1 Prime rate and the APR ("Annual Percentage Rate") of this loan is variable during the draw period and is currently 6.75% APR. Civic HELOC APR will be equal to the Prime Rate, as published in The Wall Street Journal, for the life of the HELOC. Minimum APR is 4.75%, and maximum is 18% APR. Minimum HELOC loan is $25,000, maximum is $250,000. Payment examples if maximum line of credit is used for full credit period: Traditional HELOC, $60,000 at 6.75% APR, 180 monthly payments of $900; interest-only HELOC, $60,000 at 7.25% APR, 180 monthly payments of $332.88. HELOC is subject to approval. Property must be in NC, SC, GA, or VA. Not available for manufactured homes or investment properties. Members must carry adequate homeowners' and flood insurance on the property that secures the HELOC for the life of the loan.

Offer and rates are subject to change or be rescinded without notice. No purchase money seconds. Members who opt out of no-closing cost terms will be ineligible for prime-only rate.

2 HELOC closing costs paid by Civic to third parties include settlement fees, credit reports, flood determinations, property valuations, title searches, lender's title insurance, recording, and government charges. Initial advance of $25,000 immediately following the loan closing is required as a closing cost accommodation. Further, an outstanding minimum principal balance of at least $20,000 is required on the HELOC for a continuous period of 6 months beginning on the origination date (date that the loan closes). If the required minimum draw and balance is not drawn and maintained as specified, closing costs will be added to the line of credit. Civic is not responsible for prepaid interest and escrow payments for first-lien HELOCs. Offer not available for existing Civic loans unless application includes an increase in line of credit.

3 Message and data rates may apply.

4 Members may borrow against available credit line for period of 15 years, after which principal and interest payments are required for up to 10 years. During this repayment period, the loan will be converted to a fixed rate.

5 Overdraft Transfer Service is available from a Checking, Savings, or Money Market account with no minimum increments or transfer fees. Members may also apply for an overdraft Line of Credit from which transfers are made in increments of $50 up to available limits.

6 APR= Annual Percentage Rate. Subject to approval. Property must be in NC, SC, GA, or VA. Not available for manufactured homes or investment properties. Minimum APR for Traditional HELOC is variable during draw period and is 6.75% or Prime Rate as published in Wall Street Journal ten days before end of prior month (called the "Index"), plus a margin. Minimum APR for Interest-only HELOC is 7.25%, with margin starting at 0.50% APR. Margin determined by factors including but not limited to credit qualifications, combined loan-to-value, and loan amount. Maximum APR for HELOC is 18%. Rates subject to change. No purchase money seconds. Adequate property and flood insurance required for life of loan. Minimum HELOC is $5,000. Any required appraisal, title insurance, or attorney fees are paid at borrower's expense. Fees range from $700 to $4,000. Payment examples if maximum line of credit is used for full credit period: Traditional HELOC, $75,000 at 6.75% APR, 180 monthly payments of $1,237. Interest-only HELOC, $75,000 at 7.25% APR, 180 monthly payments of $559.