*APR - Annual Percentage Rate. Offer is valid for personal loans with a maximum term of 60 months. The 4.5% APR is derived by discounting the open rate of 6.0% APR, with a 1.00% special discount, .25% discount for Automatic payroll deduction and .25% discount for applying online. APR is based on a 12 month term with monthly payments of $213.56 for a $2,500 loan. Other rates and terms are available. Subject to credit approval. Refinances of existing HFS loans do not qualify for this offer. Hurry, offer expires March 31, 2010.