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How to Explain the ARC Prepayment Provision (1)
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.ss-bar__label{font-size:9px;margin-top:1px} } .ss-rail__greet{font-size:13px;font-weight:600;color:#002D72;padding:10px 12px 2px;letter-spacing:-.2px} </style> <!-- PIP --> <div class="ss-pip" id="ssPip"> <div role="button" class="ss-pip__act" id="pipSave" title="Save this page"> <svg viewBox="0 0 24 24" fill="none" stroke="#002D72" stroke-width="1.8"><path d="M19 21l-7-5-7 5V5a2 2 0 0 1 2-2h10a2 2 0 0 1 2 2z"/></svg> </div> <div role="button" class="ss-pip__act" id="pipShare" title="Share this page"> <svg viewBox="0 0 24 24" fill="none" stroke="#0960BB" stroke-width="1.8"><circle cx="18" cy="5" r="3"/><circle cx="6" cy="12" r="3"/><circle cx="18" cy="19" r="3"/><line x1="8.59" y1="13.51" x2="15.42" y2="17.49"/><line x1="15.41" y1="6.51" x2="8.59" y2="10.49"/></svg> </div> <div role="button" class="ss-pip__main" id="pipOpen" title="Open toolbar"> <svg viewBox="0 0 24 24" fill="none" stroke="#fff" stroke-width="1.6"><rect x="3" y="3" width="7" height="7"/><rect x="14" y="3" width="7" height="7"/><rect x="3" y="14" width="7" height="7"/><rect x="14" y="14" width="7" height="7"/></svg> <span class="ss-pip__badge" id="pipBadge" style="display:none"></span> </div> </div> <!-- RAIL --> <div class="ss-rail" id="ssRail"> <div class="ss-rail__card"> <div class="ss-rail__actions" id="railActions" style="display:none"> <div role="button" class="ss-rail__action" id="railSave"> <svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.8"><path d="M19 21l-7-5-7 5V5a2 2 0 0 1 2-2h10a2 2 0 0 1 2 2z"/></svg> <span id="railSaveTxt">Save</span> </div> <div role="button" class="ss-rail__action" id="railShare"> <svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.8"><circle cx="18" cy="5" r="3"/><circle cx="6" cy="12" r="3"/><circle cx="18" cy="19" r="3"/><line x1="8.59" y1="13.51" x2="15.42" y2="17.49"/><line x1="15.41" y1="6.51" x2="8.59" y2="10.49"/></svg> Share </div> </div> <div class="ss-rail__greet" id="railGreet" style="display:none"></div> <div class="ss-bar"> <div role="button" class="ss-bar__btn" data-action="mystuff"> <div class="ss-bar__icon"><svg viewBox="0 0 24 24" fill="none" stroke="#fff" stroke-width="1.6"><circle cx="12" cy="12" r="10"/><polyline points="12 6 12 12 16 14"/></svg></div> <span class="ss-bar__label">My Stuff</span> </div> <div role="button" class="ss-bar__btn" data-action="signup"> <div class="ss-bar__icon"><svg viewBox="0 0 24 24" fill="none" stroke="#fff" stroke-width="1.6"><path d="M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2"/><circle cx="9" cy="7" r="4"/><line x1="19" y1="8" x2="19" y2="14"/><line x1="22" y1="11" x2="16" y2="11"/></svg></div> <span class="ss-bar__label">Sign Up</span> </div> <div role="button" class="ss-bar__btn" data-action="blog"> <div class="ss-bar__icon"><svg viewBox="0 0 24 24" fill="none" stroke="#fff" stroke-width="1.6"><path d="M12 20h9"/><path d="M16.5 3.5a2.12 2.12 0 0 1 3 3L7 19l-4 1 1-4Z"/></svg></div> <span class="ss-bar__label">Blog</span> </div> <div role="button" class="ss-bar__btn" data-action="podcast"> <div class="ss-bar__icon"><svg viewBox="0 0 24 24" fill="none" stroke="#fff" stroke-width="1.6"><path d="M12 1a3 3 0 0 0-3 3v8a3 3 0 0 0 6 0V4a3 3 0 0 0-3-3z"/><path d="M19 10v2a7 7 0 0 1-14 0v-2"/><line x1="12" y1="19" x2="12" y2="23"/><line x1="8" y1="23" x2="16" y2="23"/></svg></div> <span class="ss-bar__label">Podcast</span> </div> <div role="button" class="ss-bar__btn" data-action="events"> <div class="ss-bar__icon"><svg viewBox="0 0 24 24" fill="none" stroke="#fff" stroke-width="1.6"><rect x="3" y="4" width="18" height="18" rx="2"/><line x1="16" y1="2" x2="16" y2="6"/><line x1="8" y1="2" x2="8" y2="6"/><line x1="3" y1="10" x2="21" y2="10"/></svg></div> <span class="ss-bar__label">Events</span> </div> </div> <div class="ss-rail__row"> <div role="button" class="ss-rail__min" id="railMin" title="Minimize"> <svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><polyline points="9 6 15 12 9 18"/></svg> </div> <div class="ss-rail__brand">Powered by <a href="https://services.southstatecorrespondent.com/?utm_source=site_notification&utm_medium=commandbar&utm_campaign=commandhq_brand" target="_blank" rel="noopener">CommandHQ</a></div> </div> </div> </div> <!-- SIGNUP PANEL --> <div class="ss-signup" id="ssSignup"> <div class="ss-signup__card"> <div role="button" class="ss-signup__close" id="signupClose" aria-label="Close"> <svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round"><line x1="18" y1="6" x2="6" y2="18"/><line x1="6" y1="6" x2="18" y2="18"/></svg> </div> <div class="ss-signup__opt" id="optHQ"> <div style="flex:1;min-width:0"> <div class="ss-signup__name">CommandHQ</div> <div class="ss-signup__desc">Data, insights, and tools for community bankers.</div> </div> <svg class="ss-signup__arrow" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><polyline points="9 18 15 12 9 6"/></svg> </div> <div class="ss-signup__opt" id="optB2B"> <div style="flex:1;min-width:0"> <div class="ss-signup__name">Banker to Banker</div> <div class="ss-signup__desc">Articles and strategies delivered to your inbox.</div> </div> <svg class="ss-signup__arrow" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><polyline points="9 18 15 12 9 6"/></svg> </div> </div> </div> <!-- MY STUFF PANEL --> <div class="ss-stuff" id="ssStuff"> <div class="ss-stuff__card"> <div role="button" class="ss-stuff__close" id="stuffClose" aria-label="Close"> <svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round"><line x1="18" y1="6" x2="6" y2="18"/><line x1="6" y1="6" x2="18" y2="18"/></svg> </div> <div id="stuffBody"></div> </div> </div> <script> (function(){ 'use strict';var $=document,LS=localStorage,SS=sessionStorage;function CE(t){return $.createElement(t)}function GI(id){return $.getElementById(id)}function 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'xxxxxxxx-xxxx-4xxx-yxxx-xxxxxxxxxxxx'.replace(/[xy]/g,function(c){var r=Math.random()*16|0;return(c==='x'?r:(r&0x3|0x8)).toString(16)}); try{LS.setItem('ss_did',DEVICE_ID)}catch(e){} document.cookie='ss_did='+DEVICE_ID+';path=/;max-age=34560000;SameSite=Lax'; } // Refresh cookie/LS on every page load to keep alive if(DEVICE_ID){document.cookie='ss_did='+DEVICE_ID+';path=/;max-age=34560000;SameSite=Lax';} if(DEVICE_ID&&!LS.getItem('ss_did'))try{LS.setItem('ss_did',DEVICE_ID)}catch(e){} // ── ANONYMOUS VISITOR ID — generate on first visit, persist forever ── function genAnonId(){var d=new Date();var prefix=String(d.getFullYear()).slice(2)+String(d.getMonth()+1).padStart(2,'0');for(var s='',i=0;i<8;i++)s+='0123456789abcdef'[Math.floor(Math.random()*16)];return prefix+s;} var ANON_ID=getCookie('ss_anon')||LS.getItem('ss_anon')||''; if(!ANON_ID){ANON_ID=genAnonId();try{LS.setItem('ss_anon',ANON_ID)}catch(e){};document.cookie='ss_anon='+ANON_ID+';path=/;max-age=34560000;SameSite=Lax';} 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did + timestamp ── function si(cat,act,lbl){try{if(typeof _sz!=='undefined'){var d=new Date();var ts=''+d.getFullYear()+String(d.getMonth()+1).padStart(2,'0')+String(d.getDate()).padStart(2,'0')+String(d.getHours()).padStart(2,'0')+String(d.getMinutes()).padStart(2,'0');var idPart='anon:'+ANON_ID;if(SFC_ID)idPart+=' | sfc:'+SFC_ID;_sz.push(['event',cat,act,lbl+' | '+idPart+' | ts:'+ts])}}catch(e){}} // ── FORM CAPTURE — scan any form for name/email ── // Formstack intercepts native submit events, so we use three strategies: // 1. 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Native submit event as fallback for non-Formstack forms (function(){ var captured=false; var lastFormData=null; function fieldVal(form,patterns,type){ var inputs=form.querySelectorAll('input,select,textarea'); for(var i=0;i<inputs.length;i++){ var el=inputs[i]; var t=(el.type||'').toLowerCase(); if(t==='hidden'||t==='password')continue; // Build a searchable string from all possible label sources var n=((el.name||'')+'|'+(el.id||'')+'|'+(el.getAttribute('aria-label')||'')+'|'+(el.getAttribute('placeholder')||'')+'|'+(el.getAttribute('fslabel')||'')+'|'+(el.getAttribute('label')||'')).toLowerCase(); // Also check for a <label> element pointing to this input if(el.id){var lbl=form.querySelector('label[for="'+el.id+'"]');if(lbl)n+='|'+(lbl.textContent||'').toLowerCase();} // Also check parent/sibling label text (Formstack wraps inputs in labeled divs) var parent=el.closest('.fsRow,.fsCell,.fsFieldCell,.fs-field'); if(parent){var pLabel=parent.querySelector('.fslabel,.fsLabel,.fsLabelVertical,.fs-label,label');if(pLabel)n+='|'+(pLabel.textContent||'').toLowerCase();} if(type&&t===type)return(el.value||'').trim(); for(var j=0;j<patterns.length;j++){if(n.indexOf(patterns[j])>-1)return(el.value||'').trim();} } return ''; } function snapshotForm(form){ var email=fieldVal(form,['email'],'email'); var fname=fieldVal(form,['first','fname','given'],null); var lname=fieldVal(form,['last','lname','surname','family'],null); if(!fname&&!lname){ var fullName=fieldVal(form,['name'],null); if(fullName&&fullName.indexOf(' ')>-1){ var parts=fullName.split(/\s+/); fname=parts[0];lname=parts.slice(1).join(' '); }else if(fullName){fname=fullName;} } if(email||fname)lastFormData={fname:fname,lname:lname,email:email}; } function fireCapture(){ if(captured||!lastFormData)return; var d=lastFormData; if(!d.email&&!d.fname)return; captured=true; formSubmitted=true; // signal to engagement system if(d.fname)try{LS.setItem('ss_fname',d.fname)}catch(e){} if(d.lname)try{LS.setItem('ss_lname',d.lname)}catch(e){} if(d.email)try{LS.setItem('ss_email',d.email)}catch(e){} var namePart=((d.fname||'')+(d.lname?' 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} // Strategy 2: MutationObserver — watch for Formstack swapping form for confirmation if(typeof MutationObserver!=='undefined'){ var observer=new MutationObserver(function(mutations){ if(captured)return; mutations.forEach(function(m){ // Check if a form was removed (Formstack confirmation swap) for(var i=0;i<m.removedNodes.length;i++){ var n=m.removedNodes[i]; if(n.tagName==='FORM'||(n.querySelector&&n.querySelector('form'))){ fireCapture(); // use the last snapshot } } // Check if a confirmation/success message appeared for(var j=0;j<m.addedNodes.length;j++){ var a=m.addedNodes[j]; if(a.className&&typeof a.className==='string'&&(/fsSuccess|fsConfirmation|fs-success|fserror/i.test(a.className)||/thank/i.test(a.textContent||'').slice(0,50))){ fireCapture(); } } }); }); observer.observe($.body||$.documentElement,{childList:true,subtree:true}); setTimeout(function(){observer.disconnect()},120000); } // Strategy 3: Native submit as fallback $.addEventListener('submit',function(e){ if(e.target&&e.target.tagName==='FORM'){snapshotForm(e.target);setTimeout(fireCapture,300);} },true); 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si('CommandBar',ns?'Save':'Unsave',title); }); GI('railShare').addEventListener('click',function(e){ sp(e); var title=$.title.replace(/\s*[\|–—].*$/,'').trim()||'Check this out'; var shareUrl=fullUrl.split('?')[0]+'?utm_source=share&utm_medium=commandbar&utm_campaign=peer_share'; gtm('ss_share_click',{ss_share_title:title}); si('CommandBar','Share',title); if(navigator.share){navigator.share({title:title,url:shareUrl}).catch(function(){})} else if(navigator.clipboard&&navigator.clipboard.writeText){ navigator.clipboard.writeText(shareUrl).then(function(){ var btn=GI('railShare'); var orig=btn.textContent;btn.textContent=' Copied!'; setTimeout(function(){btn.textContent=orig},1500); }); } else {window.open('mailto:?subject='+encodeURIComponent(title)+'&body='+encodeURIComponent(shareUrl))} }); $.querySelectorAll('.ss-bar__btn').forEach(function(btn){ btn.addEventListener('click',function(e){ sp(e); var action=btn.getAttribute('data-action'); gtm('ss_bar_click',{ss_bar_target:action}); si('CommandBar','Click',action.charAt(0).toUpperCase()+action.slice(1)); if(action==='blog'||action==='podcast'||action==='events'){ clearIconBadge(action); wo(NAV[action]); } else if(action==='signup'){ hideRail();setTimeout(showSignup,200); } else if(action==='mystuff'){ hideRail();setTimeout(showStuff,200); } }); }); function bindSignup(){ GI('signupClose').addEventListener('click',function(e){sp(e);hideSignup();setTimeout(showRail,200)}); GI('optHQ').addEventListener('click',function(e){sp(e);gtm('ss_notif_click',{ss_notif_type:'signup_commandhq'});si('CommandBar','Click','Signup: CommandHQ');wo(PR)}); GI('optB2B').addEventListener('click',function(e){sp(e);gtm('ss_notif_click',{ss_notif_type:'signup_b2b'});si('CommandBar','Click','Signup: Banker to Banker');wo(BU)}); } var nudgeTimer=null; function checkNudge(){ var match=NS.some(function(s){return path.indexOf(s.replace(/\/+$/,''))>-1}); if(!match)return; var ct=1;try{ct=parseInt(LS.getItem('ss_nc')||'0',10)+1;LS.setItem('ss_nc',String(ct))}catch(e){} if(ct<4)return; setTimeout(fireNudge,8000); } function fireNudge(){ var panel=GI('ssSignup'); var card=panel.querySelector('.ss-signup__card'); var orig=card.innerHTML; card.innerHTML='<div role="button" class="ss-signup__close" id="nudgeClose" aria-label="Close"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round"><line x1="18" y1="6" x2="6" y2="18"/><line x1="6" y1="6" x2="18" y2="18"/></svg></div><div style="font-size:12px;font-weight:600;color:#8A9099;letter-spacing:.3px;padding:0 0 10px">You might find these useful:</div><div class="ss-signup__opt" id="nudgeLC"><div style="flex:1;min-width:0"><div class="ss-signup__name">Pricing loans by gut feel?</div><div class="ss-signup__desc">There\'s a better way. Walk through a live pricing scenario with our team.</div></div><svg class="ss-signup__arrow" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><polyline points="9 18 15 12 9 6"/></svg></div><div class="ss-signup__opt" id="nudgeARC"><div style="flex:1;min-width:0"><div class="ss-signup__name">Losing deals to fixed-rate requests?</div><div class="ss-signup__desc">See how a hedged loan works, step by step.</div></div><svg class="ss-signup__arrow" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><polyline points="9 18 15 12 9 6"/></svg></div>'; function closeNudge(){clearTimeout(nudgeTimer);panel.className='ss-signup';try{LS.setItem('ss_nc','0')}catch(e){}setTimeout(function(){card.innerHTML=orig;bindSignup()},400)} GI('nudgeClose').addEventListener('click',function(e){sp(e);closeNudge();si('CommandBar','Nudge Dismiss','Close')}); GI('nudgeLC').addEventListener('click',function(e){sp(e);gtm('ss_nudge_click',{ss_nudge_type:'loan_pricing'});si('CommandBar','Nudge Click','Loan Pricing');wo(NU.lc);closeNudge()}); GI('nudgeARC').addEventListener('click',function(e){sp(e);gtm('ss_nudge_click',{ss_nudge_type:'arc_hedging'});si('CommandBar','Nudge Click','ARC Hedging');wo(NU.arc);closeNudge()}); panel.className='ss-signup ss-signup--on'; gtm('ss_nudge_show',{});si('CommandBar','Nudge','Shown'); nudgeTimer=setTimeout(function(){closeNudge()},8000); } GI('stuffClose').addEventListener('click',function(e){sp(e);hideStuff();setTimeout(showRail,200)}); function renderStuff(){ var body=GI('stuffBody'); body.textContent=''; var saved=getSaved(); var history=getHistory().filter(function(h){try{return new URL(h.url).pathname.replace(/\/+$/,'')!==path}catch(e){return true}}); if(!saved.length&&!history.length){ var dl=CE('div');dl.className='ss-stuff__label';dl.textContent='Explore';body.appendChild(dl); var pills=CE('div');pills.className='ss-stuff__pills'; DI.forEach(function(d){ var pill=CE('div');pill.className='ss-stuff__pill'; pill.textContent=d.label; pill.addEventListener('click',function(ev){ sp(ev); gtm('ss_notif_click',{ss_notif_type:'discover',ss_notif_title:d.label}); si('CommandBar','Click','Discover: '+d.label); wo(d.url); }); pills.appendChild(pill); }); body.appendChild(pills); return; } if(saved.length){ var sl=CE('div');sl.className='ss-stuff__label';sl.textContent='Saved';body.appendChild(sl); saved.forEach(function(item){ var row=CE('div');row.className='ss-stuff__item'; var dot=CE('div');dot.className='ss-stuff__dot ss-stuff__dot--saved'; var t=CE('div');t.className='ss-stuff__title';t.textContent=item.title; var un=CE('div');un.className='ss-stuff__unsave'; un.innerHTML='<svg viewBox="0 0 24 24" fill="currentColor" stroke="currentColor" stroke-width="1.8"><path d="M19 21l-7-5-7 5V5a2 2 0 0 1 2-2h10a2 2 0 0 1 2 2z"/></svg>'; row.appendChild(dot);row.appendChild(t);row.appendChild(un);body.appendChild(row); t.addEventListener('click',function(ev){ sp(ev); si('CommandBar','Click','Saved: '+item.title); wo(item.url+'?'+U+'&utm_content=saved'); }); un.addEventListener('click',function(ev){ sp(ev); var p2;try{p2=new URL(item.url).pathname.replace(/\/+$/,'')}catch(ex){return} var sv=getSaved();sv=sv.filter(function(s){try{return new URL(s.url).pathname.replace(/\/+$/,'')!==p2}catch(ex){return true}}); saveSaved(sv);syncAllSave();renderStuff(); si('CommandBar','Unsave',item.title); }); }); } if(history.length){ var hl=CE('div'); hl.className='ss-stuff__label'+(saved.length?' ss-stuff__label--spaced':''); hl.textContent='Recently Viewed';body.appendChild(hl); var list=CE('div');body.appendChild(list); var expanded=false;var INIT=5; function buildRows(count){ list.textContent=''; history.slice(0,count).forEach(function(item){ var row=CE('div');row.className='ss-stuff__item'; var dot=CE('div');dot.className='ss-stuff__dot ss-stuff__dot--'+(item.type||'page'); var t=CE('div');t.className='ss-stuff__title';t.textContent=item.title; var tm=CE('div');tm.className='ss-stuff__time';tm.textContent=timeAgo(item.timestamp); row.appendChild(dot);row.appendChild(t);row.appendChild(tm);list.appendChild(row); row.addEventListener('click',function(ev){ sp(ev); si('CommandBar','Click','Recent: '+item.title); wo(item.url+'?'+U+'&utm_content=recent'); }); }); if(history.length>INIT){ var tog=CE('div'); tog.className='ss-stuff__toggle'+(expanded?' ss-stuff__toggle--flip':''); tog.innerHTML=(expanded?'Show less':'Show '+(history.length-INIT)+' more')+' <svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.5"><polyline points="6 9 12 15 18 9"/></svg>'; tog.addEventListener('click',function(ev){sp(ev);expanded=!expanded;buildRows(expanded?history.length:INIT)}); list.appendChild(tog); } } buildRows(INIT); } } function getGreeting(){var h=new Date().getHours();if(h<12)return'Good morning. 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