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January 16, 2015     Post-Gazette
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January 16, 2015

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P@ST-GAZEI-rE, JANUARY 16, 2015 Page 9 In spite of frigid, 24 degree temperatures on January 1, 2015, over 600 brave partici- pants took the 112 m Annual Polar Bear Plunge into Dorchester Bay in South Boston. This annual swim is dedi- cated to past and recently deceased L Street Brownies. Although members of the Brownies are not limited just to New Year's Day. Monies raised from the swim and T-shirt sales are donated to the South Boston Sports Hall of Fame Scholar- ship Fund and also helps support the South Boston Youth Hockey Program. The L Street Brownies Swim Club began their plunge in 1904 and is be- lieved to be the second old- est in the nation behind the Coney Island Polar Bear Plunge in New York, which was first recorded in 1903. Plunges are now held across the United States, with annual events held in Seattle (since 1993), Ever- green, Colorado, New York's Polar Bear Plunge 2015 Coney Island, Lake George, NY, Boston, Milwaukee's Bradford Beach (since 1916), New Hampshire, and New Jersey. Some, such as Min- nesota's, are held to raise proceeds for the Special Olympics. Geisel School of Medicine at Dartmouth College also organizes an annual *Polar Plunge for Health Equity" into Occom Pond. The Plungapalooza event in Maryland, the largest Polar Bear Plunge in the United States, held annually at Sandy Point State Park, raises funds for the Special Olympics. Sponsored by the Maryland State Police, in 2007, Plungapalooza raised $2.2 million and had 7,400 participants. In 2008, an estimated 12,000 people participated. Every Super Bowl Sunday, Long Beach, NY hosts one of the largest in the US. Since 1998 thousands of people have flocked to the beaches of Long Beach to jump into the ocean. (Photos by Rosario Scabin, Ross Photography) Annual Percentage Rate is Wall Street Journal Prime Rate minus 1/2Yo for the life of the loan, with a floor Annual Percentage Rate of 4.OO. 1 AGLEBANK I 800-BANK,EAGLE 1 Rates/offer subject to change without notice. This is a variable-rate product based on the prime rate as published in the Wall Street Journal. If the Wall Street Journal publishes more than one Prime Rate, the Bank will use the highest published rate. The product consists of interest only payments for the first ten years of the line while you obtain advances available on your line. Your minimum monthly payment during this period will equal the greater of $50.00 or all accrued finance charges and other fees and charges. After the 10 /ears, your minimum monthly payment will increase for the next 60 months and will equal 1/60th of the outstanding prindpal balance at the end of the ten years plus the finance charges and other fees and charges that have accrued onthe maining balance. Your interest rate and monthly payment amount will vary as the Prime Rate varies. The annual percentage rate of this product for the life of the loan is based on the value of an index (the Wall Street Journal Prime Rate which equals 3.25% as of 1/13114 ) less a margin of lh% but the annual percentage rate cannot be less than the Annual Percentage Rate floor of 4.00%. The maximum annual percentage rate is 18.00% and the minimum annual percentage rate is 4.00%. Loan requires automatic draft of monthly payment from an Eagle Bank checking or NOW account. Wall Street Journal Prime Rate subject to change at any time. Property insurance is required and flood insurance may be required. Closing costs* range from a minimum of $0 to $1,600. Lines offering no normal dosing costs* (lines with initial advances over $25,000) are subject to a $600 prepayment penalty if the account is dosed within 24 months after it is opened. Annual fee of $50. $50 annual fee waived for Signature Banking customers. Eligible for lines between $25,000 and $250,000 secured by the borrower's 1-4 family owner occupied dwelling in Eastern Massachusetts and Southern New Hampshire. Restrictions apply for minimum credit score, maximum loan-to-value, and other credit underwriting factors. Subject to credit approval. Consult tax advisor regarding the deductibility of interest. Other rates and terms available. *Normal closing costs include credit report, escrow/title company fees, title search and associated title policy, life of loan flood certificate, title verification, and equity mortgage recording fee and priority mail. Customer must pay an appraisal fee. NMLS # 440604 Member FDICJ Member DIF