Consumer Loan Interest Rates (effective 12/14/07)

PRODUCT	TERM	APR**
.New Auto*	.up to 60 months	.7.50%
	.up to 72 months	.8.50%
.Used Auto (2007 and prior)	.up to 48 months	.8.75%
.Overdraft Protection	.revolving	.18.00% fixed
.Personal Line of Credit^ .($5,000-$25,000)	.revolving	.WSJ Prime + 6.50%
.Unsecured Loan	.up to 48 months	.15.50% fixed
.Home Equity Loan^	.revolving	.WSJ Prime up to 80% LTV
.	.Fixed rate installment 2nd mortgage	.8.50% fixed

 

*Any new auto with over 12,000 miles, additional 1.00% to posted rate.
New auto loans require a 10% down payment or trade in.

^The Interest Rate is a variable rate and will float with the Wall Street Journal Prime.

** Annual Percentage Rate

Closing costs on Home Equity Lines of Credit must be paid outside of settlement by the borrower. Closing costs on Installment Mortgages may be financed in the loan.

Customers who have their monthly loan payment automatically deducted from their Regal Bank & Trust account will receive a 25 basis point reduction.
Assumptions

For current Mortgage Rates, contact Judy Brown in Westminster at 410.549.8036 or Doug Bruchman in Owings Mills at 410.363.1772.

Rates, terms and conditions are subject to change at bank's sole discretion without notice.