HOME EQUITYLINE OF CREDITCurrentNon-Introductory Rate3Introductory Rate.75%) 4.25%APRAFTER 3-MONTHSAPRFIXED FOR 3-MONTHSFEES WAIVED** Home Equity Line of Credit bears an initial Annual Percentage Rate (APR) of 0.75%fixed for  period of three months from the date of origination if an initial draw o$10,000or more is taken at closing. Following this initial rate period, the rate illvary 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 he 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. Tis offer is effective 07/01/17 and may be modified or discontinued without any notice. Property insurance is equire. 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 saken 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 ne 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 e 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 12, 2017

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Peoples Security Bank & Trust Company

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HOME EQUITYLINE OF CREDITCurrentNon-Introductory Rate3 Introductory Rate.75%) 4.25%APRAFTER 3-MONTHS APRFIXED FOR 3-MONTHSFEES WAIVED** Home Equity Line of Credit bears an initial Annual Percentage Rate (APR) of 0.75%fixed for period of three months from the date of origination if an initial draw o$10,000or more is taken at closing. Following this initial rate period, the rate illvary 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, 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 he 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. Tis offer is effective 07/01/17 and may be modified or discontinued without any notice. Property insurance is equire. 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 saken 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 ne 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 e charged at closing ranging between $450to $750 in Pennsylvania and $400 to $3,250 in New York Bank & Trust Est.1905psbt.com | 888.868.3858 FOLLOW USLIKE US facobook.com/psbNEPA FDIC

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