Mortgage offer: One $250 reduction in closing costs per property at closing for new mortgage customers who apply between 9/6/2008 and 10/10/2008. Not applicable to FHA loans. Home Equity offer: Discounts available only for stated rates and new applications received between 9/6/2008 and 10/10/2008. Accounts subject to individual approval. Current rates and terms apply. Offer not available on CAPPED RATE HOME EQUITY LINE OF CREDIT® or the Line of Credit as part of the Loan/Line Combo product. Rate caps for Home Equity Line of Credit products apply as follows: Prime -.51% in OH and IL & Prime -.26% in IN and MI. Rates subject to change. Discount offer cannot be combined with any other home equity rate discount promotional offer. One rate reduction or closing discount per property. Checking account required. Circle or Circle Gold Checking required for best rate. Automatic deduction required. Other restrictions apply. See a banker for details. Equal Housing Lender. Member FDIC. Charter One is a division of RBS Citizens, N.A. Mortgages are offered and originated by RBS Citizens, N.A.