of or greater than $500,000.
An Annual Fee of $50 will be charged if a $5,000 minimum annual average balance is not maintained after the first year.
Title insurance is required on loans or lines of $250,000 or more. Adequate property insurance is required.

RATES ARE SUBJECT TO CHANGE. Your actual APR will be based on a review of your credit application in accordance with our normal underwriting standards.

To find out your borrowing position, and the maximum amount you should be able to borrow, call us at 412-373-4838 or complete our On-line Information Request Form. We'll get back to you right away with the answer you need.