*APR = Annual Percentage Rate. Minimum line of $10,000 required. Minimum additional borrowing of $10,000 for current HELOC accountholders required. The APR will be 4.50% for the first six (6) billing cycles from the closing date of the line. After six billing cycles, 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 May 18, 2026, the APR after six months would be 6.75%. 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 August 31, 2026. Consult your tax adviser for information regarding the potential deductibility of interest and fees.