* The introductory Annual Percentage Rate (APR) of .99% is available on a new Home Equity Line of Credit for 90 days (not applicable for new WesBanco FlexLines that are paying off an existing WesBanco loan or line). After 90 days, the APR during the draw period will vary based on Wall Street Journal Prime Rate plus or minus a margin and may change monthly (currently the APR is as low as 3.99%). The margin is based on the home’s loan-to-value (LTV) ratio, line amount and borrower credit score. The post introductory rate quoted is available as of 4/01/2017 and is based on current WSJ Prime of 4.25% minus .01% on lines with LTV of 80% or less, a credit score of 740+, and a minimum line of $50,000; includes a discount of .25% for optional automatic payment from a WesBanco checking account. Maximum APR: 18%. Origination fee of $150 may apply. Annual participation Fee of $50.00 may apply. Late Fee & Over the limit Fee: Maximum amount provided for by governing state law. Prepayment of all or a portion of principal may be made at any time; however, if you prepay the loan within three (3) years of the date of the Agreement, the Bank shall charge a prepayment penalty equal to the lesser of 1% of the original principal amount of the loan or $350.00. Prepayment penalty waived if refinancing with WesBanco and not applicable in Pennsylvania. Property insurance is required on the property securing a WesBanco Home Equity Line. Minimum amount financed - $5,000. Offer can be changed at any time without prior notice. All loans subject to credit approval.