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* Products and services offered by Johnson Bank, Member FDIC, a Johnson Financial Group Company. Loans are subject to credit and property approval, bank underwriting guidelines, and may not be available in all states. Other loan programs and pricing may be available. The term of the loan will vary based upon program chosen. Certain conditions, terms, and restrictions may apply based on the loan program selected. Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required. Private mortgage insurance required on loans with less than 20% down.

1 The Annual Percentage Rate is 4.85% effective 9.25.2020 for a period of one year. Rates and payments based on 95% Loan to Value. Note is modified during the construction period to call for a monthly payment of interest only on funds advanced. The annual rate cap is 2% with a 6% over initial lifetime cap depending on the program chosen. The annual and lifetime rate caps are subject to change. The interest rate will be based on the 30-day average SOFR (the index) as published by the Federal Reserve Bank of New York, plus our margin rounded to the nearest one eighth of one percentage point (0.125%). The initial rate may include a premium or discount and may not be based on the current index value. Conversion request to fixed rate financing may occur at any time 30 days prior to final draw. The new fixed interest rate will be equal to the Conversion Rate posted on the Johnson Bank Internal Rate Sheet on the date that the rate lock request is received. The applicable interest rate will be determined by the term and rate lock period being requested. A monthly payment on a 360 month fully amortized $510,400 mortgage loan at 4.50% is $5.07 per $1,000 borrowed. Payments include principal and interest. Actual payments/monthly expenses may be greater due to term selected, property taxes and required homeowner’s insurance and, if required, flood insurance. Required closing costs, including property appraisal and title insurance, range from $2,200 to $3,250.

2 The Annual Percentage Rate is 3.95% effective 9.25.2020 for a period of one year. Rates and payments based on 85% Loan to Value. Your loan payment will be locked in at a 1, 2, or 3 year payment schedule as selected, amortized over 20 years. A monthly payment on a $100,000 3 year lot loan with a 240 month amortization at 3.875% is $5.99 per $1,000 borrowed. At the end of the loan term, the principal balance remaining unpaid will be due in full, plus any unpaid charges due but not collected during the term of the loan. The loan may be eligible for renewal based on current credit approval, underwriting guidelines and subject to property approval. Actual payments/monthly expenses may be greater due to term selected, property taxes and required homeowner’s insurance. If applicable, flood insurance may be required. Required closing costs, including property appraisal and title insurance, range from $1,150 to $1,575.