Equal Housing Lender. Member FDIC. Member of the Fulton Financial Family. The product is a variable rate line of credit secured by the primary residence and not exceeding an 80% loan to value ratio. The account includes a fixed rate option. Current fixed rate Annual Percentage Rates range from 6.74% APR to 10.99% APR depending on credit qualifications, payment option, loan term selected. This rate may vary, but once established as a new Fixed Rate Advance, will not vary thereafter. A $100 rate lock fee applies each time you establish a Fixed Rate Advance. The fee is waived if rate is locked at closing. Closing costs for lines of credit up to $250,000 typically range from approximately $290 to $3500 depending on line amount, appraisal requirements and property location. Any closing costs initially paid by the bank on the customer’s behalf, must be paid by the customer if the account is closed within 3 years, the interest paid within the initial 3 years does not equal or exceed the closing costs paid on the customer’s behalf, or the account is not paid as agreed or is suspended, terminated or accelerated within the initial 3 year period. Prince George’s County transfer taxes are not eligible for closing cost deferral and are the responsibility of the borrower. Property insurance is required. Rate and terms subject to change and may be withdrawn without notice. Subject to credit approval.

*The advertised 2.99% APR (Annual Percentage Rate) applies to new lines of credit of $5,000 or more and an automatic deduction of payment from a deposit account at The Columbia Bank. A $5,000 draw is required at closing. Applications must be received by August 31, 2010. When the line is opened, customers with a credit score of 710 or better will receive 2.99% APR for 6 months from the opening date. For customers having a credit score of less than 710, APRs are variable and may range from 4.00% (WSJP plus .75%) to 6.50% (WSJP plus 3.25%), depending on credit qualifications and payment option selected.

**After the expiration of the 6-month promotional rate period, the APR will be based on the Wall Street Journal Prime (WSJP) as published daily plus a margin or minimum APR of 3.99%, whichever is greater. Depending on credit qualifications and payment option selected, APRs may range from 3.99% (Minimum) to 6.50% (WSJP plus 3.25). The maximum APR is 18.00%.