¥The "Preferred Rate" means the discounted rate given to borrowers with automatic payment withdrawal from a Beneficial checking account, as applicable (a discount of 0.25% for Home Equity Loans or 0.50% for HELOCs). Removal of automatic payment withdrawal will result in the loss of such discount and increase the rate by 0.25% for Home Equity Loans or 0.50% for HELOCs. *All loan products subject to credit approval. ßFee refunds are only provided for Start Earning and Start Rewarding checking account ATM transactions. ATM fees on accounts linked to your Package checking account will not be refunded.