* Offer available for applications on Home Equity Lines of Credit and FlexLines taken between 9/4/18-11/3/18 that close no later than 11/15/18. Subject to credit approval. Regular credit guidelines apply. The Annual Percentage Rate of 1.99% is available on lines of credit with a minimum term of five years with bank paid standard closing costs. You may be responsible for non-standard closing costs. After three months, the rate will be tied to Wall Street Journal Prime (5.00% as of 8/10/18) plus margin or floor of 4.00% whichever is greater. After the introductory rate, the APR can change daily. The APR cannot exceed 21.75%. Actual rate for remaining term will be determined with credit decision and will be higher if you do not meet the following: a credit score of 740 or above, debt-to-income of 20% or less, and loan to value of 80% or less, and automatic payment is required from KleinBank account. Annual Fee of $50 will be applied after first year of opening line of credit. Requires monthly payments with a balloon payment due at maturity. Minimum line amount of $10,000, maximum $250,000, or by adding $10,000 to an existing line that is equal to, or greater than 18 months old. Homeowners insurance is required. Qualifications apply to primary residences only. Excludes purchase loans. See your tax advisor for tax benefits. If line is not maintained for three years, customer is responsible for closing costs. Closing costs range from $450 to $1,500 based on loan amount. There are additional closing costs for loans over $100,000. Other products and terms available including secondary residences. Rates and terms are current as of 8/10/18 and subject to change.