Don't wait! Lock in a low rate. 99% APR* .99%| 3.75% APR APR" INTRODUCTORY RATE FOR THE FIRST 3 MONTHS CURRENT VARIABLE RATE AFTER DISCOUNT PERIOD WITH A FLOOR OF 3.75% The Flexible Freedom Home Equity Line of Credit Apply now at hnbbank.bank/99 The Honesdale (HNB) National Bank 800-HNB-9515 hnbbank.bank "The introductory rate above requires automatic payment from an HNB Account Rates shown are as of February 28. 2022. Ater the discount period, the APR is variable and may change monthly based upon changes in the prime rate but will not tal beiow 3.75% or exceed 18%. The Prime Rate is the highest Prime Rate published in the Wall Street Journal and is 3.25% as of February 28, 2022. For example, at the foor rate of 3.75% APR ona $50.000 balance, the monthly principal billedis $277.77 and the monthly interest would be $156.25 for a total of $434.02. The interest will vary each subsequert month. At the 99% introductory rate the interest would be $41.25. The borrower may lock the line of credit to a fxed rate for a particular berm at any time and should inquire about rates, terms, and conditions. The following qualifications must be met to receive the introductory rate: (1) the Home Equity Line of Credit must be a frst fen or a second lien position on the property. (2) property can be a primary or vacation home, but not an investment property. (3) the loan-to-value ratio cannot exceed 80%: 4) requires automatic payments from an HNB account, (5) new home equity lines of credit must be for a minimum of $25,000: (6) renewals of oxisting home equity lines of credit with HNB must activate line or increase line by at least $25,000 to qualify for the initial APR discount; (7) Limited to Pa and NY properties. NY properties are subject to NY state mortgage tax. Offer subject to additional terms and conditions and may change at any time. Rates are subject to credit score. Oher fees may apply. This is not a commitment to lend Don't wait! Lock in a low rate. 99% APR* .99%| 3.75% APR APR" INTRODUCTORY RATE FOR THE FIRST 3 MONTHS CURRENT VARIABLE RATE AFTER DISCOUNT PERIOD WITH A FLOOR OF 3.75% The Flexible Freedom Home Equity Line of Credit Apply now at hnbbank.bank/99 The Honesdale (HNB) National Bank 800-HNB-9515 hnbbank.bank "The introductory rate above requires automatic payment from an HNB Account Rates shown are as of February 28. 2022. Ater the discount period, the APR is variable and may change monthly based upon changes in the prime rate but will not tal beiow 3.75% or exceed 18%. The Prime Rate is the highest Prime Rate published in the Wall Street Journal and is 3.25% as of February 28, 2022. For example, at the foor rate of 3.75% APR ona $50.000 balance, the monthly principal billedis $277.77 and the monthly interest would be $156.25 for a total of $434.02. The interest will vary each subsequert month. At the 99% introductory rate the interest would be $41.25. The borrower may lock the line of credit to a fxed rate for a particular berm at any time and should inquire about rates, terms, and conditions. The following qualifications must be met to receive the introductory rate: (1) the Home Equity Line of Credit must be a frst fen or a second lien position on the property. (2) property can be a primary or vacation home, but not an investment property. (3) the loan-to-value ratio cannot exceed 80%: 4) requires automatic payments from an HNB account, (5) new home equity lines of credit must be for a minimum of $25,000: (6) renewals of oxisting home equity lines of credit with HNB must activate line or increase line by at least $25,000 to qualify for the initial APR discount; (7) Limited to Pa and NY properties. NY properties are subject to NY state mortgage tax. Offer subject to additional terms and conditions and may change at any time. Rates are subject to credit score. Oher fees may apply. This is not a commitment to lend