Savings and Certificate of Deposit Rates
effective 7/01/09

*** Call us for special offers ***

ACCOUNT CATEGORY MINIMUM
BALANCE TO
OBTAIN APY
ANNUAL PERCENTAGE
YIELD (APY)
Checking NOW1 $10 0.05%
Classic Relationship NOW1 $10 0.05%
Savings
& IRAs
Passbook1 $10 0.15%
Statement1 $10 0.20%
Club Savings1 $10 0.05%
Money Market1: $10 - $9,999.99 0.25%
  $10,000.00 - $24,999.99 0.50%
  $25,000.00 - $49,999.99 0.70%
  $50,000.00 and over 0.90%
Classic Money Market1,2: $10 - $24,999.99 0.25%
  $25,000.00 - $49,999.99 0.50%
  $50,000.00 - $99,999.99 0.70%
  $100,000.00 and over 0.90%
IRA $10 0.75%
Certificates 3-month 3 $1,000 0.75%
6-month 3 $1,000 1.15%
6-month "Smart Money" 3 $1,000 1.15%
1 Year $1,000 1.40%
1½ - 2 Year $1,000 1.60%
2½ Year $1,000 1.75%
3 Years $1,000 2.25%
4 Years $1,000 2.50%
5 Years $1,000 2.75%
6 Years $1,000 3.00%
7 - 10 Years $1,000 3.00%
6-24 mo Pure Excitement
Easisaver CD4
$200 1.50%
CD Specials 18 Month Popup $1,000 1.75%
13 Month Excitement $1,000 1.75%
25 Month Excitement $1,000 2.00%
37 Month Excitement $1,000 2.50%
5 Year Excitement $1,000 3.00%
*  

1 At our discretion, Annual Percentage Yield may change at any time after account is opened.

2 Classic Money Market is available only to customers with a Classic Relationship NOW Checking account.

3 Assumptions apply, please ask for details.

4 Not available for IRA customers

A penalty may be imposed for early withdrawal. Fees may reduce earnings on accounts. All Annual Percentage Yields are subject to change at any time.

Deposits fully insured.

Please request further information from a Financial Services Representative concerning the fees and terms applicable for these accounts at (413) 443-5601 or 1-800-773-5601 or stop into any Berkshire Bank location.

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Consumer Loan Rates
effective 06/23/09

Our *Best* rates subject to change without notice.

LOAN TYPE TERM UP TO ANNUAL PERCENTAGE RATE PAYMENT PER $1000
New Car
(2007-08)
60 months 6.74% $19.68
Used Car
(2003-06)
60 months 7.24% $19.92
Used Car
(Older)
60 months 7.49% $20.03
Personal 60 months 11.74% $22.11

All Annual Percentage Rates (APRs) listed above assume a 0% down payment. Other terms and conditions exist, contact a Financial Services Representative for more information at (413) 443-5601 or 1-800-773-5601 or stop into any Berkshire Bank location.

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Commercial Services
effective 07/1/09

All rates subject to change without notice.

Account Rate Tiers Annual Percentage Yield (APY)
Business Money Market1 $10.00 to $999.99 0.00%
$1,000.00 to $24,999.99 0.55%
$25,000.00 to $49,999.99 0.80%
$50,000.00 to $99,999.99 0.90%
$100,000.00 to $499,999.99 1.05%
$500,000.00 and over 1.05%
Cash Management Sweep1 $10.00 to $499,999.99 0.65%
$500,000.00 and over 1.00%
Commercial Checking Earnings Credit (to offset account fees) 0.65%
1 - At our discretion, Annual Percentage Yield may change at any time after account is opened.

Please request further information from a Financial Services Representative concerning the fees and terms applicable for these accounts at (413) 443-5601 or 1-800-773-5601 or stop into any Berkshire Bank location.

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Home Equity Rates
effective 01/31/09

All rates subject to change without notice.

Home Equity Loan Programs Interest Rates Thereafter Payment Per $1000
Pure Excitement Home Equity Line* 2.99% APR 2.99% APR $6.91
*APR (annual percentage rate) available for qualifying properties with loan-to-value of 80% or less and is available for lines $10,000 and over. APR is based on Prime Rate (currently 3.250% as of 1/31/09), found in the "Money Rate" section of the Wall Street Journal minus .26% for life. If you choose to make your payments by cash, check or money order (the "cash payments plan") or cancel automatic payment, your APR will increase to Prime. 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 .26% for life. APRs are variable and may increase after consummation. The maximum APR that can apply is 18% and the minimum APR can be no lower than 2.99%. If the line of credit is paid off and closed during the first 36 months, an early termination fee of $450.00 will be assessed. An Annual Fee of $50 will apply. New York State Mortgage Tax will apply for lines of $250,000 or more, the customer pays the New York State Mortgage Tax at closing. If the line of credit is paid off and closed during the first 36 months, an early termination fee of $450.00 will be assessed and if in New York State; the New York State mortgage tax previously paid will be recovered. A $15 service fee will be assessed for advances less than $250. 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.

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Mortgage Rates
effective 07/03/09

All rates subject to change without notice.

Fixed Rate Mortgages - Primary Residence and Second Homes Payment Per $1000
Program Interest Rate Points Annual Percentage Rate (e)
10 Years 4.625% 0 4.684% $10.43
15 Years 4.875% 0 4.917% $7.85
20 Years 5.500% 0 5.534% $6.88
30 Years 5.500% 0 5.525% $5.68
NOTE: These rates are effective for 1-4 family owner-occupied properties for Purchase Mortgage and Rate and Term Refinance Mortgage Loans up to $417,000 for up to 95% Loan-to-Value. Cash-Out Refinance Loans limited to 70% Loan-to-Value. Loans over $417,000 to $650,000 available.

Please contact us for details.

OTHER RESTRICTIONS MAY ALSO APPLY!!

Adjustable Rate Mortgages - Primary Residence and Second Homes Payment Range Per $1000
Program Interest Rate Points Annual Percentage Rate (e) **
1 Year 5.250% 0 3.659% $5.52
3 Year Fixed/
1 Year ARM
5.125% 0 3.890% $5.45
5 Year Fixed/
1 Year ARM
5.250% 0 4.156% $5.53
10 Year Fixed/
1 Year ARM
6.000% 0 5.155% $6.00
APRs assume a $180,000.00 loan with a 20% down payment for a 30-year term, unless otherwise specified.

** APR may increase after consummation.

First Time Homebuyer Mortgages
Primary Residences Only
Program Interest Rate Points Annual Percentage Rate (e) Payment Per $1000
30 Years-
MassHousing
MassAdvantage
6.000% 0 6.034% $6.00
5 Year Fixed/
1 Year ARM First Time Conv.
5.125% 0 5.159% $5.45
APRs assume a $180,000.00 loan with a 20% down payment for a 30-year term, unless otherwise specified.
NOTE: These rates are effective for 1 family owner-occupied property for Purchase Mortgages only. 2-4 unit programs available.
Please contact us for details.
OTHER RESTRICTIONS MAY ALSO APPLY!

** APR may increase after consummation.

Land Loans
Program Interest Rate Points Annual Percentage Rate (e) Payment Per $1000
3 Year Interest Only
w/balloon
6.000% 1 6.509% $5.00

Other residential mortgage rates and terms are available.

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member: FDIC  |  member: DIF  | Geo Trust

Equal Housing Lender
Berkshire Bank
24 North Street, P. O. Box 1308
Pittsfield, Massachusetts 01202-1308
1-800-773-5601
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