Marketable Securities- Based Line of Credit Disclosures
All loans subject to credit approval
APR
Effective as of 9/1/2026 the Annual Percentage Rate (APR) for the Marketable Securities- Based Line of Credit (SBLOC) will adjust based on the Wall Street Journal Introductory Prime Rate, currently at 6.75% as of 12/11/2025. The Marketable Securities- Based Line of Credit shall have an interest rate floor equal to 4.00% APR and an interest rate ceiling of 16.00% APR. The rate of interest shall change as the Prime Rate changes. The Prime Rate is not necessarily the lowest rate of interest charged by the bank to its most favored borrowers. The rate and APR displayed are subject to change at any time. Your rate cannot be determined until you have applied for and been approved for a loan.
A Consumer Loan Specialist will review and provide you with the terms, conditions, disclosures, and additional details that applies to your specific situation.
LOAN AMOUNT:
Minimum Loan Amount: $1,000
Maximum Loan Amount: Loan to Value based upon pledged collateral maintained within your Walden Investment Services Account
| Asset Type | Maximum Advance |
| US Treasuries | Up to 90% |
| Fixed Annuity | Up to 90% |
| US Agency Securities | Up to 85% |
| Investment Grade Corporate Bonds | Up to 75% |
| Exchange- Traded Equities | Up to 70% |
| Mutual Funds/ EFT (non- leveraged) | Up to 70% |
TERMS AVAILABLE:
This is an open line of credit – there is no draw period. Minimum payments due will be interest only
GEOGRAPHY:
Personal Loan applications may be taken for borrowers residing within the New York State counties of Orange, Ulster, Sullivan and Dutchess.
ELIGIBLE BORROWERS:
Walden Savings Bank will provide financing to natural persons with the legal capacity to enter into a binding contract, but in all instances, each individual signing the note must be fully underwritten and be 18 years of age or older.
Walden Investment Services is a marketing name of Cetera Investment Services. Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Located at 15 Scott's Corners Drive, Montgomery, NY 12549.
Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.
