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“Our team is here to help you understand what accounts or lending options are best for your needs. Get started today and we’ll have one of our bankers reach out to move your forward with your goals. Get Started Routing #: 091913180 Contact Us Locations Download Mobile App Deposit Insurance Coverage Open An Account Terms & Conditions Privacy Policy Sitemap © 2026 PrinsBank. All Rights Reserved Equal Housing Lender”

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“Competitive rates for the purchase, refinance, or construction of commercial properties”

“Request Info Details Competitive rates for the purchase, refinance, or construction of commercial properties Available for owner-occupied or investment properties Repayment terms customized to fit your business's unique needs Lending professionals with working knowledge of the local real estate market Quick, local Arkansas decision-making and processing Detailed, attentive service from start to finish Request Info Mobile Banking Our mobile services turn your smartphone or tablet into a personal branch. Commercial Insurance Ensure your business is ready for anything with affordable coverage. Privacy Policy Online Security Mobile Privacy Policy Phishing Scams Terms of Use Routing Number: 082901790 Lost or Stolen Card Funds Availability Policy AudioEye Accessibility Kasasa Statement Cycle CRA Public File Equal Opportunity for All Contact Us 479-667-4136 © 2026 Priority Bank | Portions Copyright © Kasasa, Ltd. All rights reserved.”

“Commercial Construction Loans”

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“Protective deploys roughly $1.5 billion annually on commercial real estate debt. A high-level outline of our lending criteria and terms are below: Loan size: $3 million to $50 million (per asset) Loan to value: Up to 75% Debt service coverage ratio: 1.20x minimum (on a 25-year basis) Term: Balloon loan terms range from 3 to 15 years and fully amortizing loan terms range from 10 to 25 years Pricing: Fixed coupon at spread over Treasuries (locked at application) Amortization: Up to 30 years Interest only: Available Forward rate lock: Available (up to 12 months with a rate premium or fee)”

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“Protective focuses principally on property types within these segments: Multi-family properties Projects in this category focus on high quality, multi-family dwellings. Properties should have a stable operating history and experienced management. Industrial warehouse or distribution properties We finance properties with long-term leases to credit tenants or owner-occupants. Preference is shown to concrete tilt-up, minimum 28 foot ceiling heights and 15% or less office finish in industrial park locations or well situated from a geographic perspective. Grocery-anchored retail centers The focus is on retail centers anchored by a regional or national grocer on a long-term lease. Freestanding single-tenant Protective has a strong focus on properties with long-term leases to credit tenants. Medical office buildings Protective looks for properties that are doctor-owned with a loan and/or lease guaranty or properties with a long-term lease to a credit tenant. Preference is shown to properties in close proximity to a hospital campus. Seniors housing Stabilized, private-pay properties in the independent, assisted living and/or memory care sector with an emphasis on the sponsor.”

“Log In Make a Payment Start a Claim © Protective Life Corporation, Birmingham, AL All Rights Reserved Terms of Use Privacy Policy Accessibility When you visit Protective's websites, we may collect personal information from you via your browser or device, or through the use of cookies, analytics tools, and other technologies. You can exercise your privacy choices by completing a “ Do not sell my personal information ” request or a “ Limit the use of my sensitive personal information ” request. Please visit our Privacy Policy for more information about our information practices, including information about your privacy choices. Protective ® is a registered trademark of Protective Life Insurance Company. The Protective trademarks logos and service marks are property of Protective and are protected by copyright, trademark, and/or other proprietary rights and laws. Protective and Protective Life refer to Protective Life Insurance Company (PLICO) and its affiliates, including Protective Life and Annuity Insurance Company (PLAIC). PLICO, founded in 1907, is located in Omaha, NE, and is licensed in all states excluding New York. PLAIC is located in Birmingham, AL, and is licensed in New York. Product availability and features may vary by state. Each company is solely responsible for the financial obligations accruing under the products it issues. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Securities offered by Investment Distributors, Inc. (IDI) the principal underwriter for registered products issued by PLICO and PLAIC, its affiliates. IDI is located in Birmingham, Alabama. Insurance and Annuities are: Not a Deposit | Not Insured by any Federal Government Agency | Have no Bank or Credit Union Guarantee | Not FDIC/NCUA Insured | May Lose Value”

“Protective specializes in making real estate loans secured by high-quality commercial real estate assets to best-in-class sponsors across core property types. This includes multi-family properties, industrial warehouse or distribution properties, grocery-anchored retail centers, single-tenant credit industrial properties, medical office buildings and seniors housing properties.”

“Protective originates and manages commercial real estate investments with a focus on stabilized, fixed rate assets and a portfolio in excess of $10 billion. All investments are made as part of Protective's overall investment strategy. Protective's experienced team works with commercial real estate developers and investors across the United States to provide financing solutions for their real estate investments through its extensive correspondent network.”

“Many affordable housing project financing requests are subject to availability and an award of volume cap allocation from the state in which the proposed project is located. PFA will assist potential borrowers in this effort when necessary.”

“PFA understands the challenge of ensuring tenant income and rent compliance required to maintain the tax-exempt bond and tax credit eligibility. To assist affordable housing borrowers, PFA provides access to HCS housing compliance software to ensure tenant eligibility and streamline the ongoing reporting requirements associated with multifamily housing compliance.”

“Developers who agree to set aside a portion of a financed project’s units for low or very low income tenants are eligible for tax-exempt financing. A minimum of 20% of the units must be set aside for individuals earning no more than 50% of the area median income. Alternatively, developers have the option of providing 40% of the units to individuals at or below 60% of the area median income.”

“A qualified developer can finance a project at a lower interest rate than available through conventional financing because the interest paid to bondholders is exempt from federal income tax. In addition, the use of tax-exempt bonds also facilitates eligibility for the federal government’s 4% Low Income Housing Tax Credit Program.”

“Can roll into permanent mortgage at end of construction”

“Interest-only payments during construction”

“Commercial Real Estate Loans”

“You have questions. We have answers. See below for a list of our most frequently asked questions about our commercial real estate loans. What types of commercial loans do you offer? We offer commercial loans for Investment Property (1-4 Family) that you purchase in your name. Disclaimer 26. Investment Real Estate We offer commercial loans for Investment Property (1-4 Family) that you purchase in your name. Rates, terms, and conditions are subject to change and may vary based on creditworthiness and qualifications. Payments based upon a $125,000 purchase price with 20% down, loan amount of $100,000. Taxes and insurance premiums are not included in the payment. The actual payment obligation may be greater. 5/1 Adjustable-Rate Mortgages (ARM) offer a fixed rate for the first five years of the loan and may vary every year after the fixed period. Example: For a $100,000 loan at 5.674% APR, the first 60 payments are $567.16, with 12 payments at $698.53 if the rate were to adjust to 7.697%, 12 payments at $840.12 if the rate were to adjust to 9.724%, 12 payments at $989.53 if the rate were to adjust to 11.754%. The maximum lifetime cap is 6%. 10/1 Adjustable-Rate Mortgages (ARM) offer a fixed rate for the first ten years of the loan and may vary every year after the fixed period. Example: For a $100,000 loan at 5.937% APR, the first 120 payments are $583.57, with 12 payments at $716.41 if the rate were to adjust to 7.961%, 12 payments at $859.15 if the rate were to adjust to 9.988%, 12 payments at $1,009.41 if the rate were to adjust to 12.018%. The maximum lifetime cap is 6%. Loans are subject to credit approval. Restrictions may apply.”

“Our loan solutions are built to help you succeed — with terms and rates tailored to your project and budget.”

“At R.I.A. Federal Credit Union, we’re here to help you make the most of your real estate investments. Whether you’re purchasing your first single-family rental or adding to your portfolio of multi-tenant properties, our commercial real estate loans are designed with your goals in mind.”