*APR (annual percentage rate) available for qualifying properties with loan-to-value of 80% or less and is available for lines $50,000 and over. APR is based on Prime Rate (currently 5.00% as of 04/30/08), found in the "Money Rate" section of the Wall Street Journal minus 1.01%. For lines less than $50,000 APR is based on Prime Rate minus .51%. Interest rates are variable and may increase after consummation. Maximum APR is 18%. Minimum line amount $10,000 with minimum advances of $250. A fee of $450 may be charged if you discharge this line within 3 years from line opening date. Homeowners insurance required. Flood insurance may be required. Offer subject to change without notice. Offer available for new customers only. A payment deduction from a Berkshire Bank checking account is required to receive the premium rate. All lines subject to credit approval.