*The Preferred CreditLine is subject to borrower qualification and underwriting guidelines.  The APR (annual percentage rate) is fixed.  An APR of 18.00% is for non Kalo Deluxe and non Kalo Plus checking account holders, and is the APR that will apply should you no longer maintain an open Kalo Deluxe or Kalo Plus checking account.  A discounted APR of 17.75% is for Kalo Deluxe checking account holders, and a discounted APR of 17.90% is for Kalo Plus checking account holders. Please refer to the current Loan Rate sheet or call us for current rates.