# Surcharge-Free ATMs

### Access a network of surcharge-free ATMs around your business destinations.

**Access a network of surcharge-free ATMs around your business destinations. **

In addition to providing unlimited free ATM transactions at our Bank-owned ATM machines, Evergreen Bank Group participates in the STARsf program, which allows you to make ATM withdrawals surcharge-free at certain ATM locations.

- Summary
Please visit www.star.com to find a participating ATM near you.

- Terms
All accounts subject to credit approval. Other terms and conditions may apply. For more information, please contact an Executive Banker at your local branch.

80% Combined Loan to Value Program - Single Family Program Combined Loan to Value: up to 80% Maximum Loan Amount $200,000 | ||
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Amount | Interest Rate (Prime 4.75%) | APR* / Rate Floor 4.25% |

$150,000 to $200,000 | Prime +.00 to Prime + 1.00 | 4.75% to 5.75% |

$100,000 to $149,999 | Prime + .50 to Prime + 1.25 | 5.25% to 6.00% |

$50,000 to $99,999 | Prime + .75 to Prime + 1.50 | 5.50% to 6.25% |

Up to $49,999 | Prime + 1.00 to Prime + 1.75 | 5.75% to 6.50% |

80% Combined Loan to Value Program - Condominium Program Combined Loan to Value: up to 80% Maximum Loan Amount $150,000 | ||
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Amount | Interest Rate (Prime 4.75%) | APR* / Rate Floor 4.25% |

$100,000 to $150,000 | Prime + .75 to Prime + 1.50 | 5.50% to 6.25% |

$50,000 to $99,999 | Prime + 1.00 to Prime + 1.75 | 5.75% to 6.50% |

Up to $49,999 | Prime + 1.25 to Prime + 2.00 | 6.00% to 6.75% |

85% Combined Loan to Value Program - Single Family Program Combined Loan to Value: 80.01% - 85% Maximum Loan Amount $125,000 | ||
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Amount | Interest Rate (Prime 4.75%) | APR* / Rate Floor 4.95% |

$75,000 to $125,000 | Prime + 1.00 to Prime + 1.75 | 5.75% to 6.50% |

$25,000 to $74,999 | Prime + 1.25 to Prime + 2.00 | 6.00% to 6.75% |

Up to $24,999 | Prime + 1.50 to Prime + 2.25 | 6.25% to 7.00% |

85% Combined Loan to Value Program - Condominium Program Combined Loan to Value: 80.01% - 85% Maximum Loan Amount $100,000 | ||
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Amount | Interest Rate (Prime 4.75%) | APR* / Rate Floor 4.95% |

$50,000 to $100,000 | Prime + 1.25 to Prime + 2.00 | 6.00% to 6.75% |

$25,000 to $49,999 | Prime + 1.50 to Prime + 2.25 | 6.25% to 7.00% |

Up to $24,999 | Prime + 1.75 to Prime + 2.50 | 6.50% to 7.25% |

90% Combined Loan to Value Program - Single Family Program Combined Loan to Value: 85.01% to 90% Maximum Loan Amount $75,000 | ||
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Amount | Interest Rate (Prime 4.75%) | APR* / Rate Floor 4.95% |

$50,000 to $75,000 | Prime + 1.25 to Prime + 2.00 | 6.00% to 6.75% |

$25,000 to $49,999 | Prime + 1.50 to Prime + 2.25 | 6.25% to 7.00% |

Up to $24,999 | Prime + 1.75 to Prime + 2.50 | 6.50% to 7.25% |

90% Combined Loan to Value Program - Condominium Program Combined Loan to Value: 85.01% to 90% Maximum Loan Amount $75,000 | ||
---|---|---|

Amount | Interest Rate (Prime 4.75%) | APR* / Rate Floor 4.95% |

$50,000 to $75,000 | Prime + 1.50 to Prime + 2.25 | 6.25% to 7.00% |

$25,000 to $49,999 | Prime + 1.75 to Prime + 2.50 | 6.50% to 7.25% |

Up to $24,999 | Prime + 2.00 to Prime + 2.75 | 6.75% to 7.50% |

Payment Examples:

*APR (Annual Percentage Rate) based on your loan-to-value (LTV), your approved line amount, and credit criteria, and will range from a variable APR of Prime to Prime+2.75, subject to change with Prime. As of today, the Prime Rate is 4.75%. The "floor" ranges from 4.25% to 4.95%, and the "ceiling" is 19.90%. No discount rate programs or promotions apply. Rates are variable and may increase after consummation. The floor rate is the minimum rate you may be charged on the line of credit. Your rate may never go below the floor rate, regardless of the Index + margin rate.

**80% Combined Loan to Value Program**

If you had an outstanding balance of $10,000, during the draw period the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01, during the repayment period on a balance of $10,000 the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $192.58. Annual Percentage Rate varies based on a maximum loan to value 80%, owner-occupied properties, depending upon your commitment amount and credit qualifications.

**85% Combined Loan to Value Program**

If you had an outstanding balance of $10,000, during the draw period the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01, during the repayment period on a balance of $10,000 the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $192.58. Annual Percentage Rate varies based on a maximum loan to value 85%, owner-occupied properties, depending upon your commitment amount and credit qualifications.

**90% Combined Loan to Value Program**

If you had an outstanding balance of $10,000, during the draw period the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01, during the repayment period on a balance of $10,000 the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $192.58. Annual Percentage Rate varies based on a maximum loan to value 90%, owner-occupied properties, depending upon your commitment amount and credit qualifications.

### 10-Year Fixed Rate Loan / 30-Year Amortization / Balloon Payment after 10 Years

80% Combined Loan to Value Program – Single Family Program Combined Loan to Value: up to 80% Maximum Loan Amount $200,000 | ||
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Amount | Interest Rate | APR* |

Up to $200,000 | 5.99% to 6.79% | 6.42% to 7.23% |

80% Combined Loan to Value Program - Condominium Program Combined Loan to Value: up to 80% Maximum Loan Amount $150,000 | ||
---|---|---|

Amount | Interest Rate | APR* |

Up to $150,000 | 6.29% to 6.99% | 6.72% to 7.43% |

85% Combined Loan to Value Program – Single Family Program Combined Loan to Value: 80.01% - 85% Maximum Loan Amount $125,000 | ||
---|---|---|

Amount | Interest Rate | APR* |

Up to $125,000 | 6.29% to 6.89% | 6.72% to 7.33% |

85% Combined Loan to Value Program – Condominium Program Combined Loan to Value: 80.01% - 85% Maximum Loan Amount $100,000 | ||
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Amount | Interest Rate | APR* |

Up to $100,000 | 6.59% to 6.99% | 7.03% to 7.43% |

90% Combined Loan to Value Program - Single Family Program Combined Loan to Value: 85.01% to 90% Maximum Loan Amount $75,000 | ||
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Amount | Interest Rate | APR* |

Up to $75,000 | 6.49% to 7.19% | 6.93% to 7.64% |

90% Combined Loan to Value Program - Condominium Program
| ||
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Amount | Interest Rate | APR* |

Up to $75,000 | 6.79% to 7.19% | 7.23% to 7.64% |

80% Combined Loan to Value Program Payment Examples

*APR = Annual Percentage Rate. Credit and other restrictions may apply.

Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $59.90 at 6.42% APR (5.99% Interest Rate) for 119 months, with a final balloon payment of $8,426.95. Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $65.14 at 7.23% APR (6.79% Interest Rate) for 119 months, with a final balloon payment of $8,603.51.

Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $61.85 at 6.72% APR (6.29% Interest Rate) for 119 months, with a final balloon payment of $8,493.71.Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $66.48 at 7.43% APR (6.99% Interest Rate) for 119 months, with a final balloon payment of $8,645.33.

85% Combined Loan to Value Program Payment Examples

*APR = Annual Percentage Rate. Credit and other restrictions may apply.

Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $61.85 at 6.72% APR (6.29% Interest Rate) for 119 months, with a final balloon payment of $8,493.71. Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $65.81 at 7.33% APR (6.89% Interest Rate) for 119 months, with a final balloon payment of $8,624.26.

Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $63.81 at 7.03% APR (6.59% Interest Rate) for 119 months, with a final balloon payment of $8,561.13. Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $66.48 at 7.43% APR (6.99% Interest Rate) for 119 months, with a final balloon payment of $8,645.33.

90% Combined Loan to Value Program Payment Examples

*APR = Annual Percentage Rate. Credit and other restrictions may apply.

Payment example: Fixed Rate Loans Representative monthly payment example per $10,000 is $63.15 at 6.93% APR (6.49% Interest Rate) for 119 months, with a final balloon payment of $8,539.54. Payment example: Fixed Rate Loans Representative monthly payment example per $10,000 is $67.83 at 7.64% APR (7.19% Interest Rate) for 119 months, with a final balloon payment of $8,686.22.

Payment example: Fixed Rate Loans Representative monthly payment example per $10,000 is $65.14 at 7.23% APR (6.79% Interest Rate) for 119 months, with a final balloon payment of $8,603.51. Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $67.83 at 7.64% APR (7.19% Interest Rate) for 119 months, with a final balloon payment of $8,686.22.