1. Home Equity Line of Credit. The Annual Percentage Rates (APRs) are accurate as of 11/12/24. The total term of the Home Equity Line of Credit (HELOC) is 240 months. During the first 10 years, the “Draw Period”, the APR is a variable rate based on an index of the highest Prime Rate reported in the Money Rates section of the Wall Street Journal (the “WSJ Prime”), plus a margin based on the amount of the line. On 11/12/24, the WSJ Prime Rate was 7.75% resulting in the following APRs: $10,000.00 - $99,999.99: 8.75% (Prime + 1.00%), $100,000.00 - $499,999.99: 8.25% (Prime + .50%), $500,000.00+: 8.00% (Prime + .25% or floor rate, whichever is greater). The APR may vary based on the use of auto-debit. Auto-debit discount will not apply when APR is at floor rate or during “Repayment Period.” The minimum APR is 3.99% (floor rate) and the maximum APR is 20.00%. Rates will change on the 1^st day of the statement cycle following a Prime Rate change. Interest only minimum payments required during the Draw Period. During the “Repayment Period”, the remaining 10 years, the APR is a variable rate based on the WSJ Prime + 1.00% and will be calculated 45 days prior to the initial maturity of the Draw Period, subsequent changes will occur on the 1^st day of the statement cycle following a Prime Rate change. The minimum APR is 3.99% (floor rate) and the maximum APR is 20.00%. During the Repayment Period, monthly principal and interest payments will be required to fully amortize the loan. There is an annual fee of $50, but it will be waived for the first year. Offer applies to lines secured by owner occupied, one-to four-family residences with a maximum of 80% Loan to Value (LTV). Offer is not available for purchase money loans. Property insurance required and flood insurance may be required. Consult a tax advisor regarding the deductibility of interest. An early termination fee of the lesser of 2% of the initial credit limit or $500.00 will be charged if account is closed within 24 months of the loan date. No early termination fee in Wisconsin. There may be certain third party fees for entities such as appraisers, credit reporting firms, title companies, and government agencies to open the account, which generally total between $0.00 and $2,500.00. Additional third party fees may apply to property located in any state that is not IL, IN, or WI, property held in a Land Trust, and/or and any purchase money transactions. These fees may be higher than $2,500.00. Pricing shown assumes borrower meets underwriting guidelines, otherwise a higher APR may apply or credit may not be available. See your loan officer for details.