*Consult your tax advisor regarding the deductibility of interest and potential tax savings.
**Annual Percentage Rate (APR). Prime minus .50% APR good for the life of the line. This is a variable rate that will adjust to the Prime Rate as published in the Wall Street
Journal on the last day of the month, currently at 4.00% as of 05/05/2022. If the Prime Rate changes, your interest rate, and payment will adjust accordingly. Maximum
interest rate is 24%. These rates are available to applicants with a minimum credit score of 725 and a maximum loan-to-value of 80%. Maximum debt-to-income ratio
of 45%. Floor rate is equal to initial rate at time of closing. Your rate may also be different depending upon your credit history. Maximum line amount is $500,000. Loan
term is ten years. Draws and payments can be made during the entire term of the loan. Lines over $250,000 may require title insurance. Any loans outside our current
markets of Ohio and Kentucky may incur additional fees, including but not limited to, mortgage recording fees and title fees, at the cost of the borrower. Minimum monthly
payment for a HELOC is 1% of the outstanding principal balance, but never less than $100 unless the outstanding principal balance is less than $100. Payment will fluctuate
month to month. A balloon payment may result. There is an annual fee of $50.00 that is waived the first year and is applicable every year thereafter. Property insurance
is required. Flood insurance may be required. 1-4 family owner occupied properties only. Property must not be currently listed for sale. Interest only HELOC products are
also eligible for this offer. For interest only HELOCs, the loan term is three years. Minimum monthly payment is the interest owed on the principal balance at the time it
bills each month, so it will fluctuate month to month. A credit advance of $10,000 at an annual percentage rate of 3.50% would take 3 years to pay off, with no other
credit advances made during that period. During that period, you would make 35 monthly payments ranging from $26.85 to $29.72 and one final balloon payment of
$10,029.72. This offer is valid for new equity lines only. Subject to credit approval and appraisal. Consult a tax advisor about the deductibility of interest. Other rates and
terms available. Offer ends 06/30/2022.