TD Bank home Equity Loan1

Your real Interest rate (APR) might be different than the rates shown. % Annual Percentage Rate (APR) is for loan amounts between $100,000 and $499,999 with 120-month term and collateral residential or commercial property in second lien position. The rate of interest is repaired for the life of the loan. Loan terms can vary from 5 years to 30 years. As of, APRs for Home Equity Loans vary from % to %. The APR will not exceed 18%. Other rates are available for other loan quantities and terms. Rates might differ by state, and are based on the state in which the security residential or commercial property is situated. Your APR is based on the particular characteristics of your credit application including however not restricted to: evaluation of credit rating, amount of credit asked for, residential or commercial property type, lien position, combined loan to worth, and/or geographic area. Combined loan to worth (CLTV) is a portion determined by dividing your total outstanding mortgage(s) - or liens - by the market price of the residential or commercial property. Rates subject to alter.

For loans secured by New York residential or commercial property: TD Bank NA is signed up with the Superintendent of New York. You may file complaints and obtain further details about the servicer by contacting 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.

Loans based on credit approval. Equal Housing Lender

1The rate is for illustrative and academic purposes only. Your actual Annual Percentage Rate (APR) might be various than the rates shown. % Interest 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. The rate of interest is fixed for the life of the loan. Loan terms can vary from 5 years to thirty years. As of, APRs for Home Equity Loans vary from % to %. The APR will not exceed 18%. Other rates are available for other loan amounts and terms. Rates may vary by state, and are based on the state in which the collateral residential or commercial property is located. Your APR is based on the particular qualities of your credit application including but not restricted to: examination of credit history, quantity of credit requested, residential or commercial property type, lien position, integrated loan to value, and/or geographic area. Combined loan to worth (CLTV) is a percentage determined by dividing your total outstanding mortgage(s) - or liens - by the market value of the residential or commercial property. Rates subject to change.

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

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

Maximum combined loan to value (CLTV) is based upon credit rating, residential or commercial property type, occupancy, lien position and loan amount. Occupancy is associated with how you use the residential or commercial property. 1) Primary occupancy: a residential or commercial property in which you live most of the year; 2) Secondary tenancy: a residential or commercial property in which you live part of the year (e.g., weekends or getaways); 3) Investment: a residential or commercial property that is utilized by others, in which you might or might not get lease.

Offer valid on loan amounts approximately $500,000. For loan quantities higher than $500,000, additional terms will apply. Lien position may impact the maximum loan quantity.

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

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

2TD Bank does not use student loans.

3A TD Bank personal monitoring account is required to be eligible for this 0.25% HELOC rate discount rate. This relationship discount rate may be terminated and the rates of interest on your Home Equity Line of Credit or Personal Unsecured Line of Credit account may increase by 0.25% upon closure of your qualifying checking account. For a Home Equity Loan or Personal Loan, rate discount rate requires automated payment reduction from an individual TD Bank examining or savings account. This discount rate may be terminated and the rates of interest on this account may increase by 0.25% upon cancellation of the automatic payment reduction.

4Loan quantities for less than $25,000 are just readily available for Home Equity Loans with Primary Residence as residential or commercial property use.

For loans secured by New York residential or commercial property: TD Bank NA is registered with the Superintendent of New York City. You might file complaints and acquire additional information about the servicer by calling the New York 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.