*One year after loan date, the rate will change to a variable rate of Prime (published as Bank Prime Loan Rate in the Federal Reserve Statistical Release H15) plus .50% (Regular Annual Percentage Rate, APR: 3.80%). Prime as of 7/1/10 is 3.25%. Minimum loan amount: $25,000, maximum loan to value: 75%. Available for qualifying single family owner-occupied properties in PA, OH and WV. Your actual APR will be based on a review of your credit application. After the Introductory period, maximum APR 18% for PA, OH and WV residents, minimum APR 2.99% for PA residents and 3.50% for OH and WV residents. The special Introductory rate applies to new Home Equity Line of Credit customers only. You must have a Parkvale Interest Checking or Money Market Account and a Parkvale debit card to be eligible for this special rate. Low introductory rates also available for other line amounts and loan to values. Adequate property insurance required. Title Insurance required on lines over $250,000. A $149 non-refundable application fee applies for OH and WV residents. If an appraisal is required, the cost will be $275 or less. If the line is canceled within 36 months after the date it was opened, you must reimburse Parkvale $350 for certain costs in connection with opening the line. One year after the loan date, a $50 Annual Fee will be assessed to your account if you do not maintain an average annual loan balance equal to or greater than $5,000. Consult your tax advisor about deductibility of interest. These rates are accurate as of publication date. This offer may be discontinued at any time. Member FDIC. PA/OV 7/14/2010
