6 Month Fixed Intro Rate of 1.95%APR* Variable Rate After Intro Period 3.99%APR*

Ready for that big vacation, or need to tackle projects around the house? Take advantage of WaterStone Bank's Low and Locked Line-of-Credit, available for a limited time! Enjoy the low intro rate locked for 12 months so you can make the most of your home's equity! Visit us at wsbonline.com or call Customer Service at (414) 761-1000 for more information. Activate your Low and Locked Line-of-Credit today!

For more information call 888.686.7272, or click here to contact us.

*Advertised APRs, interest rate, and loan programs are subject to change at any time. APRs listed are effective as of 07/02/2018. Intro Rate APR will be fixed for 12 months from closing date. After the 12 month Intro Period the APR will be variable and based upon an index (Prime Rate) plus or minus a margin. Prime Rate is the index identified as the U.S. Prime Rate as published in the Wall Street Journal Money Rates Table on the last business day of the month and is subject to change monthly. Your APR will be based upon your Loan to Value, credit limit and meeting specific credit qualifications. Property insurance, title insurance and flood insurance, if applicable are required on all collateral. Third party closing costs can range from $94.94 to $1,190.18 per loan however you will only be charged valuation and/or title insurance policy fees, if applicable. Other closing costs will be waived. Appraisals are generally required on loan amounts equal to or greater than $250,000 and a title insurance policy is generally required on loan amounts equal to or greater than $100,000. If you terminate your right to obtain advances within 36 months from loan closing an early termination fee of 2% of the amount prepaid up to a maximum of $500 will apply. WSB Low and Locked Line-of-Credit allows you to make interest only payments. Making interest only monthly payments will result in a balloon payment of the outstanding balance plus any accrued and unpaid interest and fees at the end of the term. You are required to have an existing, or open a new WaterStone Bank SSB (WSB) checking account with the WSB Low and Locked Line-of-Credit. An Annual Fee of $75.00 will be charged to your line each year. You are eligible for a seventy five dollar ($75.00) Annual Fee Credit (the "Credit") if you have a WaterStone Bank SSB (WSB) checking account and you are enrolled in the WSB Military Valor Program. The Credit will be deposited to your WSB checking account within sixty (60) business days of the Annual Fee being charged to your WSB Low and Locked Line-of Credit. WSB Low and Locked Line of Credit has a Minimum Loan Amount of $5,000. Owner occupied collateral only and must be located in the following Wisconsin counties: Milwaukee, Waukesha, Ozaukee, Washington, Racine, Kenosha and Walworth. Consult a tax advisor regarding tax deductibility of interest. Your WSB Low and Locked Line-of-Credit variable rate APR will depend upon your LTV, credit limit, and credit qualifications. Refinances of any existing WSB HELOC, WSB OptionFlex Line-of-Credit, or WSB Low and Locked Line-of Credit loans are excluded from this offer. Please stop by a branch location for more information. WaterStone Bank SSB NMLS # 407327.



WATERSTONE BANK CORPORATE OFFICE | 11200 W PLANK COURT, WAUWATOSA, WI 53226