Rates, terms & conditions effective as of 9/1/18. Subject to credit approval. Property insurance required. Other restrictions may apply, see bank for details. Offer eligible for new and renewing HELOC loans. Introductory discounted variable rate in effect for the first 12 billing cycles, based on a 1.25% discount resulting in an APR of 1.51% below prime rate as published in the Wall Street Journal. Thereafter, variable rate based on The Wall Street Journal prime rate plus a factor, currently 4.74%. APRs based on a $100,000 line with an LTV of 80% or less, may be higher depending on certain credit factors and include a .25% rate reduction at origination for automatic payment from an ONB checking account. ONB associates may select the associate discount or Private Select discount, not both in addition to the promo rate. Max APR is 21%. Initial $50 annual fee waived. Closing costs may apply if title insurance required. Balloon payment may be required to pay this loan in full. Minimum monthly payment equal to the interest that accrued on the outstanding balance during the preceding billing cycle or $50, whichever is greater. As permitted, if the line is closed within 3 years the prepayment penalty fee is the lesser of 1% of principal balance or $350.