Dear Client,

A mortgage¹ from Nevada State Bank could be the key to owning your dream home.

Now is the optimal time to take advantage of a lower rate 7/1 ARM before rates rise. Whether you are looking to refinance your existing loan or use your equity to purchase a larger home, our residential mortgage team can help.

LIMITED TIME OFFER

• Lower fixed interest rate for 7 years, adjusts yearly after that
• Purchase or refinance
• Consolidate mortgage and home equity loan/line into one lower-rate loan

We know that being a great bank means more than having competitive rates. At Nevada State Bank, we take great care of our clients like you, and that means giving you options in controlling your finances. Our lending officers are local, experienced and ready to work with you.

IT MATTERS WHO YOU BANK WITH^®

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1. All loans are subject to credit approval; terms and conditions apply. 2. APR is current as of 03/15/2019, may increase after closing and is based on the 1 Year LIBOR/Swap Rate Index plus a margin and is subject to change without notice. APR is based on superior credit and assumes an automatic payment from a Nevada State Bank account. Sample payment based on estimated information: Loan term 30 years, loan amount of $520,000 with a variable 4.36% APR; Initial interest rate of 3.49% fixed for the first 7 years, estimated monthly payment of $2,332.13 (no adjustments occur during this timeframe), followed by the remaining term of loan with an estimated monthly payment of $2,730.39 (loan adjusts annually which could reflect in a higher payment). Your actual interest rate and APR may vary depending on the specific characteristics of the loan transaction and the borrower's credit profile up until the time of closing, which may result in a higher payment. Collateral must be owner occupied, first lien, residential property located in Nevada. Maximum APR is 8.99%. Down payment of 20% required. Offer subject to change. NMLS #467014