HELOC Special

*APR = Annual Percentage Rate.  Minimum line of $10,000 required.  The APR will be 4.99% for the first 12 months from the closing date of the line.  After 12 months, the APR will adjust to the highest Prime Rate published in the Wall Street Journal on the last business day of the prior month.  Assuming no change in the current Prime Rate as of September 18, 2025, the APR after 12 months would be 7.25%.  The lifetime cap for the line of credit is guaranteed not to exceed 16.00% APR, with a floor of 4.00% APR.  You will be required to reimburse the Bank certain fees paid to third parties if the line is terminated within three years of the opening date.  These can be as low as $1,068.29 for a $10,000 credit line or as high as $2,968.29 for a $200,000 credit line.  Collateral mortgage required to be filed.  Promotional period ends December 31, 2025.  Consult your tax adviser for more information regarding the potential deductibility of interest and fees.