Offer valid 2/22/2013 through 5/31/2013 but may be modified or discontinued without notice. Standard underwriting criteria apply. Property must be located in the ACNB Bank service area. The Annual Percentage Rate (APR) is accurate, as of the publication date, given a minimum loan amount of $15,000. In addition at least $15,000 of the loan amount must be new borrowings at ACNB Bank to qualify for the APR and no fees. Plus, the payment must be automatically deducted from an ACNB Bank checking or statement savings account. The interest rate for your loan is based upon your creditworthiness. The loan amount is up to 90% loan-to-value. Property insurance is required. *In the first 12 months of the loan, if you prepay principal in the amount of $5,000 or more, the Bank will not waive the original closing costs. The prepayment penalty for home equity installment loans terminated in the first 36 months is $350. With an APR of 3.83%, the monthly loan payment is $5.97 for $1,000 borrowed for a term of 240 months. Payment does not include taxes and insurance; actual payment obligation will be greater. *If we are unable to determine the property value with an Automated Valuation Model (AVM) and Market Analysis Report (MAC), the Bank may be required to order an appraisal. The cost of the appraisal will be the applicant’s responsibility. In addition to the information above, for properties located in the state of Maryland, mortgage recordation taxes will be paid by the borrower.

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