Advertised Introductory 1.99% Annual Percentage Rate (APR) is the lowest available, is fixed for the first 12 months requiring an initial disbursement of $25,000 or more immediately after 3-day rescission period. Offer applicable for applicants with a credit score of 700 or higher. After initial 12 monthly billing cycles, rate becomes variable based on Prime, with a floor of 4.00% (4.00% APR as of 1/4/12). Interest rate and line amount determined by individual creditworthiness and loan-to-value ratio. Account subject to individual approval. Applicable trust review fees apply. 1-4 family, owner-occupied, primary residence properties only. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. APR will not exceed 21% or fall below 4.00%. No annual fee for first year, then $50 per year. If a Home Equity Line is paid in full and closed within twelve (12) months of open date, a prepayment penalty will apply: RI - up to $250, but not to exceed 2% of the balance due at time of payoff; MA - remaining balance of first year's interest or amount equal to last 3 months interest, whichever is less. Existing PCU home equity lines/loans are not eligible for refinance with this promotion. Equal Housing Lender.

3.50% APR on a 5/5 adjustable rate loan is fixed for the first 60 months and then may change every five years. Available for qualifying properties, first lien position equity, with a loan-to-value (LTV) of 80% or less, and a maximum repayment period of 144 months. Max Adjust 1/2% within first 10 years. Lifetime Cap 1%. A minimum credit score of 675 is required for all borrowers. Advertised APR is lowest available (as of 1/4/12). Other rates and terms available. Applicable trust review fees apply. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. Account subject to individual approval. 1-4 family owner-occupied primary residence properties only. If a Home Equity Loan is paid in full within twelve (12) months of loan closing, a prepayment penalty will apply: RI - up to $250, but not to exceed 2% of the balance due at time of payoff; MA - remaining balance of first year's interest or amount equal to last 3 months interest, whichever is less. Existing Pawtucket Credit Union Spectrum Home Loans are not eligible for this promotion. Repayment example: $8.51 per $1,000 borrowed for initial 60 monthly payments, followed by $8.66 per $1,000 borrowed for remaining 84 month period. Interest rate and payments may increase or decrease every five years after initial 60 month period.

3.75% APR available for qualifying properties, first lien position equity, with a loan-to-value (LTV) of 80% or less, and a maximum repayment period of 144 months. A minimum credit score of 675 is required for all borrowers. Advertised APR is lowest available (as of 1/4/12). Other rates and terms available. Applicable trust review fees apply. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. Account subject to individual approval. 1-4 family owner-occupied primary residence properties only. If a Home Equity Loan is paid in full within twelve (12) months of loan closing, a prepayment penalty will apply: RI - up to $250, but not to exceed 2% of the balance due at time of payoff; MA - remaining balance of first year's interest or amount equal to last 3 months interest, whichever is less. Existing Pawtucket Credit Union Spectrum Home Loans are not eligible for this promotion. Repayment example: $8.64 per $1,000 borrowed, based on 3.75% APR, 144 monthly payments.