Home Equity Line of Credit

*Home Equity Line of Credit: Advertised rate is based upon a review of your credit, loan amount and a maximum loan to value (LTV) ratio up to 80% on an owner-occupied primary residence. Advertised rate is in effect through 06/30/13. Interest rate will vary monthly after the introductory period based on the Wall Street Journal Prime Rate plus a margin. The interest rate may vary monthly as Prime Rate changes, with a maximum rate of 18.00%. Prime was 3.25%APR as of March 1, 2013. Advertised rate requires a minimum advance of $10,000 in new money at closing and automatic payment from a NexTier checking account is required. Annual fee of $50 waived for first year. Loan fees are actual costs to process loan and are based on the county location. Loan fees vary, but average between $200 and $750. Property insurance is required on all loans. Title Insurance required on loans of $250,000 or greater and is borrower expense. Other rates and terms are available. Promotional offer subject to change or withdrawal at any time and may not be used with any other offer from NexTier Bank. See bank for details. Member FDIC.

5 Year Home Equity Loan

**Home Equity Loan: Closed-end home equity loan annual percentage rate (APR) applies to a 60-month term with a minimum loan amount of $50,000 and a minimum of $10,000 in new borrowings. Automatic transfer from a NexTier checking account is required with 80% maximum loan-to-value (LTV), first lien only, and a minimum 700 FICO score. Not for the purchase of homes. Rates and terms may vary by property type, loan amount, LTV ratio, and FICO score. Owner-occupied properties only. Other rates and terms available. Application and closing costs waived for this offer on loan amounts of $50,000 or greater. If the loan is terminated for any reason within 24 months of opening date, borrower must reimburse NexTier for all waived closing costs in connection with opening the loan. Loan fees are actual costs to process loan and are based on the county location. Loan fees vary, but average between $200 and $750. Property insurance is required and flood insurance may be required. Title Insurance is required on loans of $250,000 or greater and is borrower expense. Other rates and terms are available. Promotional offer subject to change or withdrawal at any time and may not be used with any other offer from NexTier Bank. Examples: The monthly payment on a first lien 60-month loan is $179.20 per $10,000 borrowed. Payments do not include amounts for taxes and insurance premiums, actual payment obligation may be greater. See bank for details. Member FDIC.