*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 life. For lines less than $50,000 APR is based on Prime Rate minus .51% for life. A $5,000 initial draw deposited into a Berkshire Bank checking account at end of rescission period (if applicable) is required to qualify for the Prime Rate minus 1.01% and .51% for life. For all lines without an initial draw and with a Berkshire Bank checking account the APR is based on the Prime Rate for life. 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. All lines subject to credit approval. Offer subject to change without notice and available for new customers only. No purchase necessary for entry in The Great $30,000 CA$H Giveaway. Void where prohibited. New and existing equity loan customers will earn one automatic entry with a $5,000 draw deposited into a Berkshire Bank checking account. Sweepstakes begins May 16, 2008 and ends December 31, 2008. Sweepstakes open to legal U.S. residents 18 years of age or older with a unique, personal and valid social security number. Customer responsible for applicable taxes. To receive a free entry or to obtain full official rules please send a SASE to: Berkshire Bank, Marketing Department, P.O. Box 1308, Pittsfield , MA 01201. See Official Rules for complete details.