*Based on a credit score of 720 and above and subject to Wayne Bank’s credit policy. Annual Percentage Rate (AP R) shown is accurate as of 12/2/2022 and is subject to change. Minimum loan amount is $10,000. Advertised rate assumes loan to value ratio is no higher than 80% and that payment is by auto draft from a Wayne Bank checking account. Title insurance may be required. Limited to PA and NY properties only. Other fees and restrictions may apply. **Monthly payment for 5-year (60 month) draw period is based on principal balance, after which it will convert to fixed for 10-year (120 month) repayment period. During the repayment period, a 7.49%, 120 month home equity line of credit costs $11.87 per month, per $1,000 borrowed. Ask for details. NMLS #462082.