consumer loan products ** *

Certain restrictions apply, rates are subject to change without notice. Equal Housing Lender - Member FDIC - International Bancshares CorporationInternational Bank of Commerce NMLS #421821

Ph (512) 320 - 9501

Max CLTV Loan Amount Credit Score Rate80% $10,000 - $250,000 700+ 4.990%

Term Rate Term Rate 90% $10,000 - $200,000 700+ 5.250%5-Yr 5.000% 5-Yr 5.375% 90% $10,000 - $75,000 680-699 5.990%

10-Yr 5.250% 10-Yr 5.625% 95% $10,000 - $75,000 700+ 5.990%15-Yr 5.250% 15-Yr 5.625% 95% $10,000 - $50,000 690-699 6.990%20-Yr 5.500% 20-Yr 5.875%

Term Rate Term Rate5-Yr 5.000% 5-Yr 5.375%

10-Yr 5.250% 10-Yr 5.625% Credit15-Yr 5.250% 15-Yr 5.625% Flood20-Yr 5.500% 20-Yr 5.875% VOE

Title SearchRecordingClosingAppraisal FeeTax Cert

Notes:

Credit Report, Appraisal, and Title Policy fees not included in this offer.

Additional requirements apply, please review Quick Reference Guidelines on following page.

Applies to all Home Equity & Home Improvement Loan Types Only:

FICO 700+ No Adjustment

Home Improvement Loans*1st Lien 2nd Lien

+0.50%FICO 660 - 679 +0.75%FICO 620 - 659 +1.25%

FICO 680 - 699

**

*

Closing Fee Estimates

$300 + $100 Doc Prep for 2nd Lien Refinance

Title Policy Varies (applicable to lot loans and all products with LA > $250K)

Origination Fees

$15.80

$15 (if applicable)

$34.08

Max LTV = 50% Max CLTV = 80%

1st Lien 2nd LienHome Equity Fixed Rates*

Max LTV = 80% Max CLTV = 80%Credit Score 620+ Credit Score 660+

Closing Costs Paid by IBC**Rate Sheet Adjustments below apply

Home Equity Line of Credit*1st Lien 2nd Lien

Credit Score 620+ Credit Score 660+

Max LTV/CLTV = 90%

Credit Score 620+ Credit Score 680+

$15,000 - $200,000$15,000 - $500,000

Floor Rate = 4.25%Floor Rate = 4.25%

Repayment Period = 180 MonthsDraw Period = 60 months

NYP + 1%NYP

Closing Costs Paid by IBC**

15-Yr Fixed Term Rates

Fees Paid by Borrower, see Closing Fee Estimates

Lot Loans*

Loan AmountCredit Score 640+ Required

2nd Lien Refi + Owetly Adjustments to Rate

0.750%0.500%0.250%-0.25%

Condo ≤ 95% CLTVCondo ≤ 90% CLTV

10-Yr Term

2nd Lien Only/Owelty Refinance*

6.500%6.750%7.000%

Fees Paid by Borrower, see Closing Fee Estimates

IBC Mortgage8998 Research Blvd. Austin, TX 78758

TXConsumerMortgageReferrals@ibc.comFax (512) 338-3946

Max LTV

20-Yr Term

Consumer Loan Products

Effective: 2/05/2018

The material herein is informational in nature and is intended for IBC internal use or distribution to business entities only. It is not intended for distribution or use by consumers.

Rate5-Year Fixed

10-Year Fixed15-Year Fixed

$5,000 - $250,000$250,001 - $500,000

$500,001 - $999,9999$1,000,000 +

TERM

75%

Applies to Home Equity 1st Lien and Lot Loans:***Foreign National +1.00% *** Home Equity 1st Lien and Lot Loans are only products

available to a Foreign National

Rate Sheet Adjustments

Criteria Adjustment to Rate

70%65%60%

$175 + $225 Doc Prep for Home Improvement, or 1% + $150 Doc Prep for Lot Loans, or

$95.00

$9.00

$500 (if applicable)$200 Purchase / $250 Refinance$120 - $140

Fees Paid by Borrower, see Closing Fee Estimates

Credit card authorization required for title search, flood cert, credit report, and appraisal fees prior to ordering.

Refer to U/W GLs for LTV, Loan Amount & FICO Restrictions

Loan Amounts $10,000 - $200,000

Rate Sheet Adjustments below apply

Texas >80% LTV Restricted to $150,000 Max

Certain restrictions apply, rates are subject to change without notice. Equal Housing Lender - Member FDIC - International Bancshares CorporationInternational Bank of Commerce NMLS #421821

Escrows accounts are required on all first lien products for property taxes, homeowners insurance, and flood insurance (if required); however an escrow waiver may be approved on a primary residence with an LTV of 80% or less if the borrower has 6 months PITI payments in liquid

assets (HPML's will always require escrows).

1st Lien Home Equity Fixed Loans > $100,000 may be referred to another mortgage lending division within IBC.

Rates are subject to change at any time without notice and may be higher or lower than the rate currently advertised, not to exceed an annual percentage rate of 18%. This variable rate is based on the value of an index, plus or minus a margin. The index is the highest rate on corporate loans posted by at least 75% of the USA's thirty largest banks known as the New York Prime Rate and is published by J.P. Morgan Chase & Co.,

New York, New York. As of March 16th 2017, the index was 4.00%. This offer is available only on new home equity lines. Purposes and amounts of credit lines may be restricted by state law and IBC credit policy. Borrower is required to pay for title insurance when loan amount

exceeds $250,000.00.

Cash-out refinances now available up to 75% LTV and $250,000 loan amount. Maximum 65% LTV for raw land or rural property up to 10 acres. Additional restrictions apply to foreign nationals. Borrower is required to pay for 3rd party appraisal and title policy for purchase transaction

only. Tax valuations and title searches may be used for cash-out refinances.

The material herein is informational in nature and is intended for IBC internal use or distribution to business entities only.It is not intended for distribution or use by consumers. Guidelines provided for reference only, and do not guarantee approval.

Appraisal Policy

Escrow Policy

Oklahoma Only: Maximum CLTV for 1st and 2nd Lien HELOC's is 90%. Additional State specific guidelines may apply.

Fax (512) 338-3946

Work cannot begin and materials cannot be delivered until the loan has funded. The improvement amount cannot exceed 35% of the "as is" property value when in 2nd lien position.

All appraisal fees paid by the borrower.

Home Equity Fixed Rates*

1st or 2nd Lien Home Improvement Loans*

Home Equity Line of Credit*

If the LTV is equal to or less than 70%, an AVM and Property Inspection Report will be required; if the confidence level of the AVM is less than 85%, the AVM will be upgraded to a Desktop Appraisal Report; If the LTV is greater than 70%, a Desktop Appraisal with Property Inspection

Report will be required; A full interior/exterior appraisal (Form 1004/1073) from a State licensed appraiser will be required for all loan requests equal to or in excess of $150,000; Valuation fee will be collected upfront once the Intent to Proceed has been signed; All reports will

be ordered by the Jr. Processor; If a loan requires DGU insurance, the appraisal expiration requirement will follow DGU instead of IBC; For recent acquisitions, appraisal requirements still apply.

Lot Loans*

Fax (512) 676-4688 Fax (956) 688-3623Fax (512) 338-3924

Ph (512)320-9501 / Fax (512)338-3946

Ph (512) 676-4658

IBC Mortgage8998 Research Blvd. Austin, TX 78758

ConsumerMortgageReferralsAustin@ibc.com

Mmendez@ibc.comPh (512) 676-4687

Consumer Quick Reference Guidelines

Mortgage Loan Consultants

Ph (956) 688-3617

Aaron Barnhart - NMLS 1095633 Maria Mendez - NMLS 1643685Jo Cranshaw - NMLS 514678AaronBarnhart@ibc.com

Ph (512) 320-9512JoCranshaw@ibc.com

Anita Surdel - NMLS 1070852AnitaSurdel@ibc.com