*Introductory 1.99% Annual Percentage Rate (APR) is effective for initial 6 months of the loan with automatic payments from an Orrstown Bank eligible deposit account. Refinanced Orrstown BankHome Equity line of credit balances does not qualify for the introductory rate. After the introductory period, the rate converts to a variable (“permanent rate”). The permanent rate will vary with Prime rate as published in the Wall Street Journal (the index) plus or minus a margin. The APR will never exceed 18% or go below 3.25%. As of 12/10/2025, the variable rate is 6.25% for properties in Pennsylvania and West Virginia; the variable rate is 6.50% for properties in Maryland. Set up and maintain automatic payments to receive the introductory APR and discounted permanent rate. Borrower(s) must also meet certain credit score and loan-to-value (LTV) requirements to receive introductory rate. Annual Percentage Rate (APR) advertised is based on a minimum credit score of 740, maximum loan-to-value (LTV) ratio of 80%, and a minimum line of credit amount of $100,000. Lines of credit amounts over $5,000-$99,999 are available with different margins. APR advertised also includes a discount of APR 0.75% for setting up (at or prior to loan closing) and maintaining automatic payments from an eligible Orrstown Bank deposit account and a higher APR will apply without automatic payments. A higher APR may be applied for line of credits with lower credit scores and higher LTV ratios. All SmartLock accounts have a 10-year interest-only draw period, followed by a 20-year repayment period. Your monthly payments may increase, possibly substantially, once your credit line transitions into the repayment period. Fixed Rate / Fixed Term Advances under a SmartLock account are subject to different pricing. There is a $50 fee for each rate lock and a $75 fee for each unlock. Lock must be in place for a minimum of 12 months before it can be unlocked. This product requires proof of active homeowner’s insurance policy. For properties in Pennsylvania, a recapture fee of $250 applies if you close the account within 24 months of account opening. For properties in Maryland, certain taxes associated with the line will be paid by us at closing; you will be responsible for reimbursement of those taxes if you close your account within the first 24 months of account opening. Other standard underwriting criteria apply. Terms and conditions of this offer are subject to change without notice. We reserve the right to withdraw this offer at any time. Contact us for properties outside this area.

^** Consult with a tax advisor.