If you are a homeowner, a home equity loan or credit line can help you finance home improvements, college tuition, debt consolidation or even a dream vacation. Whatever your situation, or borrowing needs, choose from one of our "Equity Edge" Home Equity Programs at competitive rates and terms. Our experienced staff will help you select a program that provides the cash you need at payments you can afford. "Equity Edge" Loans

• Fixed and Adjustable rate program options available
• Low closing costs and NO POINTS
• No prepayment penalties AT ANY TIME

» Contact Us Limited Time "Equity Edge" Loan Special
5.996% Annual Percentage Rate*
Limited Time Offer

• 5-10 Year Term
• Fixed Rate
• No Points
• No prepayment penalties AT ANY TIME

» Contact Us Limited Time "Equity Edge" Loan Special
6.753% Annual Percentage Rate**
Limited Time Offer

• 11-20 Year Term
• Fixed Rate
• No Points
• No prepayment penalties AT ANY TIME

» Contact Us "Equity Edge" Line of Credit

• Instant access to funds
• Various plan options available
• Credit limits available up to $200,000
• No points and no, or low, closing costs

» Contact Us Limited Time "Equity Edge" Line of Credit Special
7.25% Annual Percentage Rate***
Limited Time Offer

• No Application Fee
• No Points
• No closing costs†

» Contact Us *Annual Percentage Rate ("APR") for the Home Equity Loan Special is effective as of 5/22/2007. This offer may be subject to change or be withdrawn without prior notice. APR of 5.996% based upon a loan amount of $100,000. Maximum 80% combined loan-to-value. Minimum loan amount of $10,000; Maximum loan amount of $100,000. Primary residence 1-4 family homes only. If you borrow $100,000 for a 10 year term at a rate of 5.99%, 119 equal monthly payments of principal and interest will be $1,109.70, followed by a final payment of $1,110.13. Rate per thousand borrowed is $11.09. Homeowners insurance required. Flood insurance required when necessary. Closing costs apply. Not available for homes currently for sale or intended to be sold within six months of closing.

**Annual Percentage Rate ("APR") for the Home Equity Loan Special is effective as of 5/22/2007. This offer may be subject to change or be withdrawn without prior notice. APR of 6.753% based upon a loan amount of $100,000. Maximum 80% combined loan-to-value. Minimum loan amount of $10,000; Maximum loan amount of $100,000. Primary residence 1-4 family homes only. If you borrow $100,000 for a 20 year term at a rate of 6.75%, 239 equal monthly payments of principal and interest will be $762.39, followed by a final payment of $760.36. Rate per thousand borrowed is $7.60. Homeowners insurance required. Flood insurance required when necessary. Closing costs apply. Not available for homes currently for sale or intended to be sold within six months of closing.

***Annual Percentage Rate ("APR") for the Home "Equity Edge" Line of Credit Special is effective 5/22/2007. This offer may be subject to change or be withdrawn without prior notice. Interest Rate of Prime -1.00% APR, (Prime Rate as of 1/31/07 is 8.25%) adjusted monthly. Max. APR is 18%. The APR is a variable rate adjusted monthly equal to the highest Prime Rate listed in the Wall Street Journal on the last business day of each month and is subject to change.

†State required recording fees apply. No closing costs apply if borrowers access at least $25,000 at closing and no appraisal fee, title insurance, MLC or MLC recording fees apply. Hazard Ins. required. Flood Ins. and Title Ins. required where necessary. All Equity Lines are subject to a $50.00 annual maintenance fee. A $300.00 early cancellation fee will apply for lines closed within 2 years of opening. Offer available on new lines on owner occupied 1-4 family properties. Max. 80% loan-to-value. Other terms and conditions may apply. Consult your tax advisor regarding tax deductibility. For more information please contact our Real Estate Lending Department at 800-444-4300 or email us at info@winterhillbank.com.