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Home Equity Loan Rates as low as example: Rates as low as 5.51% APR available for qualifying properties in CT, DE, MA, ME, NH, NJ, PA, RI, & VT with a loan-to value (LTV) of 75% or less for loans of $200,000 to $1,000,000, with an auto deduction from a Circle Checking account and a 10 year term. A home equity loan of $200,000 with a 10-year term at 5.51% APR results in 120 monthly payments of $2,169.53. Rates as low as 5.76% APR available for qualifying properties in IL, IN, KY, MD, MI, NY, OH, & VA with a loan-to value (LTV) of 75% or less for loans of $200,000 to $1,000,000, with an auto deduction from a Circle Checking account and a 10 year term. A home equity loan of $200,000 with a 10-year term at 5.76% APR results in 120 monthly payments of $2,194.39. Lowest rate available has a flat closing fee of $125. Other rates and terms available. Rates and terms vary by credit qualifications, property type, loan amount, term, and LTV ratio. Offer subject to change without notice. 1 to 4-family owner-occupied properties only. Not available for homes currently for sale or intended to be sold within six months of closing. Property insurance required. Flood insurance may be required. If the Home Equity Loan is canceled within three years of activation, a prepayment fee of up to $350 will apply. Please call for details.

Home Equity Line Rates as low as example: Variable APR based on The Wall Street Journal "Prime Rate" ("Prime") published daily. Rates as low as Prime plus 0.75% (4.00% APR as of 12/16/2008) available for qualifying properties in CT, DE, IL, IN, KY, MD, MA, ME, MI, NH, NJ, NY, OH, PA, RI, VA, & VT for lines of $100,000 to $1,000,000 with a loan-to-value (LTV) of 75% or less. Circle Checking account with auto deduct required for lowest rate. 1 to 4-family owner-occupied properties only. Rate and terms may change at any time and vary by credit qualifications, property type, loan amount, and LTV ratio. Maximum APR 21% (18% in NJ & PA), minimum APR 2.5%. Not available for homes currently for sale or intended to be sold within six months of closing. Property insurance required. Flood insurance may be required. No annual fee the first two years, then $100 per year. Annual Fee may be waived for life for qualified applicants. If a Line of Credit Agreement is canceled within three years of activation, a prepayment fee of up to $350 will apply. Consult your tax advisor regarding deductibility of interest. Please call for details.