Harborstone Credit Union Home Equity Line of Credit Disclosure

NMLSR Company Identifier

This disclosure contains important information about our Home Equity Line of Credit. You should read it carefully and keep a copy for your records.

Availability of Terms: To obtain the terms described below, you must submit your application within 10 days of 12/12/2018. If these terms change (other than the annual percentage ratio) and you decide, as a result, not to enter into an argument with us, you are entitled to a refund of any fees that you have paid to us or anyone else in connection with your application.

Security Interest: We will take a security interest in your home. You could lose your home if you do not meet the obligations in your agreement with us.

Possible Actions: We can terminate your line and require you to pay us the entire outstanding compliance in one payment if:

You engage in fraud or material misrepresentation in connection with the line of credit.
You do not meet the repayment terms.
Your action or inaction adversely affects the collateral or our rights in the collateral