Orrstown Bank Home Equity Loan
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Terms and Disclosures

*Offer available on new Home Equity Line of Credit (HELOC) accounts for qualified applicants with credit score of 640 or higher. Introductory 1.99% Annual Percentage Rate (APR) is effective for initial 12 months of the loan. After the initial introductory period, the rate converts to variable rate. For loans in Pennsylvania, this variable rate is based on Wall Street Journal Prime (WSJP) + 0.50% for loans up to $99,999.99. Loans of $100,000 or greater are based on WSJP + 0.25%. Using the WSJP rate of 3.25% as of 08/29/2014, loans up to $99,999.99 would be at 3.75% and loans $100,000 and greater would be at 3.50%. For loans in Maryland, this variable rate is based on WSJP + 0.75% for loans up to $99,999.99. Loans $100,000 or greater are based on WSJP + 0.50%. Using the WSJP rate of 3.25% as of 08/29/2014, loans up to $99,999.99 would be at 4.00% and loans $100,000 or greater would be at 3.75%. The maximum APR for this variable rate loan is 18.00%. Minimum line amount is $5,000. Rates for Loan-To-Value (LTV) of 80% or less. 1.99% introductory rate does not apply to loans with LTV over 80%. Loan requires proof of active homeowner’s insurance policy. Other standard underwriting criteria apply. We reserve the right to withdraw this offer at any time. Terms and conditions of this offer are subject to change without notice. Additional fees may apply if the line of credit is closed within the first 24 months.

**$50 Sheetz gift card for opening a HELOC during the promotional period of September 2, 2014 - November 22, 2014. Additional $25 Sheetz gift card awarded with $10,000 usage during the promotional period and maintained through December 22, 2014, and $50 Sheetz gift card awarded with $50,000 usage during the promotional period and maintained through December 22, 2014. Gift cards offers are available only to legal U.S. residents and may be reported to state and federal revenue authorities. Please consult your tax professional if you have any questions on any impact this reporting may have on your personal tax situation.