From the new kitchen you’ve both dreamed about for years to college
tuition for your son or daughter, Sandy Spring Bank has an easy way
to turn promises into realities. Our home equity lines of credit feature
great rates, flexible terms and the ability to “lock in” a fixed rate and
term at any time. So now is the time to deliver on those promises and
enjoy the best moments of your life.
To learn more, stop by any of our 49 locations, visit us online at
sandyspringbank.com or call 800.399.5919. In a few minutes you’ll
experience a different kind of banking—banking the way it should be.
*Introductory rate of 2.75% APR applies to accounts signed up for automatic payment from a Sandy Spring Bank checking account. An initial draw of at least $20,000 is required to activate the
introductory rate. After the 12-month introductory period a Standard Rate applies. Standard Rates may vary and are based on changes in Prime, the highest rate published in The Wall Street
Journal’s “Money Rates” section on the first business day of every month. Currently standard rates range from 3.25% APR (Floor Rate) to 7.75% APR (Prime plus 4.50%) and are based upon credit
qualifications, loan-to-value ratio and approved credit limit. The featured Standard Rate is available to well qualified borrowers with an approved credit line of $125,000 or more, a loan-to-value
ratio of 70% or less, and having monthly payments automatically deducted from a Sandy Spring Bank checking account. Maximum APR is 24%. Subject to credit approval. Other rates
and terms are available. Closing costs are waived, except for Prince George’s County Transfer Tax, if applicable, as long as the line is open for at least three years. Closing costs range
between $540 and $820 for credit lines of $50,000. Adequate property insurance is required. Rates quoted are for 1-4 family, owner-occupied residences. ±Please consult your tax
advisor regarding tax deductibility. APR as of 8/01/13. Offer subject to change and cancellation without notice. Member FDIC.
THIS IS THE TIME
To transform that outdated kitchen
Into the one you always wanted
This is the Home Equity Line of Credit
LINE OF CREDIT
THE FIRST 12 MONTHS
THEN AS LOW AS
800.399.5919 • sandyspringbank.com
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