The Only Home Equity Line You'll Ever Need! ESSA-LOC APR I for 12 Months Rate as Low as 25.% 5.25%F APR After 12-Month Intro Period Limited-time ESSA-LOC offer available from August 26 to October 31, 2019. Nail down a great introductory rate with the new ESSA-LOC Home Equity Line of Credit. ESSA ESSA-LOC has a Fixed Rate Bank & Trust Advance Option that allows you to convert all or a portion of your account balance to a fixed rate and term. Call 800-439-0715 or visit essabank.com/ESSALOC to get started! This cffer is avalable for now Home Equity Lines of Credit IHELOCL AL loans are subject to credit and collateral approval The introductory APR of 2.99% will apply to the first (121 billing cycles aher your Home Equity Line of Credit is opened, after which the APR will be a variable rate based onthe Wall Street Prime Rate as published the last business day of the month (APR525 % as of /12/191 This is our standard APR your approved APR may wary based on credit qualifcation and appraisal requiements Maximum interest rate is 18.00%, with a floor of &00% after the t2-manth introductory period. Existing ESSA HELOC austomers require a new line cf credt with a minmum S25,000 increase and may not have had a descounted introductory HELOCAPR within the last 24 months from ESSA in order to qualiy for this introductory APR promotion This account includes a Fiaed Rate Adance option The foed rate is determined at the time each Faed Rabe Advance is established based on a separate rate schedule. A $75 rate lock fee applies when each adance is established. This fee is waved when a Foxed Rate Advance is established at closing. Line must be secured by an owner-ocoupied 1- to 2-family delling, not currently listed for sale, maximum LTV of 80% Minimum ine amoust is $10,000 and maximum line amount is $500,000 Line can be drawn on for a 10-year period with the required minimum monthly payment, the greater of, $100or montly interest Ater the 10-year drew any outstanding lean balance is amortized over 240 months with the variable APR. Annual fee is S25 aived for the first yearl Approved borrower is responsible for mortgage recording fees at account opening which range from $73 to S200 and are baced on eollateral location Property insurance and lood inurance, dapplcable. are required. This is a variable rate whichmay increase. This ofler is accurate as of 8/25/19 and may be discontinued at any tmewithout nobce. 0ther rates and terms are available Member FDIC ww. The Only Home Equity Line You'll Ever Need! ESSA-LOC APR I for 12 Months Rate as Low as 25.% 5.25%F APR After 12-Month Intro Period Limited-time ESSA-LOC offer available from August 26 to October 31, 2019. Nail down a great introductory rate with the new ESSA-LOC Home Equity Line of Credit. ESSA ESSA-LOC has a Fixed Rate Bank & Trust Advance Option that allows you to convert all or a portion of your account balance to a fixed rate and term. Call 800-439-0715 or visit essabank.com/ESSALOC to get started! This cffer is avalable for now Home Equity Lines of Credit IHELOCL AL loans are subject to credit and collateral approval The introductory APR of 2.99% will apply to the first (121 billing cycles aher your Home Equity Line of Credit is opened, after which the APR will be a variable rate based onthe Wall Street Prime Rate as published the last business day of the month (APR525 % as of /12/191 This is our standard APR your approved APR may wary based on credit qualifcation and appraisal requiements Maximum interest rate is 18.00%, with a floor of &00% after the t2-manth introductory period. Existing ESSA HELOC austomers require a new line cf credt with a minmum S25,000 increase and may not have had a descounted introductory HELOCAPR within the last 24 months from ESSA in order to qualiy for this introductory APR promotion This account includes a Fiaed Rate Adance option The foed rate is determined at the time each Faed Rabe Advance is established based on a separate rate schedule. A $75 rate lock fee applies when each adance is established. This fee is waved when a Foxed Rate Advance is established at closing. Line must be secured by an owner-ocoupied 1- to 2-family delling, not currently listed for sale, maximum LTV of 80% Minimum ine amoust is $10,000 and maximum line amount is $500,000 Line can be drawn on for a 10-year period with the required minimum monthly payment, the greater of, $100or montly interest Ater the 10-year drew any outstanding lean balance is amortized over 240 months with the variable APR. Annual fee is S25 aived for the first yearl Approved borrower is responsible for mortgage recording fees at account opening which range from $73 to S200 and are baced on eollateral location Property insurance and lood inurance, dapplcable. are required. This is a variable rate whichmay increase. This ofler is accurate as of 8/25/19 and may be discontinued at any tmewithout nobce. 0ther rates and terms are available Member FDIC ww.