Loan and Mortgage Rates

Rates subject to change without notice.

Unsecured Overdraft Line of Credit

Monthly payment for each $1,000 borrowed at 12.00% APR would be $20.83. Variable rate not to exceed 18%.

12.00% APR, Variable,  No Fees

12-Month Introductory Home Equity Line of Credit‡
Auto withdrawal	2.99% APR, Variable†
12-month introductory rate is for the first twelve monthly billing cycles after closing. After introductory period expires, the Wall Street Journal Prime (WSJP) Rate will be the index for this variable rate product. The WSJP Rate is currently 3.25%APR as of 02/12/2013. Monthly payment for each $10,000 borrowed at 2.99% APR would be $77.60.**
** 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.

Secured Home Equity Line of Credit‡
Auto withdrawal	3.25% APR, Variable†
Monthly payment for each $10,000 borrowed at 3.25% APR would be $77.60.**
** 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	4.25% APR, auto withdrawal*
Monthly payment for each $1,000 borrowed at 4.25% APR for 5 years would be $18.53. 0% down required.
Used Car - 2013 & 2012-Model	4.25% APR, auto withdrawal*
Monthly payment for each $1,000 borrowed at 4.25% APR for 5 years would be $18.53. 0% down required.
Used Car - 2011 Model	4.34% APR, auto withdrawal*
Monthly payment for each $1,000 borrowed at 4.34% APR for 5 years would be $18.57. 0% down required.
Used Car - 2010-2006 Model	4.49% APR, auto withdrawal*
Monthly payment for each $1,000 borrowed at 4.49% APR for 4 years would be $22.80. 15% down required.
Home Equity Loans‡
Home Equity — 12 to 36 months	3.49% APR, auto withdrawal†
Monthly payment for each $10,000 borrowed at 3.49% APR for 3 years would be $292.99. 80% Maximum LTV.
Home Equity — 37 to 60 months	3.75% APR, auto withdrawal†
Monthly payment for each $10,000 borrowed at 3.75% APR for 5 years would be $183.02. 80% Maximum LTV.
Home Equity — 61 to 84 months	4.25% APR, auto withdrawal†
Monthly payment for each $10,000 borrowed at 4.25% APR for 7 years would be $137.82. 80% Maximum LTV.
Home Equity — 85 to 120 months	4.50% APR, auto withdrawal†
Monthly payment for each $10,000 borrowed at 4.50% APR for 10 years would be $103.62. 80% Maximum LTV.
Home Equity — 121 to 180 months	5.25% APR, auto withdrawal†
Monthly payment for each $10,000 borrowed at 5.25% APR for 15 years would be $80.37. 80% Maximum LTV.
Home Equity — 181 to 240 months	5.50% APR, auto withdrawal†
Monthly payment for each $10,000 borrowed at 5.50% APR for 20 years would be $68.78. 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. † Automatic payment required from an Ephrata National Bank deposit account. No application or initial closing fees on loans or lines opened with $10,000 new money. Courthouse satisfaction fees may be assessed when the loan is paid off. ‡ Loan amounts will not exceed 80% Loan To Value (LTV) ratio. Homeowner insurance required. Fees could range from $177.50 to $691 and include a credit report, appraisal, lien search, flood search, recording and satisfaction fees. * Automatic withdrawal represents a 25 Basis Point reduction in base rate.

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	3.250%	3.489%	3.000	5% Minimum
Fixed	30 Year	3.625%	3.625%	0	5% Minimum
Fixed	20 Year	3.250%	3.589%	3.000	5% Minimum
Fixed	20 Year	3.625%	3.625%	0	5% Minimum
Fixed	15 Year	2.375%	2.736%	2.500	5% Minimum
Fixed	15 Year	3.000%	3.000%	0	5% Minimum
MONTHLY PAYMENTS FOR EACH $1,000 BORROWED: •  3.489% APR for 30 years equals 360 payments of $4.35 •  3.625% APR for 30 years equals 360 payments of $4.56 •  3.589% APR for 20 years equals 240 payments of $5.67 •  3.625% APR for 20 years equals 240 payments of $5.86 •  2.736% APR for 15 years equals 180 payments of $6.61 •  3.000% APR for 15 years equals 180 payments of $6.91  °Secondary Market mortgage loan rates are effective May 17, 2013, 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