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* OFFER AND RATES: Rates will be higher for combined loan-to-value (CLTV) ratios higher than 80%. Maximum CLTV is based on creditworthiness, property type, occupancy
and loan amount. For a property value greater than $2.5 million, additional terms and conditions may apply. Lien position may affect the maximum loan amount. Available on
1-4 family primary or secondary residences, excluding mobile homes, and homes for sale, under construction or on leased land. For co-ops, additional terms and conditions
will apply. Annual Percentage Rate (APR) is variable based on The Wall Street Journal Prime minus 0.25%, and will not exceed 18%. Prime as of 12/12/2012 was 3.25%.
Minimum line amount for Prime minus 0.25% is $200,000. Minimum line amount for prime plus 0.50% is $50,000. Other rates are available for lines of credit in amounts
below $50,000. APR is an estimate only. APR calculation does not include fees and charges that may be applicable. A qualifying TD Bank Checking Account is required to
be eligible for this additional 0.25% discount. This relationship discount may be terminated and the interest rate on this account may increase by 0.25% upon closure of the
qualifying checking account. The following fees apply: annual fee of $50, origination fee of $99 (this is a finance charge), and early termination fee of $450. Property insurance
required. The monthly payment examples are calculated as follows, and are all interest-only payments: the monthly payment of $453 is based on loan amount of $200,000
at an APR of 2.75% (currently prime minus 0.50% and subject to change); the monthly payment of $309 is based on loan amount of $100,000 at an APR of 3.75% (currently
prime plus 0.50% and subject to change); the monthly payment of $155 is based on loan amount of $50,000 at an APR of 3.75% (currently prime plus 0.50% and subject
to change). If you pay interest only, you still owe the amounts drawn and your monthly payment will increase when the interest-only period ends. Offer valid on line amounts
up to $500,000. For line amounts greater than $500,000, additional terms and conditions will apply. Rates may vary by state, and are applicable to the state in which the
collateral property is located, which may differ from the mailing address shown on this letter. Rates subject to change. Ask us for details.
� TERMS & CONDITIONS: Information contained in your credit report was used in connection with this offer. You received this offer because you satisfied our pre-established
criteria for creditworthiness used to select individuals for this offer, and based on an initial determination that you met TD Bank�s credit standards. TD Bank maintains the
right to either reduce or not extend the credit at all if, after you respond, we find that 1) we are unable to confirm you are the person to whom the offer was made, or any
information you provide to us is incomplete, inaccurate or unverifiable; 2) we determine that you no longer meet the criteria used to select you for this offer or any other
criteria bearing on your creditworthiness; 3) we determine that your debt-to-income ratio exceeds guidelines; 4) your property does not meet the collateral requirements
identified above. Also, in rare circumstances, we may not extend the credit based on information in an additional credit report. You authorize TD Bank to investigate your
credit and employment history and release any credit experience to consumer reporting agencies and others who may properly receive such information.
TAX DEDUCTIBILITY: Interest paid on an equity line or equity loan may be tax deductible. Consult your tax advisor about the deductibility of interest.
USA PATRIOT ACT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all
financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means
to you: when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to
identify you. We may also ask to see your driver�s license or other identifying documents.
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