*3.75% APR Introductory Annual Percentage Rate (APR) for six months for Owner Occupied new accounts only. Offer available for new applications submitted between March 18, 2019 and April 27, 2019 and funded by May 31, 2019. This offer is for line amounts of $25,000 to $1,000,000. Automatic payment from an Exchange Bank checking account is required for this introductory rate. The 6-month introductory period begins on the date of the loan account opening. After the introductory period ends, 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, if you sign up with automatic payment with an Exchange Bank checking account. As of February 28, 2019, the non-introductory rate APR ranged from 6.00% to 8.00%. The APR will never exceed 18.00%. The $75 annual fee will be charged on the first anniversary date of the 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 are needed. lf the line of credit is closed before the third anniversary of the line of credit opening date, there will be an early exit fee ranging from $500 to $5,000. The early exit fee will be determined based on the time the account was open and the commitment amount of the line.