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1 Introductory APR is in effect 6 months from the date of contract. After expiration of the introductory period, the rate will revert to the standard rate (Prime + 0%, currently 4.75% APR). Refinances of existing Loan in a Line accounts, and loans done simultaneously with a residential mortgage (combo loan), are not eligible for the introductory rate. Introductory rate applies to primary residences only. A minimum of $10,000 advance of new money at closing is required for discounted introductory APR.
2 Annual Percentage Rate (APR) will vary with Wall Street Journal Prime Rate (4.75% as of 1-6-20). For lines up to $75,000, your standard rate APR will not be lower than 4.00%, or higher than 18.00%. For lines over $75,000, your standard rate APR will not be lower than 3.25%, or higher than 18.00%. Closing costs will be paid by the Bank, except for appraisals (at an approximate cost of $295) and title insurance, if required. If you close your account within 36 months of account opening, you will be charged an Account Closing Fee equal to the lesser of 2% of the line amount or $295, except for loans secured by properties in Maryland. For loans secured by property in Maryland, you will be required to reimburse us for the closing costs the bank paid. Lines are subject to a $25 annual fee, to be charged on each anniversary date. A $75 lock fee will be assessed each time a borrower creates a fixed rate advance within the line; fee waived if fixed advance is established at line opening. Subject to approval based upon a review of your credit and maximum LTV of less than 89.9%. Home is your primary residence in Pennsylvania or Maryland only. Property insurance is required, including flood insurance if applicable. Lines over $250,000 may require title insurance ($800-$2,400). Other fees and conditions may apply. Subject to change or withdrawal without notice. Interest paid may be tax deductible. Consult your tax advisor.