|*Must be new funds, not available for refinance of existing Lake Elmo Bank loans. All loans are subject to credit approval. Stated annual percentage rates (APR) available for applications received by May 31, 2014. To obtain the lowest APR, you must have excellent credit history, maximum loan-to-value not to exceed 100% and debt-to-income not to exceed 45%. $25,000.00 minimum loan amount for 72 month term. The actual APR to be determined when a credit decision is made and may be higher than the lowest rate available. For sample payments, see table below. 24-60 payment examples are based on a loan amount of $10,000.00 and the 72 month is based on a loan amount of $25,000.00. Other rates and terms available. APRs range from 1.99% —9.44%.
*APR is the annual percentage rate. Rate is based on the Wall Street Prime rate and changes as the prime rate changes. Maximum APR of 12.95% and a minimum APR of 2.75%. Stated annual percentage rates (APR) available for applications received by June 30, 2014. Stated APR available on the 6 year variable rate Home Equity Line of Credit only. Offer limited to customers who qualify for Tier 1 credit and collateral loan to value may not exceed 70% LTV, other rates and terms are available . Refinance of existing LEB HELOCs require a credit limit increase of $10,000 and funds must be disbursed upon expiration of the rescission period. Customer pays all closing costs and cost of appraisal if required. Property insurance is required and flood insurance may be required. All applications are subject to credit review and approval. Collateral must be either a primary residence or second home. The Rate, terms and fees for this offer are subject to change at any time. NMLSR ID 403447.