1APR = Annual Percentage Rate. Effective February 1, 2021 rates are subject to change and special offers may be discontinued without notice. Subject to credit approval. Standard underwriting criteria apply. 2Automatic payment deduction required from an Ephrata National Bank deposit account. Published rates include the discount. Rates could be higher if deposit account activity does not support automatic payment. 3This is a variable rate home equity line of credit not to exceed 18% APR. The variable rate is based on Wall Street Journal Prime (WSJP) Rate plus 0.75%, currently 4.00% APR as of 03/16/2020. 25 year draw period. Monthly payment equals 0.50% principal balance plus interest on billing date ($50 minimum). Minimum payment may result in balloon payment at maturity. The advertised rate of 3.25% APR is our standard rate with the following discounts applied: 1) automatic payment deduction from an ENB deposit account, 2) a credit score of 750 or greater, 3) a minimum line amount of $50,000. 4) Loan amounts will not exceed 80% Loan to Value (LTV) ratio. 4Monthly payments will vary based on outstanding balance and term. Any projected payments do not include amounts for taxes and insurance premiums, if applicable; the actual payment obligation will be greater. 5Loan amounts will not exceed 90% Loan to Value (LTV) ratio. Offer good on consumer purpose loans or lines secured with a primary residence. Homeowner insurance required. Flood insurance may be required. 6Fees could range from $319.54 to $824.29 and include a credit report, appraisal, lien search, flood search, recording and satisfaction fees. No Fee Options are available. 7These HomeLine Lock Rates are only available through the HomeLine Line of Credit for the purpose of converting any outstanding balance into a fixed term and rate at the customer’s discretion. A $100 rate conversion fee applies each time you lock-in a rate. The fee is waived if lock-in occurs at HomeLine origination. 8Other rates are possible, subject to loan amount and credit score. These factors may affect final rates offering. Credit score may adjust maximum LTV ratio requirements. 9The 1.99% 6-month introductory rate is for the first six monthly billing cycles after closing and applies to new lines of credit opened with $25,000 or more of new money and requires an automatic deduction of payment from an ENB deposit account. Offer good on consumer purpose Home Equity Line of Credit (HELOC) secured with a primary residence. 10Other rates are possible, subject to loan amount, credit score and payment option selected. Credit score may adjust maximum LTV ratio requirements. Ephrata National Bank, Member FDIC. Equal Housing Lender.