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Copyright 2012 RBS Citizens Financial Group, Inc. All rights reserved.

Citizens Bank is a brand name of RBS Citizens, N.A. (NMLS ID# 433960) and Citizens Bank of Pennsylvania (NMLS ID# 522615). RBS Citizens N.A. and Citizens Bank of Pennsylvania are affiliates.

Home Equity Line of Credit: For a limited time only our best rate, including all discounts, is Prime minus 0.26% (2.99% Annual Percentage Rate (APR)) available in CT, DE, MA, NH, NJ, NY, OH, PA, RI, and VT only. Prime minus 0.01% (3.24% APR) available in MI and IL. This best rate offer requires a minimum line amount of $100,000 (minimum line amount $200,000 in NY), an initial balance of at least $25,000 at closing, having or opening a Circle Gold Checking® account with an automatic deduction of your home equity line of credit monthly payment and submitting a new application for your home equity line of credit. Rate and terms may change at any time before or after account opening and vary by property type, loan amount, credit history, lien position, loan-to-value (LTV) ratio and draw amount at closing. All accounts are subject to individual approval. Variable Annual Percentage Rate (APR) based on The Wall Street Journal “Prime Rate” (“Prime”) published on the last business day of the month, 3.25% as of 9/30/2012 plus or minus a margin. Maximum APR 21%, (18% in NJ and PA) Minimum APR 2.5%. 1 to 4-family owner-occupied properties, condominiums, and 2nd/vacation home owner occupied properties. Not available for homes currently for sale. Homes listed for sale must be off the market for at least 90 days prior to application. Property insurance required. Flood insurance may be required. Trust review fees ranging from $85 to $350 apply for properties held in trust. No annual fee first year, then $50 per year. Pre-payment penalty of $350 if closed within first 36 months. No pre-payment penalty in NJ and PA. Offer not available on CAPPED RATE HOME EQUITY LINE OF CREDIT®. Consult your tax advisor regarding deductibility of interest. Monthly payment $125 example is based on a home equity line of credit balance of $50,000 at 2.99% APR (Prime - 0.26% ) and an interest-only payment for the first 10 years. This interest rate is variable and the monthly payments will change over the 10 years. After the 10-year period expires, your balance will be converted to a principal and interest payment at a rate in effect at that time with a 15-year fixed repayment period.