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… Frequently Asked Questions About Home Loans Have a question about mortgages with Arvest? We’ve answered some of …

… January 2014 What you should know about home equity lines of credit 2 WHAT YOU … Variable-rate plans secured by a dwelling must, by law, have a ceiling (or cap) on how much your interest rate may … choose to pay down the principal regula rly as they do with other loans. For example, if you use your line to buy …

… Rogers, Arkansas 72757‐0940    Member FDIC ARVEST BANK HOME EQUITY LINE OF CREDIT 3 YR FIXED RATE This disclosure … not a commitment to make a loan. (12/2015)   January 2014 What you should know about home equity lines of credit 2 WHAT … yearly rate. For closed- end credit, such as car loans or mortgages, the APR includes the interest rate, points, broker …

… ESTATE PURCHASES ONLY With respect to the loan for which you are applying, we intend to obtain one or more of the … with us, you are entitled to a refund of any fees that you have paid to us or anyone else in connection with your … interest in your home. You could lose your home if you do not meet the obligations in your agreement with us. 3. …

… excellent service from a community-focused bank that is committed to you, and you can count on that experience continuing as an Arvest Bank customer. After the conversion to Arvest, you will have access to additional … and click on the Ask Arvest-FAQs tab. TRANSITION Q: WHAT DO I NEED TO DO TO GET READY FOR ACCOUNT CONVERSION? A: …

… CRITICAL DETAILS ABOUT THE CONVERSION TO ARVEST BANK F R I D AY, A U G U S T 31 • Arvest debit cards and PINs will be … & Money Market 24 Online Banking with BlueIQ™ (including how to log in for the first time) 27 Mobile Banking 28 Loans … and click on the Ask Arvest-FAQs tab. TRANSITION Q: WHAT DO I NEED TO DO TO GET READY FOR ACCOUNT CONVERSION? A: Prior …

… and click on the Ask Arvest-FAQs tab. TRANSITION Q: WHAT DO I NEED TO DO TO GET READY FOR ACCOUNT CONVERSION? A: … and donating resources to make the communities we call home better for us all. 5 4 Arvest Contact Center: Toll-free … Friday, September 21 until 7:00am on Monday, September 24. MORTGAGES Q: WILL THE RATES, PAYMENT DATES OR TERMS CHANGE …

… | 1 This brochure (“Brochure”) provides information about the qualifications and business practices of the registrants … to each Registrant, except where a specific Registrant is identified or wher e the context clearly indicates that … may not be negotiated and may be more or less than what a comparable third party might charge. Goldman Sachs has …

… Electronic Fund Transfer Agreement & Disclosure The federal Electronic Fund Transfer Act (EFTA) and … request a copy. We may change such fees at any time, but if these fees change, we will provide you a notice before … and payment. In other words, your Available Balance is what we are allowing you to use and you should not rely upon …