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* The FlexLock Home Equity Line of Credit (“Line”) has an Annual Percentage Rate (“APR”) that may vary monthly based on the latest U.S. Prime Rate published in The Wall Street Journal as of the first business day of the month.  To obtain the best Line rate of Prime minus a margin of 0.51 percentage points (now 2.74% APR), your Line must be secured by a first position mortgage lien on your property, you must obtain a minimum line amount of $100,000 and you must use automatic payment from a Santander checking account.  If automatic payments are discontinued, the interest rate will increase by 0.25 percentage points and the payment will increase.

The lowest APR also assumes that your Line will be secured by your 1-4 family owner-occupied  residential property located in MA, RI, CT, NH, NJ, PA, DE, ME, VT or DC and that total mortgage loans to be secured by this property will not exceed 80% of the property’s value. FlexLock Lines with lower credit limits, higher loan-to-value ratios and investment properties as security are also available. Contact us for information about applicable rates and terms.

There is a $450 termination fee if you close the Line within 36 months. An annual fee, if any, will be charged during the Draw Period. The amount of any annual fee will vary based on the type of deposit account you have with Santander at the time the fee is assessed. The annual fee will be waived as long as you maintain a Santander Select or Premier Checking account. The annual fee will be $25 as long as you maintain an existing Santander Preferred account. In all other cases, including when you open a new Santander Preferred Plus account, the annual fee will be $50. There is a $50 fixed rate lock fee for each lock-in request. Balances you choose to lock-in at a fixed rate of interest must be repaid in substantially equal monthly payments of both principal and interest. Property insurance is required. Flood insurance may be required.  FlexLock account use is subject to the terms of the Santander Home Equity Line of Credit Agreement, including terms that permit Lines to be suspended, reduced or terminated in certain circumstances.

Maximum Line amount is $750,000. Maximum APR is 18%.  Minimum APR is 2.24%. If your home is on the market for sale at the time of application, you are not eligible for this offer. If your property is held in trust, this offer is not applicable, as a nonrefundable fee of $175 will be charged for consideration of trust properties. Rates and other terms accurate as of 4/1/14 and are subject to change thereafter.

§ The Flexlock Home Equity Line has a rate that may vary monthly based on the latest U.S. Prime Rate as published in the Wall Street Journal as of the first business day of the month.  To obtain the best rate of Prime Rate minus a margin of 0.25 percentage points (now 2.99% APR)   the Line of Credit must be in first lien position, must be a minimum line of $100,000 and you must use automatic payment from a Santander checking account.  Maximum APR is 18%.  Minimum APR is 2.24%. If automatic payments are discontinued, the interest rate will increase by 0.25 percentage points and the payment will increase. Flexlock Lines with lower credit limits, higher loan-to-value ratios, and investment property types are also available. Contact us for information about applicable rates and terms.

The lowest APR assumes that this Home Equity Line of Credit will be in first lien position and secured by your 1-4 family owner-occupied residential property located in NY or MD and does not exceed 80% of the value of that property. There is a $450 termination fee if you close the line within 36 months. An annual fee, if any, will be charged during the Draw Period. The amount of any annual fee will vary based on the type of deposit account you have with Santander at the time the fee is assessed. The annual fee will be waived as long as you maintain a Santander Select or Premier Checking account. The annual fee will be $25 as long as you maintain an existing Santander Preferred account. In all other cases, including when you open a new Santander Preferred Plus account, the annual fee will be $50. Mortgage recording tax will be paid by Santander, but must be reimbursed if the line is closed within 36 months.  There is a $50 fixed rate lock fee for each lock-in request. Balances you choose to lock-in at a fixed rate of interest must be repaid in substantially equal monthly payments of both principal and interest. Property insurance is required. Flood insurance may be required.  FlexLock account use is subject to the terms of the Santander Home Equity Line of Credit Agreement, including terms that permit lines to be suspended, reduced or terminated in certain circumstances.

Maximum line amount is $750,000. If your home is on the market for sale at the time of application, you are not eligible for this offer. If your property is held in trust, this offer is not applicable, as a nonrefundable fee of $175 will be charged for consideration of trust properties. Rates and other terms accurate as
of 4/1/14 and are subject to change thereafter.

** Check with your tax advisor.

† This is not an automatic feature of any loan or line of credit. It must be separately requested and purchased by the borrower at an additional cost. Eligibility requirements, benefit limitations, exclusions and other terms and conditions apply. Ask for details.