This product is a variable rate, open-end loan secured by your primary residence. 80% maximum loan to value. Cannot be used for home purchase. Property insurance is required. An appraisal and flood insurance may be required. Maximum loan amount $250,000. At line closing we will waive the third-party fees for appraisal, credit report, flood certification, flood life of loan, title search, notary, tax certifications, and recording. Annual Percentage Rates (APR’s) listed are accurate as of 05/04/23. • Promotional rates and terms described in this offer are only valid for Tier 1 credit score (720+) as determined by selecting the middle credit score of TransUnion FICO Classic (04), Equifax FICO Classic V5 Facta, and Experian Fair Isaac Version 2 obtained by JBT at time of loan application and requires $15,000 in new money.  For joint applications, the Tier is determined by selecting the lesser of  the two middle scores. Rate and term example: Initial introductory Annual Percentage Rate (APR) of 3.99% is fixed for six months.  After 6-month introductory period, Annual Percentage Rate (APR) is based on an index (Wall Street Journal Prime Rate) plus a margin of 0% (8.25% APR accurate as of 05/04/23). Your initial introductory APR and your APR thereafter will be determined based on your credit qualifications. APR may vary. Maximum APR is 18.00%.  Rates and terms may be changed or withdrawn at any time. Other rates and terms available for lines that do not qualify for this offer (including lines that do not include $15,000 in new money or lines with credit scores < 720). Loan fees ranging from $420 to $800 will apply. For more information about current rates, applicable fees, and available terms, or for non-owner occupied real estate loans, contact JBT’s Client Resource Center at 717-274-5180 (Option 1) or visit our Online Loan Center for details.