¹Promotional Offer Details: 3.99% Introductory APR promotional offer is valid for Home Equity Line of Credit (HELOC) applications received between 8/04/2026 and 8/24/2026. The introductory fixed APR is valid for the first six consecutive billing cycles beginning at account opening. The introductory rate is accurate as of 8/04/2026 and is not combinable with other offers.

²Variable 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 8/04/2026, the Index plus margin ranged from 6.75% to 12.25%. In no event will the APR exceed the lesser of 18% or the maximum rate permitted by applicable law.

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. All loans are subject to credit approval.