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Loan and Mortgage Rates

APR = Annual Percentage Rate.
Rates effective February 3, 2012

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 $83.98.**

** 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 8.49% APR, auto withdrawal^†

Monthly payment for each $1,000 borrowed at 8.49% APR for 3 years would be $31.57.

Secured Loans

New Car 4.49% APR, auto withdrawal*

Monthly payment for each $1,000 borrowed at 4.49% APR for 5 years would be $18.64.
10% down required.

Used Car - 2012 & 2011-Model 4.49% APR, auto withdrawal*

Monthly payment for each $1,000 borrowed at 4.49% APR for 5 years would be $18.64.
10% down required.

Used Car - 2010 Model 4.75% APR, auto withdrawal*

Monthly payment for each $1,000 borrowed at 4.75% APR for 5 years would be $18.76.
10% down required.

Used Car - 2009-2005 Model 5.00% APR, auto withdrawal*

Monthly payment for each $1,000 borrowed at 5.00% APR for 4 years would be $23.03.
15% down required.

Home Equity Loans^‡

Home Equity — 12 to 36 months 4.25% APR, auto withdrawal*

Monthly payment for each $10,000 borrowed at 4.25% APR for 3 years would be $296.35.
80% Maximum LTV.

Home Equity — 37 to 60 months 4.51% APR, auto withdrawal*

Monthly payment for each $10,000 borrowed at 4.51% APR for 5 years would be $186.43.
80% Maximum LTV.

Home Equity — 61 to 84 months 5.25% APR, auto withdrawal*

Monthly payment for each $10,000 borrowed at 5.25% APR for 7 years would be $142.51.
80% Maximum LTV.

Home Equity — 85 to 120 months 5.50% APR, auto withdrawal*

Monthly payment for each $10,000 borrowed at 5.50% APR for 10 years would be $108.52.
80% Maximum LTV.

Home Equity — 121 to 180 months 6.25% APR, auto withdrawal*

Monthly payment for each $10,000 borrowed at 6.25% APR for 15 years would be $85.74.
80% Maximum LTV.

Home Equity — 181 to 240 months 6.49% APR, auto withdrawal*

Monthly payment for each $10,000 borrowed at 6.49% APR for 20 years would be $74.50.
80% Maximum LTV.

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.
^‡ Loan amounts will not exceed 80% Loan To Value (LTV) ratio for first lien or subordinate lien, if ENB holds the first lien, and 70% LTV ratio for a subordinate lien when another creditor holds the first lien. 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. Call (877) 773-6605 (toll-free) or make an inquiry online for term and rate information not listed below. You can also apply online for a mortgage.
Mortgage Type Term Interest Rate APR Points Down Payment

Fixed 30 Year 3.375% 3.618% 3.000 5% Minimum

Fixed 30 Year 4.000% 4.000% 0 5% Minimum

Fixed 20 Year 3.250% 3.589% 3.000 5% Minimum

Fixed 20 Year 3.875% 3.875% 0 5% Minimum

Fixed 15 Year 2.750% 3.121% 2.500 5% Minimum

Fixed 15 Year 3.250% 3.250% 0 5% Minimum

MONTHLY PAYMENTS FOR EACH $1,000 BORROWED:
• 3.618% APR for 30 years equals 360 payments of $4.42
• 4.000% APR for 30 years equals 360 payments of $4.77
• 3.589% APR for 20 years equals 240 payments of $5.67
• 3.875% APR for 20 years equals 240 payments of $5.99
• 3.121% APR for 15 years equals 180 payments of $6.79
• 3.250% APR for 15 years equals 180 payments of $7.03
^°Secondary Market mortgage loan rates are effective February 3, 2012, 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 (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