Home Equity Lines of Credit and Loans

Your real Interest rate (APR) may be different than the rates shown. Rates may vary by state, and are applicable to the state in which the security residential or commercial property lies. Your APR is based upon the specific characteristics of your credit application consisting of but not limited to: examination of credit history, amount of credit asked for, residential or commercial property type, lien position, integrated loan to value, and/or geographical place. Rates subject to change.

2APR is variable based on the Wall Street Journal Prime % to %, and will not surpass 18%. As of, Prime Rate is %. Minimum line quantity for Prime % is $200,000. Other rates are available for credit lines in quantities listed below $200,000. APR estimation includes an origination charge, which is considered a financing charge, and does not include extra charges and charges that may be relevant.

For loans secured by New york city residential or commercial property: TD Bank NA is registered with the Superintendent of New York City. You may submit problems and acquire additional information about the servicer by getting in touch with the New york city State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by visiting the Department's site at www.dfs.ny.gov.

Loans subject to credit approval. Equal Housing Lender

1The rate is for illustrative and academic purposes just. Your real Annual Percentage Rate (APR) may be various than the rates revealed. Rates might differ by state, and apply to the state in which the security residential or commercial property lies. Your APR is based on the particular attributes of your credit application including but not limited to: evaluation of credit rating, quantity of credit asked for, residential or commercial property type, lien position, integrated loan to value, and/or geographic location. Rates subject to change.

Combined loan to worth (CLTV) is a percentage calculated by dividing your overall outstanding mortgage(s) - or liens - by the market price of the residential or commercial property. Maximum combined loan to worth (CLTV) is based on creditworthiness, residential or commercial property type, occupancy, lien position and loan amount. Occupancy is related to how you utilize the residential or commercial property. 1) Primary tenancy: a residential or commercial property in which you live most of the year; 2) Secondary occupancy: a residential or commercial property in which you live part of the year (e.g., weekends or trips); 3) Investment: a residential or commercial property that is utilized by others, in which you may or may not get rent.

Offer valid on loan/line quantities as much as $500,000. For loan/line amounts greater than $500,000, extra terms will use. Lien position might impact the maximum loan/loan quantity.

Available on 1-4 household primary or secondary houses, excluding mobile homes, boats, RVs, and homes for sale, under building and construction or on leased land. For co-ops, extra terms and conditions will use. For a residential or commercial property value greater than $2.5 million, extra conditions might apply. Residential or commercial property insurance coverage is needed.

TD Bank does not provide closed end loans (i.e. Home Equity Loans) for the purpose of post-secondary (college) education funding.

TD Bank does not use trainee loans.

Interest paid on an equity line or equity loan might be tax deductible. Consult your tax advisor about the deductibility of interest.

2APR is variable based on the Wall Street Journal Prime % to %, and will not go beyond 18%. As of, Prime Rate is %. Minimum line quantity for Prime % is $200,000. Other rates are readily available for lines of credit in amounts listed below $200,000. APR estimation includes an origination charge, which is considered a finance charge, and does not include additional charges and charges that might be applicable.

A TD Bank individual bank account is required to be qualified for the additional % rate discount rate, which is reflected in the rate revealed here. The relationship discount rate might be terminated and the interest rate on this account may increase by % upon closure of the personal checking account.

The following charges use: yearly cost of $50 (other than on loan amounts less than $50,000) is examined after one-year anniversary; origination charge of $99 is a finance charge; an early termination cost of 2% of exceptional primary balance with a max of $450 applies if line of credit is settled and closed within 24 months from the date the account is opened. Closing costs exist on credit lines greater than $500,000, financial investment residential or commercial properties and co-ops. When refinancing a mortgage or home equity loan/line, a mortgage discharge fee might apply.

If you pay interest just, you will still owe the amounts drawn and your month-to-month payment will increase when the interest-only period ends.

3The interest rate is repaired for the life of the loan. % Annual Percentage Rate (APR) is for loan amounts in between $100,000 and $499,999 with 120-month term and security residential or commercial property in second lien position. Loan terms can vary from 5 years to 30 years. Since, APRs for Home Equity Loans vary from % to %. The APR will not exceed 18%. Other rates are offered for other loan quantities and terms.

Rate revealed consists of discount of 0.25% requiring Automatic Payment Deduction from a TD Bank individual checking or savings account.

Origination fee of $99, which is a finance charge, uses.

For loans secured by New york city residential or commercial property: TD Bank NA is registered with the Superintendent of New York City. You may file problems and obtain more information about the servicer by calling the New york city State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by visiting the Department's website at www.dfs.ny.gov.