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Equal Housing Lender. Member FDIC. JCB NMLS #738802. 800-204-6477. See a retail real estate loan officer for full details. MORTGAGE SPECIAL: Subject to credit approval. Limited time offer available for fixed rate loans sold to Freddie Mac, for the purchase of a one- to four-unit primary residence. Application must originate and be received by 12/17/2021. The $250 promotional credit will be reflected on the Closing Disclosure. The offer has no cash value. Terms and conditions subject to change without notice and may affect this offer. HELOC SPECIAL: *Subject to credit approval. Limited time offer. Minimum credit line is $5,000. Application must originate and be received by 12/17/2021. Introductory rate is an Annual Percentage Rate (APR) of 1.99% for the first 6 months. Introductory rate and no closing costs are available on new home equity lines of credit only with combined loan-to-value ratio (CLTV) of 90% or less on owner-occupied residential properties. After the introductory period, the APR is based on the Wall Street Journal Prime plus a margin determined at the time of consummation. APR will never be lower than 3.25%, nor exceed 21%. The Wall Street Journal Prime on 5/21/21 was 3.25%. The term is 10 years of monthly interest only payments during the draw period followed by 10 years of monthly principal and interest payments. An annual fee of $55 will be assessed after the first year and each year the loan is open during the 10 year draw period. If the account is paid off and closed within 12 months of consummation, a Prepayment Termination Fee of the lesser of $375 or 2% of the total amount prepaid will be charged and a Reimbursement Fee equal to all upfront closings costs paid by JCB to third parties at closing will be charged. Terms and conditions subject to change without notice and may affect this offer. Other restrictions may apply. Proof of homeowners insurance is required.

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