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1 Introductory APR is in effect 15 months from the date of contract. After expiration of the introductory period, the rate will revert to the standard rate (Prime + 0%, currently 5.50% 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. 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 (5.50% as of 3-18-19) with a minimum APR of 4.00%, and a maximum APR of 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 of equal to the lesser of 2% of the loan amount or $295, except in Maryland. For accounts 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 credit 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.