SBT is an Equal Housing Lender
*The Best Rate Line of Credit features Variable Annual Percentage Rate (APR) based on "Prime Rate" as published daily in The Wall Street Journal. On April 8, 2013, Prime was 3.25% and APR's on SBT's home equity line products range between 3.99% APR to 6.50% APR depending on the property type, approved credit line amount, combined loan-to-value (CLTV), and credit qualifications. Prime plus .74% APR disclosed above assumes an LTV of 80% or less, and includes a 0.25% discount if loan payments are automatically withdrawn from a new or existing SBT checking account. Rate restricted to 1- to 4- family owner-occupied residence and is subject to no less than a second lien position on your property. Credit approval is subject to SBT's underwriting standards. Lifetime APR will not exceed 24.00% per annum or, go below 3.99% per annum at any time during the term of the Plan. Credit Line subject to an annual fee $55.00 after the first year. A $450.00 Early Termination fee applies if home equity line of credit is terminated within the first 24 months. Balloon payment may be required at maturity. Offer subject to change without notice. Not available for homes currently for sale or intended to be sold within twelve months of closing. Property insurance will be required. Flood insurance may be required. All loans are subject to SBT's underwriting standards.