*This Construction-to-Permanent Loan (“Loan”) is intended to finance the construction of improvements on the property described in the Loan Agreement, followed by conversion to permanent financing upon completion. Approval of the permanent phase is contingent upon satisfactory completion of construction, final inspection, and compliance with all applicable terms and conditions.Interest-only payments may be required during the construction phase, based on funds disbursed. The permanent loan terms, including interest rate and repayment schedule, may differ from the construction phase terms. Borrower acknowledges that delays, cost overruns, or changes to the construction plan may affect the loan amount, closing timeline, or eligibility for conversion. Interest rates and maximum loan-to-value may be based on credit score, property type, occupancy, purpose, investor, insurer, loan-to-value and other factors. Additional investor, insurer and Orrstown Bank criteria/conditions apply to all products. Information provided is for illustrative general use only and does not contain all qualification and automated underwriting approval requirements. Orrstown Bank reserves the right to change this information at any time. Meeting any of the criteria does not constitute a commitment to lend.