## Home Equity Line of Credit (HELOC) Rates

### As of November 18, 2018

### The Home Equity Line of Credit rates listed below are for Owner Occupied and Non-Owner Occupied One to Four Family Homes.

Not all rates are posted. Please contact our mortgage professionals for additional information.

### Fixed-Rate Home Equity Line of Credit

### Variable-Rate Home Equity Line of Credit

Fixed-Rate & Variable-Rate HELOC:

- The annual percentage rate (APR) includes only interest and not other costs.
- Borrower is responsible for all closing costs, except as otherwise required by federal or state law, rule or regulation.
- HELOC must be secured by a first or second lien.

Variable-Rate HELOC:

- The Initial Rate will be in effect for the first billing cycle. Thereafter, the rate will change monthly based upon the Index and Margin.
- The Index is the Prime Rate as published by The Wall Street Journal. The Prime Rate may change at any time without notice.
- The Minimum Rate during the life of the loan will be the Initial Rate.
- The Maximum Rate during the life of the loan will be the Initial Rate + 6.250%.

## Jumbo Home Equity Line of Credit (Jumbo HELOC) Rates

### The Jumbo Home Equity Line of Credit rates listed below are for Owner Occupied and Non-Owner Occupied One to Four Family Homes.

### Fixed-Rate Jumbo HELOC

### Variable-Rate Jumbo HELOC

Fixed-Rate & Variable-Rate Jumbo HELOC:

- The annual percentage rate (APR) includes only interest and not other costs.
- Borrower is responsible for all closing costs, except as otherwise required by federal or state law, rule or regulation.
- Jumbo HELOC must be secured by a first lien.

Variable-Rate Jumbo HELOC:

- The Initial Rate will be in effect for the first billing cycle. Thereafter, the rate will change monthly based upon the Index and Margin.
- The Index is the Prime Rate as published in The Wall Street Journal. The Prime Rate may change at any time without notice.
- The Minimum Rate during the life of the loan will be the Initial Rate.
- The Maximum Rate for the life of the loan will be the Initial Rate + 6.250%

*Home Equity Lines of Credit (“HELOC”):*

All loan products are subject to credit and property approval. All mortgage loans are originated by Cross County Savings Bank. This Rate Sheet does not represent any offer to enter into a loan agreement.

Fees and prepayment charges may apply depending on the loan product you select. Fees are subject to change.

Refinancing to pay off existing debt may extend the term of the debt, possibly resulting in higher overall costs and increasing the total amount paid.

Other terms, conditions and restrictions may apply. Please contact our mortgage professionals to inquire about all of the conditions that apply to the loan product that you are interesting in.

The annual percentage rate (APR) is the annual rate charged for borrowing, and is expressed as a percentage that represents the actual yearly cost of funds over the term of a loan.

The APR will not exceed 6.25% above the Initial Rate or go below the Initial Rate.

HELOC loans secured by a one to four family property are subject to a maximum 70% combined loan-to-value (“CLTV”).

Cross County Savings Bank offers HELOC terms of 10, 15, or 20 years, each with a 5 year draw period.

Certain property types are not eligible as collateral.

Property insurance is always required. Flood insurance may be required, when necessary.

The minimum monthly payment will be variable and in an amount sufficient to repay the outstanding balance in principal and interest payments over the remaining term at the applicable APR.

The maximum line amount is $208,500.00 for a HELOC loan and $500,000.00 for a JUMBO HELOC loan.

LTV is a number that describes the amount of a loan as a percentage of the value of the property securing the loan.

PLEASE NOTE THAT ALL RATES ARE SUBJECT TO CHANGE AT ANY TIME.

All loan products are subject to credit and property approval. All mortgage loans are originated by Cross County Savings Bank. This Rate Sheet does not represent any offer to enter into a loan agreement.

Fees and prepayment charges may apply depending on the loan product you select. Fees are subject to change.

Refinancing to pay off existing debt may extend the term of the debt, possibly resulting in higher overall costs and increasing the total amount paid.

Other terms, conditions and restrictions may apply. Please contact our mortgage professionals to inquire about all of the conditions that apply to the loan product that you are interesting in.

The annual percentage rate (APR) is the annual rate charged for borrowing, and is expressed as a percentage that represents the actual yearly cost of funds over the term of a loan.

The APR will not exceed 6.25% above the Initial Rate or go below the Initial Rate.

HELOC loans secured by a one to four family property are subject to a maximum 70% combined loan-to-value (“CLTV”).

Cross County Savings Bank offers HELOC terms of 10, 15, or 20 years, each with a 5 year draw period.

Certain property types are not eligible as collateral.

Property insurance is always required. Flood insurance may be required, when necessary.

The minimum monthly payment will be variable and in an amount sufficient to repay the outstanding balance in principal and interest payments over the remaining term at the applicable APR.

The maximum line amount is $208,500.00 for a HELOC loan and $500,000.00 for a JUMBO HELOC loan.

LTV is a number that describes the amount of a loan as a percentage of the value of the property securing the loan.

PLEASE NOTE THAT ALL RATES ARE SUBJECT TO CHANGE AT ANY TIME.