FLEX EQUITY HOME EQUITY LOAN

Flex Equity Annual Percentage Rate. Rate subject to change without notice. 20 year 5/1 ARM: Adjustable Rate Payment Example based on a loan amount of $50,000 and a loan-to-value of 80%: 5/1 adjustable rate with a 8.445% APR, the first 60 payments are $434.65, with 12 payments at $500.22 if the rate were to adjust to 10.50%, 12 payments at $569.43 if the rate were to adjust to 12.50%, 12 payments at $641.74 if the rate were to adjust to 14.50%. Payment examples do not include homeowner insurance, property taxes, private mortgage insurance or homeowner association dues. Payment examples were calculated using the initial payment period, and then each payment thereafter was calculated using the maximum rate allowed for each rate change period until maximum rate achieved. Rate and payment will adjust annually based on the index and loan terms through the life of the loan for the continued repayment period. Example for informational purposes only. Actual payments may be higher. Homeowner insurance required. Minimum loan amount $10,000; maximum $1,000,000. All loan terms and conditions are subject to Credit Union qualifications and approval. Some restrictions may apply. Must have a Credit Union membership established and be in good standing.