Limited time offer. Subject to change without notice. *Quoted rates assume excellent credit history. Other rates and terms available based on credit history. Home Equity Line of Credit introductory rate is 0.99% APR (Annual Percentage Rate) for the first four months billing periods. **After introductory period, the variable rate of PRIME -0.26% (with a minimum line of $25,000) will apply for the remaining life of the line. (For lines less than $25,000 a variable rate of PRIME + .5% will apply). Maximum APR is 16%. The Prime Rate is the highest rate in the “Money Rates” table of the Wall Street Journal. Prime Rate as of 3/18/08 was 5.25%. Home equity lines are secured by a mortgage on your home. Offer subject to credit approval and property appraisal. Closing cost waiver applies to lines of $250,000 or less and lines must remain open for 36 months. You must carry property insurance. Co-ops not eligible. Alliance Bank, N.A. is a subsidiary of Alliance Financial Corporation (NASDAQ: ALNC). Protecting Personal Information Please note: Alliance Bank, N.A. will not ask that you provide your Social Security number, account number, password, or personal identification number (PIN) as this is information we already have on file. Always contact the bank for verification before responding to any such request at 1-800-310-6275.