*2.99% Introductory Annual Percentage Rate (APR) for twelve months for Owner Occupied new accounts only. This offer is for line amounts of $100,000 to $500,000; contact us for information regarding lines of credit under $100,000. Automatic payments from an Exchange Bank deposit account are required otherwise APR is 3.49%. To receive the 2.99% rate, applications must be submitted by October 31, 2016. After the introductory period, the APR is variable and subject to change monthly based on the Prime Rate published in the Wall Street Journal plus a margin that ranges from 0.50% to 2.50%; margin is based on the amount of your line of credit. As of September 20, 2016, the non-introductory APR ranged from 4.00% APR to 6.00% APR with automatic payments. The APR will never exceed 18.00%. The $75 annual fee will be charged on the first anniversary date of account opening. Property insurance is required and flood insurance may be required. This offer is subject to credit approval. Borrower may have to pay certain fees to third parties such as title companies, appraisers, and government agencies, including when a sub-escrow is required to pay off an existing lender, or if vesting corrections must be made. These fees may range from $0.00 to $4,435. Exchange Bank will pay up to $400 in closing fees. Borrower may be subject to an early closing fee of $750.00-$1500.00 if the account is closed within 35 months of the account opening date. Other restrictions may apply. Please contact Exchange Bank for further details, 707.524.3000.