To apply for one of our home equity loans, you must be:

• 18 years of age or older
• Live within any one of the United States except the following: AL, AZ, CA, DC, NV, TX
• Agree to provide additional personal and business information, if requested, such as tax returns and financial statements
• Certify that all information submitted in the application is true and correct
• Authorize the bank and or a credit bureau to investigate the information on the application

Please read our Disclosures. If you applied for your credit account online within the last 90 days, you may also review the original disclosures provided to you.

1 Subject to credit approval. Typical loan payment examples are as follows: If you borrow $10,000 secured by an owner occupied home, for 60 months at 9.16% APR, the monthly payment would be $208.36 or if you borrow $15,000 secured by an owner occupied home, for 180 months at 8.09% APR, the monthly payment would be $181.52. If you payoff the loan for any reason within 36 months, a $350.00 penalty will apply. Rates published may not reflect Key package pricing or relationship discounts. The APRs include a $99.00 origination fee and assume use of the bank's optional automatic payment deduction plan with a KeyBank checking account. Normal checking account service charges apply. Please refer to specific checking account disclosures for details. Add 0.25% to stated rates when an automatic payment deduction plan is not established. Actual rates, APRs, fees, payment amounts and terms are based on loan to value (LTV), product, term, loan amount and credit qualifications. Rates are subject to change without notice and are determined from those offered as of the date of application.

2 Consult your tax advisor regarding the deductibility of interest.

3 Loan to value ratios apply only to loans secured by owner occupied real estate.

Subject to credit approval.

KeyBank is Member FDIC.