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Loan and Mortgage Rates

APR = Annual Percentage Rate.
Rates effective July 30, 2010

Rates subject to change without notice.

Unsecured Overdraft Line of Credit

Monthly payment for each $1,000 borrowed at 12.00% APR would be $18.20.
Variable rate not to exceed 18%. 12.00% APR, Variable, No Fees

Secured Home Equity Line of Credit^‡

Auto withdrawal 4.00% APR, Variable

Monthly payment for each $10,000 borrowed at 4.00% APR would be $83.00**

** Variable rate not to exceed 18%. 15 year draw period. 0.50% of principal balance plus interest on billing date or $50.00 minimum. Minimum payment may result in balloon payment at maturity.

Unsecured Personal Loan

36 month 13.50% APR, auto withdrawal^†

Monthly payment for each $1,000 borrowed at 15.00% APR for 3 years would be $34.67

Secured Loans

New Car 6.24% APR, auto withdrawal*

Monthly payment for each $1,000 borrowed at 6.24% APR for 5 years would be $19.44.
10% down required.

Used Car - 2010 & 2009-Model 6.74% APR, auto withdrawal*

Monthly payment for each $1,000 borrowed at 6.74% APR for 5 years would be $19.68.
10% down required.

Used Car - 2008 Model 6.99% APR, auto withdrawal*

Monthly payment for each $1,000 borrowed at 6.99% APR for 5 years would be $19.80.
10% down required.

Used Car - 2007-2003 Model 7.24% APR, auto withdrawal*

Monthly payment for each $1,000 borrowed at 7.24% APR for 4 years would be $24.06.
15% down required.

Home Equity Loans^‡

Home Equity — 0 to 36 months 5.74% APR, auto withdrawal*

Monthly payment for each $1,000 borrowed at 5.74% APR for 3 years would be $30.30.
15 % down required.

Home Equity — 37 to 60 months 5.99% APR, auto withdrawal*

Monthly payment for each $1,000 borrowed at 5.99% APR for 5 years would be $19.33.
15 % down required.

Home Equity — 61 to 84 months 6.24% APR, auto withdrawal*

Monthly payment for each $1,000 borrowed at 6.24% APR for 5 years would be $14.72.
15 % down required.

Home Equity — 85 to 120 months 6.49% APR, auto withdrawal*

Monthly payment for each $1,000 borrowed at 6.49% APR for 10 years would be $11.35.
15% down required.

Home Equity — 121 to 180 months 6.74% APR, auto withdrawal*

Monthly payment for each $1,000 borrowed at 6.74% APR for 15 years would be $8.84.
15% down required.

Home Equity — 181 to 240 months 6.74% APR, auto withdrawal*

Monthly payment for each $1,000 borrowed at 6.74% APR for 20 years would be $7.60.
15% down required.

Mobile Home — New to 6 years old 11.50% APR, auto withdrawal^†

Monthly payment for each $1,000 borrowed at 11.50% APR for 7 years would be $17.39.
30% down required.
^†Auto withdrawal represents a 50 Basis Point reduction in base rate.
* Auto withdrawal represents a 25 Basis Point reduction in base rate.
^‡ Homeowner insurance required. Fees could range from $174 to $528 and include a credit report, appraisal, lien search, flood search, recording and satisfaction fees.

Residential Mortgages - Secondary Market^°

Various terms are available. Please call (Toll Free) 1.877.773.6605 for term and rate information not listed below.
Mortgage Type Term Interest Rate APR Points Down Payment

Fixed 30 Year 3.875% 4.080% 2.500 5% Minimum

Fixed 30 Year 4.375% 4.375% 0 5% Minimum

Fixed 20 Year 3.750% 4.042% 2.500 5% Minimum

Fixed 20 Year 4.250% 4.250% 0 5% Minimum

Fixed 15 Year 3.250% 3.700% 3.000 5% Minimum

Fixed 15 Year 3.875% 3.875% 0 5% Minimum

MONTHLY PAYMENTS FOR EACH $1,000 BORROWED:
• 4.080% APR for 30 years equals 360 payments of $4.70
• 4.375% APR for 30 years equals 360 payments of $4.99
• 4.042% APR for 20 years equals 240 payments of $5.93
• 4.250% APR for 20 years equals 240 payments of $6.19
• 3.700% APR for 15 years equals 180 payments of $7.03
• 3.875% APR for 15 years equals 180 payments of $7.33
^°Secondary Market mortgage loan rates are effective July 30, 2010, and are based on mortgage loan requests of $417,000.00 or less, owner occupied homes, with 5% down, for a sixty (60) day lock-in period. Subject to Approval. Rates subject to change without notice.

Agricultural/Commercial Loan Rates

Please call a Commercial or Agriculture Lender for Rates:
Local calls 717.733.4181 or toll-free 1.877.773.6605

Real Estate Investment Loan Rates

Various terms are available, please call for term and rate information:
Local calls 717.733.4181 or toll-free 1.877.773.6605

Prime Rate

The prime rate as published and declared daily in The Wall Street Journal is 3.25%.

Ephrata National Bank, Member FDIC