Introductory Rate Details: The introductory fixed APR of 3.99% is valid for the first six consecutive billing cycles beginning at account opening. The introductory rate is accurate as of 10/13/2026 and is subject to change without notice. Not combinable with other offers.

Variable APR Information: After the introductory period, the APR is variable and based on the highest Prime Rate published each day in The Wall Street Journal Rates Table (the "Index"), plus a margin during the revolving and repayment periods. As of 10/13/2026, the Index plus margin ranged from 7.00% to 12.50%. In no event will the APR exceed the lesser of 18% or the maximum rate permitted by applicable law. Rates, terms and offers are subject to change without notice.

Additional Terms and Fees: Property insurance is required, including flood insurance where applicable. A processing fee ranging from $180 to $500, depending on the subject property state and line amount, is due at closing. A $50 annual fee applies after the first year of account opening, except in Texas. Maximum loan-to-value (LTV) may vary based on applicant credit qualifications. The minimum advance is $4,000 in Texas and $250 in all other states. Home equity lines of credit are available in Iowa, Louisiana, Tennessee and Utah only to current BOK Financial mortgage customers. All loans are subject to credit approval.