North Penn Bank Consumer Loans

Fixed Rate Equity Loans

Equal Housing Opportunity Lender

Rates effective 11/14/08 *

LOAN TERM	INTEREST RATE	ANNUAL PERCENTAGE RATE**	POINTS	MONTHLY PAYMENT PER $1000
*5 Years*	*6.000%*	*6.019%*	*None*	*$19.33* based on 5 year term
*7 Years*	*6.500%*	*6.514%*	*None*	*$14.85* based on 7 year term
*10 Years*	*7.000%*	*7.012%*	*None*	$11.61 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 $25.00 Flood Search 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, with an 18%APR (Annual Percentage Rate) lifetime maximum. As of 10/31/08, the regular rate would be 4.000% 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 2008, 2007 Monthly Payment per $1,000.	7.730% $24.00	7.800% $19.90	8.390% $17.49
Used 2004-06 Monthly Payment per $1,000.	--	7.90% $19.95
Used 2002 Monthly Payment per $1,000.	8.630% $24.42	---
Used 2001 Monthly Payment per $1,000.	9.230% $32.04
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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 11/14/08 date and may change without further notice. Based on qualified borrower(s) with good credit.

Online Banking and Bill Payment

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North Penn Bank Consumer Loans

Fixed Rate Equity Loans

Line-Of-Credit Loans

Auto Loans