To get a Personal Line of Credit (“Line”) with the annual percentage rate (APR) shown, you must reside in MA, RI, CT, NH, NJ,PA, NY, DE, ME, VT, MD, or DC, have or open a Santander checking account, and use automatic payment (ePay) from that account. You must also meet our highest credit standards. A Santander checking account is not required to qualify for a Line of Credit, but use of ePay from a Santander checking account will result in an interest rate discount. If ePay is discontinued, theinterest rate will increase by 0.25 percentage points, and your payment will increase. For new Personal Lines of Credit, your initial APR is based on the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal (WSJ) on the date you sign the credit agreement. Thereafter, your APR may vary monthly and is based on the U.S. Prime Rate published in the Money Rates table of the WSJ on the first business day of the calendar month, plus a margin of 4.24% APR with ePay from any Santander checking account. Minimum Line APR is 6.49% and the maximum is 18.00%. Contact us for information about higher rates that may be available to applicants who do not meet those standards. Fees: The annual fee will be waived as long as you maintain a Santander Select, Premier, or Premier Plus Checking account. The annual fee will be $25 as long as you maintain a Preferred Checking account. In all other cases, the annual fee will be $50. Please note, not all checking products listed are currently offered for sale. Draw & Repayment Terms: TheLine has a five-year draw period during which you can obtain advances and elect either principal and interest or interest-onlypayments. Thereafter, no additional advances may be taken and the Line will enter its five-year repayment period during which you must repay principal and interest. Other Information: Line use is subject to the terms of the Personal Line of Credit Agreement, including terms that permit Lines to be suspended,reduced, or terminated in certain circumstances. The minimum Line amount is $5,000 and the maximum is $35,000. APRs and other terms are accurate as of 10/1/2018, and may change thereafter. Line accounts are subject to approval.