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1Initial Annual Percentage Rate (APR) will be 0.99% fixed for the first 12 months and will adjust to a variable rate thereafter. The variable rate will be equal to the Wall Street Journal National Prime Rate (currently 4.75% subject to change monthly), minus a margin of 0.25%. Annual Percentage Rates include only interest and no other costs. Maximum APR will not exceed 18% and minimum APR is 4.00%. Available on 1-4 family owner occupied primary residence and vacation homes. Line amount may not exceed 80% of the value of the property. Property insurance is required; flood insurance may be required if applicable. Title insurance may be required for lines greater than $100,000.00. Advertised APR is available to borrowers meeting specific underwriting criteria including a minimum credit score of 720 and a minimum line of credit of $10,000.00 in new money. Additional rates and terms are available. Third party fees to open a line of credit range from $850-$1285 depending on property location. There is an annual recurring fee of $50.00 (due each year during draw period).

2Loans feature a 10-year draw period followed by a 15-year repayment period. All loans are subject to credit approval. Additional rates and terms are available. Loan terms are accurate as of 5/2/18 and are subject to change without notice. Consult a tax advisor regarding the deductibility of interest. NMLS #410367. Member FDIC. Equal Housing Lender.