HOME EQUITYLINE OF CREDITCurrentNon-Introductory Rate3Introductory Rate.75%) 4.25%APRAFTER 3-MONTHSAPRFIXED FOR 3-MONTHSFEES WAIVED***This Home Equity Line of Credit bears an initial Annual Percentage Rate (APR) of 0.75%fixed for a period of three months from the date of origination if an initial draw of $10,000or more is taken at closing. Following this initial rate period, the rate will vary adjustingdaily to a rate equal to the Wall Street Prime Interest Rate, currently 4.25% APR. This offerapplies to new money only. The rate in Pennsylvania will never fall below 4.00% APR, norrise above 25% APR, the rate in New York will never fall below 4.00% APR nor rise above 16%A checking account with autodraft of payment is required to receive the rate; other ratesterms available. This offer is available to borrowers for owner-occupied 1-4 family primaryresidence with loan to value ratios up to 80%. Other rates and terms are available. Offersubject to credit and collateral approval. This offer is effective 07/01/17 and may be modified or discontinued without any notice. Property insurance is required. Flood insurance maybe required as necessary. See your tax advisor regarding tax deductibility of interest andfees chorgedSERVING NINE COUNTIESIN PENNSYLVANIALackawanna Lehigh Luzerne MonroeMontgomery Northampton SusquehannaWayne. Wyoming & Broome County, NYSecurityFees will be waived if an initial draw of $10,000 or more is taken at closing and the lineremains open for 36 months. For New York properties, the borrower's portion of the NewYork Mortgage Recording Tox is not waived and must be paid by the borrower. lf the ine isclosed within 36 months, the borrower agrees to repay al waived closing fees. if a draw ofless than S10,000 is taken at closing fees will be charged at closing ranging between $450to $750 in Pennsylvania and $400 to $3,250 in New YorkBank & Trust Est.1905psbt.com | 888.868.3858FOLLOW USLIKE USfacobook.com/psbNEPA FDIC

Date: July 5, 2017

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Peoples Security Bank & Trust Company

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HOME EQUITY LINE OF CREDIT Current Non-Introductory Rate 3 Introductory Rate .75% ) 4.25% APR AFTER 3-MONTHS APR FIXED FOR 3-MONTHS FEES WAIVED** *This Home Equity Line of Credit bears an initial Annual Percentage Rate (APR) of 0.75% fixed for a period of three months from the date of origination if an initial draw of $10,000 or more is taken at closing. Following this initial rate period, the rate will vary adjusting daily to a rate equal to the Wall Street Prime Interest Rate, currently 4.25% APR. This offer applies to new money only. The rate in Pennsylvania will never fall below 4.00% APR, nor rise above 25% APR, the rate in New York will never fall below 4.00% APR nor rise above 16% A checking account with autodraft of payment is required to receive the rate; other rates terms available. This offer is available to borrowers for owner-occupied 1-4 family primary residence with loan to value ratios up to 80%. Other rates and terms are available. Offer subject to credit and collateral approval. This offer is effective 07/01/17 and may be modi fied or discontinued without any notice. Property insurance is required. Flood insurance may be required as necessary. See your tax advisor regarding tax deductibility of interest and fees chorged SERVING NINE COUNTIES IN PENNSYLVANIA Lackawanna Lehigh Luzerne Monroe Montgomery Northampton Susquehanna Wayne. Wyoming & Broome County, NY Security Fees will be waived if an initial draw of $10,000 or more is taken at closing and the line remains open for 36 months. For New York properties, the borrower's portion of the New York Mortgage Recording Tox is not waived and must be paid by the borrower. lf the ine is closed within 36 months, the borrower agrees to repay al waived closing fees. if a draw of less than S10,000 is taken at closing fees will be charged at closing ranging between $450 to $750 in Pennsylvania and $400 to $3,250 in New York Bank & Trust Est.1905 psbt.com | 888.868.3858 FOLLOW US LIKE US facobook.com/psbNEPA FDIC

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