Home Equity Line of Credit ENDLESS POSSIBILITIES HOME EQUITY SPRING SALE Now’s the time to tap into your home’s equity with great benefits like: • • • • • No closing costs, points, application or annual fees** Interest-only payment option (Line of Credit Only) Access your home’s equity simply by writing a check (Line of Credit Only) Local loan servicing – by our expert staff Loan decision in as little as 3 business days 3.25 * % APR 12 MONTH FIXED INTRODUCTORY RATE 5.50 * % APR AFTER 12 MONTHS VARIABLE PRIME RATE ACT SOON Offer expires May 31, 2019 We’re your lender and neighbor Call: 518-584-5844 Click: Visit: Our website or any of our convenient branch locations to apply NMLS# 645688 DISCLOSURES: * NEW HOME EQUITY CUSTOMERS ONLY: The Home Equity Line and Loan is for an 80% Loan to Value. The initial rate of a Home Equity Line of Credit is 3.25% APR for 12 months and is accurate as of 2/25/19. Thereafter, a variable rate with the Annual Percentage Rate (APR) calculated by adding 0% to the highest Prime Rate published by the Wall Street Journal, currently 5.50% APR. This limited-time offer is available on loans of $7,500 or more, but less than $250,000 and is subject to change without notice. The maximum amount of the Home Equity Line/Loan based on the value of your property is determined by multiplying 80% of the appraised value of the property minus any outstanding mortgage loan amounts. Property insurance is required, which includes, if required, flood insurance. The Home Equity Line of Credit rate cap is 24.99% and the rate floor is 5.50%. Rates may change or not be available at commitment or closing. Other terms and conditions may apply. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with the Agreement. ** All closing costs are waived on the condition that the Home Equity Line/Loan remains open for three years. (If the Bank attorneys require Title Insurance, you will pay the cost.) Should the Home Equity Line/Loan close prior to three years, all closing costs previously waived would be collected, estimated to range between $565 - $3,190 for Home Equity Lines of Credit up to $250,000. Member FDIC © 2019 Adirondack Trust Company

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