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* As of 10/01/15, Annual Percentage Rate (APR) is the highest Prime Rate (index) published in the 'Monthly Rates' section of the Wall Street Journal on a monthly basis, but APR cannot decrease below floor rate of 3.25% (As of 10/01/15, the Prime Rate is 3.25%). After 12 month introductory fixed rate, rate adjusts based on Prime Rate plus a margin ranging from 0 to 1.5% depending on credit score. Maximum 18% APR. Maximum loan amount is $250,000 and 90% Combined-Loan-To-Value (CLTV). Your loan amount will be determined by your home value, available equity, and credit history. Minimum payment may not be sufficient to repay outstanding loan balance at the end of the draw period and may result in a single balloon payment. This loan may have a prepayment penalty; ask us for details. You must have opened or open your primary checking account to receive $0 standard closing costs. Your primary checking account must be maintained in active status for the term of the HELOC or a $500 fee may be assessed. Please ask us about the Promotional Closing Cost Program Participation Agreement for more details. $50 annual fee after first year. This loan is not available for the purchase of a primary residence and no loan proceeds can be used to pay off any existing loan obligation with Republic Bank & Trust Company. Offer and rates only available until 01/31/16. Loan subject to underwriting and approval. Additional restrictions apply. Limited time offer. Republic Bank & Trust Company Loan Originator ID # 402606
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**** The Annual Percentage Rate ('APR') is a variable rate. The APR shall be based on the highest Prime Rate listed in the Monthly Rate section of the Wall Street Journal on the 1st day of each month (or if the 1st is a Saturday, Sunday, or holiday, the next business day) and adding 10.2% - 15.2% to that rate based on your credit worthiness at time of application, not to exceed 21%. Any change in the APR will go into effect on the first day of your new billing cycle that follows the effective date, as herein defined, of the Wall Street Journal published Prime Rate change and may result in an increase or decrease in the INTEREST CHARGE imposed on your account.