8 MONSTER MASH TRICK-OR-TREAT STOP Oct. 31 : The event’s Halloween festivities include games, crafts and a costume contest. 5-8 p.m. The Recreation Center at Rob Fleming Park 6464 Creekside Forest Drive, The Woodlands www.thewoodlandstownship-tx.gov ★ O K F
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7 FAMILY PUMPKIN CARVING Oct. 30 : Members of the community can join Christ Church United Methodist for pumpkin carving and pizza. Donations are encouraged to help cover costs. 6-7:30 p.m. Christ Church United Methodist 6363 Research Forest Drive, The Wood- lands 936-273-2030 www.cc-um.org ★ O K costumes and gather treats frommore than 30 The Woodlands-area vendors. Carnival games, crafts and a costume contest are available. 2-6 p.m. Northshore Park 2505 Lake Woodlands Drive, The Woodlands. 281-210-3800 www.thewoodlandstownship-tx.gov/ trickortreattrail ★ O K F 6 TRICK-OR-TREAT TRAIL Oct. 26 : Children can grab their
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9 CHILDREN’S MUSEUM SPOOKTACULAR Oct. 31 : The Woodlands Children’s Museum hosts a day of activities. Games, entertainment and prizes will be offered. 10 a.m.-6 p.m. $4 (members), $10 (non-members), free (children under age 1) The Woodlands Children’s Museum 4775 W. Panther Creek Drive, Ste. 280, The Woodlands 281-465-0955 www.woodlandschildrensmuseum.org K
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Dream it. Do it.
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Fixed-RateChoice Home Equity Line Of Credit*
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2.75 Forthefirst 12months Special fixed rate of APR % 1
Variable rate of
After introductoryperiod 4.75 APR % 2 As lowas
Meet the community bank, reinvented
$0 Closing Costs 3
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$0 Origination fee
Estefania Chavez Assistant Sales and Service Manager NMLS ID # 1192116
The Woodlands Banking Center 1735 Research Forest Drive Shenandoah, Texas 77380
Apply online at amerantbank.com/heloc or call us at 281-520-3002
OfferonlyappliestonewFixedRateChoiceHELOC. HomeequityproductsofferedbyAmerantBank,N.A.areonlyavailableforproperty located inFloridaandTexasandaresubjecttocreditandpropertyapproval.ApplicantsmustbeU.S.citizensorresidentaliensandhaveavalid Social SecurityNumberorTax Identification Number. Property insurance is required; ifthe collateral is determinedto be in an area having specialflood hazards,flood insurancewill be required aswell.Texas homestead properties are limitedto 80% combined loantofairmarket valueforhome equityfinancing.Amerant Home EquityLines ofCredit (HELOCs)featurevariable rates based onthe Prime Rate, as published inthe Wall Street Journal (5.25% as of07/31/2019), plus a margin. AmerantHELOCshavea10-yeardrawperiodduringwhichadvancesmaybemade,followedbya10or20yearrepaymenttermduringwhichthe line isno longeraccessibleandminimummonthlypaymentsfullyamortizetheoutstandingbalanceonthe line.Rates,programterms and conditions are subject to change without notice. For more information on home equity products, referto “WhatYou Should Know about Home Equity Lines of Credit,” a consumer information booklet prepared bythe Consumer Financial Protection Bureau. Consult yourtax advisorconcerning interest deductibility. *Fixed-RateChoiceFeature:WiththeFixedRateChoiceHomeEquityLineofCredit (FRC-HELOC),usingtheFixedRateLoanOption (FRLO)duringthedrawperiodBorrowerscanconvertoutstandingvariable interestratebalancestofixedrate loanswithtermsof1,3,5,7or10years, providedthefixed rateterm does not extend beyondthe expiration ofthe drawperiod, resulting infixed monthlypayments on such balance at afixed interest amortized overthe selectedterm.The minimum FRLO amount is $1,000 in Florida and $4,000 inTexas. No morethan 5 FRLOs maybe outstanding at onetime. 1 Introductoryfixed rate of 2.75% Annual percentage rate (APR) shown applies only during the first 12 months to advances made at closing from a new FRC-HELOC and converted to a FRLO with a 1-year repayment term at account opening, up to a maximum of $50,000. Offer cannotbecombinedwithanyotherofferordiscount.Thereafter,rate isvariableandbasedonthePrimeRatepublished intheWallStreet Journal (5.25%asof07/31/2019),plusamargin.PaymentexampleforaFRLOof$25,000at2.75%willhaveapaymentofprincipaland interest ofapproximately$2,114.50 permonthfor12 months. 2 ThisAPR isbasedona10-yearrepaymenttermand reflects (1)an“auto-pay”discountof0.25%forAmerantBankcheckingaccountcustomersand (2)an“initialdraw”discountof0.25%formakinga$50,000minimum initialdrawatclosingandmaintainingthatbalancethrough the first 3 billing cycles. To qualify forthe “auto-pay” discount, payments must be made via automatic payment from a Amerant Bank checking account which must be open and funded priorto closing. The discount may be terminated upon closure of the qualifying checking account.YourAPRmayvarybased on credit history, propertytype, occupancy, lien position, line amount and otherfactors.At notimewilltheAPR exceed 18%.All otheradvanceswill be subjecttothevariable rateAPR accordingtotheterms ofthe account agreement. Discounts are subjectto change at anytime and cannot be combinedwith anyotherofferordiscount. Proceedsfrom advances made at closing cannot be usedto payoffexistingAmerant loan balances. The minimum line amount is $25,000. Certain eligibilityrequirements and restrictions applyfor lines greaterthan $1,000,000. 3 Amerantwillpayallclosingcostsforlinesof$250,000orless,andupto$2,500forlinesgreaterthan$250,000 ($500forTexashomesteadproperties).A$75annualfee ischargedonthefirstanniversaryoftheaccountandeveryyearthereafter(noannualfeeforTexashomestead properties). IfyourHELOC is closedwithin 24 months ofaccount opening, a $500 earlyclosurefeewill be chargedtothe line (not applicabletoTexas homestead properties). Initial escrow-relatedfunding costs mayapply.
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The Woodlands edition • September 2019
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