TOTAL& time tbing orvisi to fe LINE OF CREDIT Take whatever you've been dreaming of make it a reality. From home improvements to vacations or financing college tuition, a total line of credit can make it possible. 1.24 PR 5.24PR 0 Introductory rate for 3 months nual percentage rate Upto $ appraisal waiver Visit stbank.com or call the Solution Center at 800.325.2265 to learn more. S&Bank 1.24% Annual Percentage Rate AR, ntroductory total line of credit rate wl be in effect for 3 months and is effective as ef 3 25.19. After the 3 month introductory period, the APR wil be a variable rate based on Wall Street Journal Piner tel5.50% as of 3.13.19) plus or minus a margin that may be based on your credit quaif cations, the amount of your credit line, loan-to-value, and whether you select automatic payments from an S3T Bank checking account, with a maximum of 18.00%. A processing fee of $75 applies. Appasal may be required for bank purposes and typically range from 385-$550. The bank shall choose the appraisal type for the loan. Appraisal fee wil be walved up to $425. If the appraisal exceeds $425, the applicant pays the diffierence. Minimum line amount of $10,000(S25,000 for interest-only). If refinancing. a minimum of $20,000 n new money must be borrowed to avoid the.50% refinance fee.Anearly termination fee of $350 applies if your credit line closes within 36 months. An annual fee of $50 will be charged to your line of credit. Title insurance required on ines of $750,000 and greater. Owner-occupied properties only. Property insurance is required. Other rates and terms are availabie. Consult your tax advisor regarding the deductibility of interest. Subject to credit approval Offer subject to change or withdrawal without notice MEMBERFDIC