Bank of'CommerceBANKING MADE PERSONALUSE YOUR HOME'S EQUITY TO REACH YOUR GOALSWITH .99% APR FOR 6 MONTHS.*Lines of credit up to 90% of your home's current appraised value on 1stmortgage, up to 85% on 2nd mortgage (minus mortgage balance)No closing costs regardless of who holds your 1st or 2nd mortgage15-year term with maximum credit line of $250, 000 and min imumof $10,000"Introductory rate is .99 % for 6 months. On the 7th month, the rate is variable and equal to the Wal StreetJournal prime rate, which corresponds to a 5.50 % to 6.25 % APR. Your APR will never exceed 21% or be less than3.25% after the introductory term. Bank of Commerce will pay closing cost. Other terms and conditions applyProperty and flood insurance is required when necessary. This product is available to new HELOC applicants only.Loans are subject to credit policies and approval. Rate, terms and conditions are subject to change withoutfurther notice. This offer will end on July 31, 2019315 UNIVERSITY DR.662.324.0001BANKCOM.COMSTARKVILLEFDIGE Bank of 'Commerce BANKING MADE PERSONAL USE YOUR HOME'S EQUITY TO REACH YOUR GOALS WITH .99% APR FOR 6 MONTHS.* Lines of credit up to 90% of your home's current appraised value on 1st mortgage, up to 85% on 2nd mortgage (minus mortgage balance) No closing costs regardless of who holds your 1st or 2nd mortgage 15-year term with maximum credit line of $250, 000 and min imum of $10,000 "Introductory rate is .99 % for 6 months. On the 7th month, the rate is variable and equal to the Wal Street Journal prime rate, which corresponds to a 5.50 % to 6.25 % APR. Your APR will never exceed 21% or be less than 3.25% after the introductory term. Bank of Commerce will pay closing cost. Other terms and conditions apply Property and flood insurance is required when necessary. This product is available to new HELOC applicants only. Loans are subject to credit policies and approval. Rate, terms and conditions are subject to change without further notice. This offer will end on July 31, 2019 315 UNIVERSITY DR. 662.324.0001 BANKCOM.COM STARKVILLE FDIGE

Date: July 28, 2019

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Bank of Commerce

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Bank of 'Commerce BANKING MADE PERSONAL USE YOUR HOME'S EQUITY TO REACH YOUR GOALS WITH .99% APR FOR 6 MONTHS.* Lines of credit up to 90% of your home's current appraised value on 1st mortgage, up to 85% on 2nd mortgage (minus mortgage balance) No closing costs regardless of who holds your 1st or 2nd mortgage 15-year term with maximum credit line of $250, 000 and min imum of $10,000 "Introductory rate is .99 % for 6 months. On the 7th month, the rate is variable and equal to the Wal Street Journal prime rate, which corresponds to a 5.50 % to 6.25 % APR. Your APR will never exceed 21% or be less than 3.25% after the introductory term. Bank of Commerce will pay closing cost. Other terms and conditions apply Property and flood insurance is required when necessary. This product is available to new HELOC applicants only. Loans are subject to credit policies and approval. Rate, terms and conditions are subject to change without further notice. This offer will end on July 31, 2019 315 UNIVERSITY DR. 662.324.0001 BANKCOM.COM STARKVILLE FDIGE Bank of 'Commerce BANKING MADE PERSONAL USE YOUR HOME'S EQUITY TO REACH YOUR GOALS WITH .99% APR FOR 6 MONTHS.* Lines of credit up to 90% of your home's current appraised value on 1st mortgage, up to 85% on 2nd mortgage (minus mortgage balance) No closing costs regardless of who holds your 1st or 2nd mortgage 15-year term with maximum credit line of $250, 000 and min imum of $10,000 "Introductory rate is .99 % for 6 months. On the 7th month, the rate is variable and equal to the Wal Street Journal prime rate, which corresponds to a 5.50 % to 6.25 % APR. Your APR will never exceed 21% or be less than 3.25% after the introductory term. Bank of Commerce will pay closing cost. Other terms and conditions apply Property and flood insurance is required when necessary. This product is available to new HELOC applicants only. Loans are subject to credit policies and approval. Rate, terms and conditions are subject to change without further notice. This offer will end on July 31, 2019 315 UNIVERSITY DR. 662.324.0001 BANKCOM.COM STARKVILLE FDIGE

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