Loans/Mortgage Rates

Unsecured Credit Line	12.00% APR, Variable,  No Fees
Monthly payment for each $1,000 borrowed at 12.00% APR would be $20.00. Variable rate not to exceed 18%.

Secured Home Equity Line of Credit
Auto withdrawal	5.00% APR, Variable,  No Fees
Monthly payment for each $10,000 borrowed at 5.00% APR would be $91.10** Variable rate not to exceed 18%.
Monthly billing	5.50% APR,  Variable,  No Fees
Monthly payment for each $10,000 borrowed at 5.50% APR would be $95.21** Variable rate not to exceed 18%.
15 year draw period ** 0.50% of principal balance on billing date or $50.00 minimum

Unsecured Personal
36 month	15.00% APR, auto withdrawal* - Fix
Monthly payment for each $1,000 borrowed at 15.00% APR/3 Yr/ would be $34.64

Secured Loans
New Car	6.99% APR, auto withdrawal*
Monthly payment for each $1,000 borrowed/5 Yr/at 6.99% APR would be $19.79 / 10% down required.
Used Car - 2007-Model	7.50% APR, auto withdrawal*
Monthly payment for each $1,000 borrowed/5 Yr/at 7.50% APR would be $20.04 / 10% down required.
Used Car - 2006 Model	7.75% APR, auto withdrawal*
Monthly payment for each $1,000 borrowed/5 Yr/at 7.75% APR would be $20.15 / 10% down required.
Used Car - 2005-2001 Model	7.99% APR, auto withdrawal*
Monthly payment for each $1,000 borrowed/4 Yr/at 7.99% APR would be $24.40 / 15% down required.
Home Equity
Home Equity — 0 to 36 months†	5.74% APR, auto withdrawal*
Monthly payment for each $1,000 borrowed/3 Yr/at 5.74% APR 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/5 Yr/at 5.99% APR 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/7 Yr/at 6.24% APR 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/10 Yr/at 6.49% APR 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/15 Yr/at 6.74% APR would be $8.84 / 15% down required.
Home Equity — 181 to 240 months†	6.99% APR, auto withdrawal*
Monthly payment for each $1,000 borrowed/20 Yr/at 6.99% APR would be $7.75 / 15% down required.
Mobile Home — New to 6 years old	11.50% APR, auto withdrawal*
Monthly payment for each $1,000 borrowed/7 Yr/at 11.50% APR would be $17.38 / 30% down required. * Auto withdrawal represents a 50 Basis Point reduction in base rate. † APR=Annual Percentage Rate. APR effective as of 3/25/08. Offer is subject to application approval and may be discontinued without notice. Offer good on fixed-rate consumer purpose loans secured with primary residence. Maximum loan to value is 80%. Property insurance required.

Residential Mortgages Various terms are available. Please call (Toll Free) 1-877-773-6605 for term and rate information not listed below.     SECONDARY MARKET - MORTGAGE LOANS Mortgage Type Term Interest Rate APR Points Down Payment Fixed Conf 30 Year 5.875% 6.167% 3.000 5% Minimum Fixed Conf 30 Year 6.500% 6.500% 0 5% Minimum Fixed Conf 20 Year 5.875% 6.250% 3.000 5% Minimum Fixed Conf 20 Year 6.625% 6.625% 0 5% Minimum Fixed Conf 15 Year 5.500% 5.811% 2.000 5% Minimum Fixed Conf 15 Year 6.125% 6.125% 0 5% Minimum

MONTHLY PAYMENTS FOR EACH $1,000 BORROWED: A)  6.167% APR for 30 years equals 360 payments of $5.92 B)  6.500% APR for 30 years equals 360 payments of $6.32 C)  6.250% APR for 20 years equals 240 payments of $7.09 D)  6.625% APR for 20 years equals 240 payments of $7.53 D)  5.811% APR for 15 years equals 180 payments of $8.17 D)  6.125% APR for 15 years equals 180 payments of $8.51  Secondary Market mortgage loan rates are effective July 3, 2008, 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 ARE SUBJECT TO CHANGE WITHOUT NOTICE.

Agricultural/Commercial Loan Rates

Please call a Commercial or Agriculture Lender for Rates Local calls  733.4181 or  Toll Free 1.877.773.6605 The prime rate as published and declared daily in The Wall Street Journal is 5.00%.

Real Estate Investment Loan Rates

Various terms are available, please call for term and rate information. 733.4181 or Toll Free 1.877.773.6605

Ephrata National Bank, Member FDIC