You're focused on making moments that matter. We're focused on you. 10-year mortgage rate 2.99 %APR* Interested in refinancing your home? We'll take care of the closing costs.** FBank Call 800.296.6246, visit cffc.com, or come meet with one of our bankers and we will build a plan that is right for you. Focused on You *The APR (Annual Percentage Rate) is accurate as of 3/24/20 based on a first deed of trust ten year mortgage loan for a primary residence or vacation home. Minimum loan amount is $50.000. A representative example for a $150,000 at 2.99% APR would result in 120 monthly payments of $1,422.88. Taxes and insurance are not included. The monthly payment obligation will be greater if taxes and insurance are included, and an initial customer deposit may be required if an escrow account for the items is established. **C&F Bank will pay the following closing costs: Tax Tracking fee, Credit Report cost, Appraisal fee, Lender's Title insurance Policy, Deed of Trust recording cost, Settlement fee, and Flood Determination fee. APR is based on the assumption that the finance charge may include these closing costs. Any closing costs not listed are the borrower's responsibility. Early payoff penalties may apply. If loan is teminated within 3 years, closing costs must be reimbursed by the account holder. This loan offer is subject to change without notice and is subject to credit approval. Homeowners insurance is required. Other qualifications may be required. You shoukd consult a tax advisor for further information regarding the deductibility of interest and charges. Other terms and rates are available. Member FDIC 3.20 Citizens and Farmers Bank LENDER You're focused on making moments that matter. We're focused on you. 10-year mortgage rate 2.99 %APR* Interested in refinancing your home? We'll take care of the closing costs.** FBank Call 800.296.6246, visit cffc.com, or come meet with one of our bankers and we will build a plan that is right for you. Focused on You *The APR (Annual Percentage Rate) is accurate as of 3/24/20 based on a first deed of trust ten year mortgage loan for a primary residence or vacation home. Minimum loan amount is $50.000. A representative example for a $150,000 at 2.99% APR would result in 120 monthly payments of $1,422.88. Taxes and insurance are not included. The monthly payment obligation will be greater if taxes and insurance are included, and an initial customer deposit may be required if an escrow account for the items is established. **C&F Bank will pay the following closing costs: Tax Tracking fee, Credit Report cost, Appraisal fee, Lender's Title insurance Policy, Deed of Trust recording cost, Settlement fee, and Flood Determination fee. APR is based on the assumption that the finance charge may include these closing costs. Any closing costs not listed are the borrower's responsibility. Early payoff penalties may apply. If loan is teminated within 3 years, closing costs must be reimbursed by the account holder. This loan offer is subject to change without notice and is subject to credit approval. Homeowners insurance is required. Other qualifications may be required. You shoukd consult a tax advisor for further information regarding the deductibility of interest and charges. Other terms and rates are available. Member FDIC 3.20 Citizens and Farmers Bank LENDER