* APR (Annual Percentage Rate). Limited time promotional offer available only on new loans of $20,000 or more (240 monthly payments of $7.16 per $1,000 borrowed) in a second lien position (no first mortgage liens permissible). Loan-to-value ratio not to exceed 80%. Prepayment penalty of $500 if paid-off within 3 years. Eligible properties include primary residences and true second homes only; mobile homes and seasonal cottages are excluded from this offer. Property insurance required. Interest may be tax deductible; please consult your tax advisor. Other terms and conditions may apply. Loan products are available to qualified applicants who meet the Bank’s current loan underwriting guidelines. Offer good on applications taken between 10/05/09 and 12/04/2009.