nail it down & live it upHOME EQUITY LINESINTRODUCTORY RATE FOR 12 MONTHS1.99% APR4.25% SUBSEQUENT VARIABLE RATE AS LOW AS PRIMEApplies after the 12th monthTackle all of your home improvement projects with our low Home Equity Line of Credit rate.OldPoint.com  757.728.1200OLD POINT NATIONAL BANKOnly applies to newinterest-onty lnes. Mismm loan amout of $10000 Mnium initial crecht advance of sT00OO st betaken when the account is opened The m ongoing credit advance for this account is $300 1996 introckictory AnnuaPercentage Rate CAPR) is aveilable witha 8% loan-to-valtue aT or less. The APR does not incucde costs other than interestThe interest rate wiff be foed at 199% ApR dunng the 12-month introductory perod. The HE LOC has a draw period of 30 yersand a baloon payment will resut i only the minimum montiWy payment is made M you macde onty the minimum monthlypayments interest only) and took no other credit acvances, it would take 1O years to pay off o creait odvance of $10,000 at anAFR of 4.25% During the Draw perod, you would nal e 119 monthly payments of $35.42 (nterest oriy) This would be followedby one fial poyment of SIO03542 nterest and principa) After the 12-month ntroductory period the APR will vary The indexis the base rate on corporate loans posted by at least 70% of the 30 largest us banks known as the Wall Street Journal US PrimeRate and is publishedinthe Wall Street Journal As of August 2017, the variable rate for home eqaty lines of credit ranges fromPrime (4.25% APR) to Prime plus 3 (Z25% ApR) Hgter rates apply for higher LTV and rates are dependent on other factors Therate will not very above 24% APR nor below l 90% ApR Roterrformton wit be provded on or with och prod c statement.Offer is subject to normal credit qualifications. There is a processing fee of $IO0 Third party fees range from $150-$1,500Rates aresubyect to change Property insurance is required Only owner-occupierd property Consult your tax adisorregarding the deductibility of interest. Some restrictions may apply Offer subject to change Member FDIC

Date: October 9, 2017

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Old Point National Bank

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nail it down & live it up HOME EQUITY LINES INTRODUCTORY RATE FOR 12 MONTHS 1.99% APR 4.25% SUBSEQUENT VARIABLE RATE AS LOW AS PRIME Applies after the 12th month Tackle all of your home improvement projects with our low Home Equity Line of Credit rate. OldPoint.com 757.728.1200 OLD POINT NATIONAL BANK Only applies to newinterest-onty lnes. Mismm loan amout of $10000 Mnium initial crecht advance of sT00OO st be taken when the account is opened The m ongoing credit advance for this account is $300 1996 introckictory Annua Percentage Rate CAPR) is aveilable witha 8% loan-to-valtue aT or less. The APR does not incucde costs other than interest The interest rate wiff be foed at 199% ApR dunng the 12-month introductory perod. The HE LOC has a draw period of 30 yers and a baloon payment will resut i only the minimum montiWy payment is made M you macde onty the minimum monthly payments interest only) and took no other credit acvances, it would take 1O years to pay off o creait odvance of $10,000 at an AFR of 4.25% During the Draw perod, you would nal e 119 monthly payments of $35.42 (nterest oriy) This would be followed by one fial poyment of SIO03542 nterest and principa) After the 12-month ntroductory period the APR will vary The index is the base rate on corporate loans posted by at least 70% of the 30 largest us banks known as the Wall Street Journal US Prime Rate and is publishedinthe Wall Street Journal As of August 2017, the variable rate for home eqaty lines of credit ranges from Prime (4.25% APR) to Prime plus 3 (Z25% ApR) Hgter rates apply for higher LTV and rates are dependent on other factors The rate will not very above 24% APR nor below l 90% ApR Roterrformton wit be provded on or with och prod c statement. Offer is subject to normal credit qualifications. There is a processing fee of $IO0 Third party fees range from $150-$1,500 Rates aresubyect to change Property insurance is required Only owner-occupierd property Consult your tax adisor regarding the deductibility of interest. Some restrictions may apply Offer subject to change Member FDIC

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