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| (1) | Personal loans are subject to approval. Loan officers are available at all of our branches. |
| (2) | Financial counseling is provided free of charge. |
| (3) | A home equity line of credit is secured by your primary residence and can be used to finance home improvements, a car, boat or other major purchase. |
| (4) | An installment loan can also be used to finance home improvements, a car, boat or other major purchase. |
| (5) | Interest paid on a loan secured by a mortgage on your primary residence may be tax deductible. You should consult with your tax advisor. |
| (6) | The APR for a home equity line of credit is based on Prime with a floor of 5.00%. |
| (7) | Amortization determines the monthly payment for installment loans. Both the principal and interest are payable at maturity for single pay loans. |
Personal Loans (1) (2)
| Features | Home Equity Line of Credit (3) | Installment Loans (4) | Single Pay Loans | |
| Term | Revolving | 6 to 180 months | 1 to 12 months | |
| APR - Annual percentage rate (5) | Based on prime(6) | Interest rates vary | Interest rates vary | |
| Closing costs | Closing costs vary | Closing costs vary | Closing costs vary | |
| Access directly by check
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Yes | No | No | |
| Access through checking account | Yes | No | No | |
| Minimum monthly payment | Interest Only | See below (7) | See below(7) | |
| Payment method | Monthly statement or draft | Monthly by coupon or draft | Periodic statement | |
| Can be used for overdraft protection | Yes | No | No | |
| Credit life insurance available | Unavailable | Available | Available | |
| Credit A&H insurance available | Unavailable | Available | Unavailable | |
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