Product Disclaimers

Mortgage

Purchase and Refinance

Fixed Rate/Adjustable Rate Conforming – APR’s are based on a $200,000 loan for a purchase or refinance transaction of an owner occupied, single-family residence with an 80% loan-to-value ratio (97% LTV for FHA’s). Rates must be valid for an applicant with a 740 FICO score. Rates are subject to change without notice.

Quotes are for “no cash-out” loans. All quotes are for products or loans that can be sold on the secondary market with no prepayment penalties nor negative amortization.

Fixed Rate/Adjustable Rate Jumbo – APR’s are based on a $450,000 loan for a purchase or refinance transaction of an owner occupied, single-family residence, and up to 70% loan-to-value ratio. Rates must be valid for an applicant with a 740 FICO score. Rates are subject to change without notice.

Quotes are for “no cash-out” loans. All quotes are for products or loans that can be sold on the secondary market with no prepayment penalties nor negative amortization.

Home Equity

Home Equity Loans – Rates are based on a fixed rate home equity loan for an owner occupied residence, second lien, 10 year or 15 year repayment terms with an 80% loan-to-value ratio for loan amounts of $50,000 or $50,000+.

Rate Discount indicates the amount of reduction in the Rate for having monthly payments automatically deducted from an account and/or for having other relationship accounts with the institution, expressed as a percentage. Rates shown may be subject to regional pricing.

Conditions “No closing costs” indicates that customer is not required to pay closing costs on the loan. “With closing costs” indicates that customer is required to pay closing costs on the loan. Rates displayed may include discounts. Rates are subject to change without notice.

Home Equity Line of Credit – Rates are based on a variable rate, second lien revolving home equity line of credit for an owner occupied residence with an 80% loan-to-value ratio for line amounts of $50,000 or $50,000+.

Discount indicates the amount of reduction in the Rate for having monthly payments automatically deducted from an account and/or for having other relationship accounts with the institution, expressed as a percentage. Rates shown may be subject to regional pricing.

Conditions – “No closing costs” indicates that customer is not required to pay closing costs on the line of credit. “With closing costs” indicates that customer is required to pay closing costs on the line of credit. Rates displayed may include discounts. Rates are subject to change without notice.

Auto Loans

New Auto Loans – Rates are based on a $25,000 loan for a purchase transaction of a new vehicle.
Discounts indicate the amount of reduction in the Rate for having monthly payments automatically deducted from an account and/or for having other relationship accounts with the institution, expressed as a percentage.
Rates are subject to change without notice.

Used Auto Loans – Rates are based on a $15,000 loan for a purchase transaction of a 2-year old used vehicle.
Discounts indicate the amount of reduction in the Rate for having monthly payments automatically deducted from an account and/or for having other relationship accounts with the institution, expressed as a percentage.
Rates are subject to change without notice.

Deposit and Retirement

APY’s are based on the highest APY offered for the given deposit amount and below.
Rates are subject to change without notice.

Credit Cards

1. Best Overall Deal – Ranking is by lowest annual cost excluding introductory or “teaser” rates, assuming an average balance of $2,500 is carried for one year, annual fee is paid during the first month, and late fees are incurred twice during the first year.
   Rates and conditions are subject to change at any time.
2. Lowest Annual Percentage Rate – Ranking is by lowest annual percentage rate, excluding introductory or “teaser” rates.
   Rates and conditions are subject to change at any time.
3. Lowest Introductory Rate – Ranking is by lowest introductory rate for period of time.
   Rates and conditions are subject to change at any time.
4. Lowest Balance Transfer Rate – Ranking is by lowest balance transfer rate for a period of time.
   Rates and conditions are subject to change at any time.
5. Best Reward – Ranking is by lowest annual cost excluding introductory or “teaser” rates, assuming an average balance of $2,500 is carried for one year, annual fee is paid during the first month, and late fees are incurred twice during the first year.
   Rates and conditions are subject to change at any time.
6. Best No Annual Fee – Ranking is by lowest annual cost excluding introductory or “teaser” rates, assuming an average balance of $2,500 is carried for one year and late fees are incurred twice during the first year.
   Rates and conditions are subject to change at any time.
7. Best Frequent Flier – Ranking is by lowest annual cost excluding introductory or “teaser” rates, assuming an average balance of $2,500 is carried for one year, annual fee is paid during the first month, and late fees are incurred twice during the first year. Rates and conditions are subject to change at any time.
8. Best Student – Ranking is by lowest annual percentage rate as well as lowest annual fee. Rates and conditions are subject to change at any time.
9. Best Problem Credit – Ranking is by lowest annual percentage rate as well as annual fee and application fee. Rates and conditions are subject to change at any time.