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	Personal Lines of Credit & Loans


	Flexibility and Control Now is a great time to get the money you need.


	Get some of our best rates on unsecured personal lines of credit and loans—and have greater financial flexibility and control over your borrowing needs. Sovereign's personal lines and loans can be used for personal needs such as vacations, educational expenses, bill consolidation, home improvement, medical expenses, major purchases or whatever you like.

	Personal Line of Credit	Personal Loan
	Apply Now	Apply Now
Type	Revolving line of credit	Installment loan with fixed term
APR	Variable interest rate 8.49% APR with ePay*	Fixed interest rate† 10.49% APR with ePay*
Annual Fee	$50*	none*
Monthly Payment	Interest only or Principal and Interest	Fixed monthly payment†
Access to Funds	As needed, by check or online transfer	One-time, lump sum
Loan Amounts	Min: $5,000 Max: $25,000	Min: $5,000 Max: $25,000
ePay Discounts	0.25%†	0.25%†
Additional Benefits	No balance transfer or cash advance fees Convenient access to funds Online Banking access	No closing fees Multi-purpose Term up to 60 months
	Apply Now	Apply Now


	Interested in overdraft protection? With Sovereign Easy Access Line of Credit you can feel confident that your checks, debits, and payments will be honored.

*	To get a Personal Line of Credit or a Personal Loan with the APR shown above, you must have a credit score of 770 or above, reside in MA, RI, CT, NH, NJ, PA, DE, ME, VT or DC, have or open a Sovereign checking or money market savings account, and use automatic payment from the qualifying account (ePay). APRs on Personal Lines of Credit may vary monthly based on the latest U.S. Prime Rate as published in The Wall Street Journal as of the first business day of the month, plus a margin of 5.24% (now 8.49% APR with ePay). Maximum APR is 18%. Minimum APR is 7.49%. An annual fee of $50 will be charged during the 5-Year Draw Period if you do not have and maintain a Sovereign Premier, Business Owner Premier, Premier Partnership, Team Member Private or Team Member Checking Account or Premier Money Market Savings Account. An annual fee of $25 will be charged if you have and maintain a Sovereign Preferred or Preferred Partnership Checking Account or Preferred Money Market Savings Account. Personal Line of Credit account use is subject to the terms of the Personal Line of Credit Agreement, including terms that permit lines to be suspended, reduced or terminated in certain circumstances. Payment example on a Personal Loan of $10,000 at 10.49% APR for 60 months is $214.89. The minimum line/loan amount is $5,000 and maximum amount is $25,000. The interest rate on your Personal Line of Credit or Personal Loan will increase by 0.25% if automatic payment from the qualifying account is discontinued. APRs and other terms accurate as of 2/5/11 and may change thereafter. Applications subject to approval. Personal Lines of Credit and Personal Loans available to customers with lower credit scores. Contact us for information about rates and other terms.

†	The interest rate and montly payment amount will increase if automatic payment from a qualifying Sovereign checking or money market savings account (ePay) is discontinued. The interest rate will increase 0.25%.


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	Next Steps

			Call 877.SOV.BANK (768-2265) to speak with a Personal Banking Representative

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