North Penn Bank Consumer Loans

Fixed Rate Equity Loans

Equal Housing Opportunity Lender

Rates effective 2/19/10 *

LOAN TERM	INTEREST RATE	ANNUAL PERCENTAGE RATE**	POINTS	MONTHLY PAYMENT PER $1000
*5 Years*	*5.750%*	*5.822%*	*None*	*$19.22* based on 5 year term
*7 Years*	*6.250%*	*6.304%*	*None*	*$14.73* based on 7 year term
*10 Years*	*6.750%*	*6.791%*	*None*	$11.48 based on 10 year term

Above rates assume 75% Loan-To-Value ratio.

** Annual Percentage Rate based on maximum term in each category per $50,000 borrowed with $14.00 Flood Search Fee and $75.00 Tax Monitoring Fee.

Line-Of-Credit Loans
Home Equity Line-Of-Credit Loans (Adjustable Rate)	75% LTV ratio --- Owner-Occupied Wall Street Journal Prime.**

** The rate is variable and adjusts with changes in the highest Prime Rate published in the Wall Street Journal plus a margin of 1%, with an 18% APR (Annual Percentage Rate) lifetime maximum. As of 2/19/10, the regular rate would be 4.250% APR. Minimum line amount $5,000.00. Estimated settlement costs for this type of loan range from $350.00 to $500.00.

Auto Loans

MODEL YEAR	4-YEAR TERM APR+	5-YEAR TERM APR+	6-YEAR TERM APR+
New 2010, 2009 Monthly Payment per $1,000.	7.706% $24.82	7.784% $20.63	8.371% $18.11
Used 2006-08 Monthly Payment per $1,000.	--	7.884% $20.68
Used 2005 Monthly Payment per $1,000.	---	8.285% $20.87
Used 2004 Monthly Payment per $1,000.	8.603% $25.25
Used 2003 Monthly Payment per $1,000.	9.204% $25.54

Above rates apply to 90% of purchase price.

+ Annual Percentage Rate (APR) is based on $10,000 borrowed with $25 Loan Processing Fee.

* All rates on this page are in effect as of 2/19/2010 date and may change without further notice. Based on qualified borrower(s) with good credit.

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North Penn Bank Consumer Loans

Fixed Rate Equity Loans

Line-Of-Credit Loans

Auto Loans