DEBT CONSOLIDATION? HOME REMODELING PROJECT? HOME EQUITY 7 LINES OF E CREDIT (HELOC) with NO closing costs! INTRO RATES AS LOW AS 3.40% 8 TOM5/21/18 thru 6/30/18 COMPARED TO CURRENT RATES OF 4.75% TO 8.00% Call Center National Bank today at 800-893-3255 for details about how you can get a HELOC with arn Intro Rate as low as 3.49% APR* with NO closing costs" 0 301 N Ramsey Ave15705 37th Ave N Litchfield, MN 55355 Plymouth, MN 55446 National Bank 30 83 763-225-8888 n Bankin 800-893-3255 cnbmn.com The annual percentage rate (APR) can change monthly after remaining fixed for 12 months if a S10,000 balance is maintaned on the HELOCIf a balance of $10,000 is not maintained on the HELOC dring the first 12 months, the APR will be changed the first of the following month. The APR is variable and is based on an index. The index is the base rate on corporate loans posted by at least 70% of the 10 largest US banks known as the Wall Street Journal US Prime Rate and is published in the Wall Street Joumal, plus a margn The index as of May 15, 2018. is 4.759. After the initial 12 moeth period or the HELOC balance going below $10,000 during the first 12 months, the mini- mum APR is 4 75%; mtímum APR îs 21.75% AFR does not include costs. Your AR will be based on the specific characteristics of your credit transaction, including evaluation of credit history, property type and amount of credit. To qualify for the lower HELOC rate, the following applies: The HELOC has a 10 year term with required automatic monthly payment from a required Center National Bank checking account. HELOC is to be secured by an owner-occupied 1-4tamily residence. During this 10 year term, payments will be due monthly Your minimum monthly payment wil equal the amount of accrued finance charges on the last day of the billing cycle. The minimum monthly payments will not be sufficient to fully repay the principal that is outstanding on your line of credit at the end of 10 years.At the end of this period, your HELOC could have a balloon payment due. HELOC approval is subject to credit underwriting guidelines. Any clasing costs walved at account opening must be paid by borrower it the HELOC is closed within the first 5 years. Costs range from $50-$3,000 depending on the property type, the amount of credit extended and include applicable state or local mortgage taxes Nou should consult a tax advisor regarding the dedauctbilty fr interest and charges for this line of credit. FDiC