BELOW PRIME INTRO RATE SERIOUSLY FOR A GREAT RATE ON A I PRIME MINUS 2.03% INTRODUCTORY APR FOR 6 MONTHS AND 5.59%-7.09% VARIABLE APR THEREAFTER HOME EQUITY CREDIT LINE, Zions Bank is for you. To learn more visit zionsbank.com/homeequity or your nearest Zions Bank ZIONS BANK HO AYEPS USIN BUSNEs WE HAVEN'T FORGOTTEN BUSINESS Loans subject to credt approval terms and conditions apply.Minimum loan amount is $5.000 Collateral must be owner-occupled single-family residential property, including condos townhomes and duplexes located in Utah Idaho and Wyoming with a maximum 80% Loan to Value Properties tor sale, rental and investment proper tes are not eligible Property insurance is required. A variable introductory APR of Prime Rate as stated in The Wall Street Journal minus 203% wil apply for the first 6 months of account opening After the intro penod variable APR 559%-709% wili apply based on commitment amount, loan-to-value. ben position and credit worthiness The lowest advertised 55R% APR is based on 1st ben position loan-to-value less than 70%, and excellent credi history. The variable APR is based on the Prime Rate as stated in The Wall Street Journal plus a margin and is subiect to change Maximum APR is 21%. The interest rate will change effectve with changes in the Index Borrower is responsible for third party closing costs that may range from $250 to $2.750 An early closure fee of 350 may apply if loan is closed within 36 months. Ofer subject to change. See a banker for full details A division of Zions Bancorporation, NA Member FDIC Equal Housing Lender NMLS. 467014