# Business Savings

Build your wealth, without needing a fortune to get started.

- Summary
- Free eStatements
- Free Online Banking
- Only $500 to open

- Interest Rate
**Balance................Interest Rate*............APY***Above $0.00.........0.50%........................0.50%

*All Interest Rates and Annual Percentage Yields (APY) are accurate as of 04/01/18. Rates may change after account is opened. Fees or withdrawals could reduce earnings.

- Terms
If Average Ledger Balance for the statement period falls below $500, a $5 fee will be assessed. If account is closed within 90 days, a $50 account closing fee will apply. A depositor may make no more than six covered transfers or withdrawals per statement cycle or a $20.00 excessive transaction fee per each additional transfer or withdrawal will apply. Interest is compounded and credited monthly.

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 | ||
---|---|---|

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 | ||
---|---|---|

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 | ||
---|---|---|

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 | ||
---|---|---|

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 | ||
---|---|---|

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 | ||
---|---|---|

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 | ||
---|---|---|

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 | ||
---|---|---|

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
| ||
---|---|---|

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.