Home Equity Line of Credit*

Rates As Of: 09/01/2009

Add .10% on the listed rate without an auto debit from a Wheaton Bank & Trust Company Account

*The Annual Percentage Rate (APR) is a variable rate based on the highest Prime Rate reported in the Money Rates section of the Wall Street Journal (the "WSJ Prime"). On 12/16/08, the Prime Rate was 3.25%.  The minimum APR is 4.50%, the maximum APR for all credits is 18.00%.  Consult your tax advisor about the deductibility of interest.  Offer applies to lines secured by owner-occupied, one-to-four family residences located in the state of Illinois.  Pricing shown and credit availability assumes borrower meets established underwriting criteria.  Otherwise, a higher APR may apply or credit may not be available.  Ask your loan officer for details.  Property insurance will be required.  Flood insurance may be required.  An annual fee of $50 applies but may be waived if the borrower meets certain conditions.  Ask your loan officer for details.  Making just the required payments of interest only will not reduce the principal balance of the loan and will result in a balloon payment equal to the sum of all advances when the loan matures.  If you close your account less than 2 years after it is opened, a $500 early termination fee will apply. To obtain a preferred rate, you must have your monthly home equity line payments automatically debited from your Wheaton Bank or Glen Ellyn Bank checking or savings account.  If for any reason this auto-debit arrangement is terminated during the life of the line, your rate will increase by 0.10% until maturity.  Ask the bank about accounts that qualify for this arrangement.

Residential Mortgage Contact us for current rates.

Other Loans (Construction, Overdraft Protection, Auto, Debt Consolidation)

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