Special 36 Month CD 0.75% APY

see note (3)

The following rates are quoted as Annual Percentage Yield. For more information about applicable fees and terms, call 717-274-7557.

APY stands for Annual Percentage Yield.

APY stands for Annual Percentage Yield.

APY stands for Annual Percentage Yield.

APY stands for Annual Percentage Yield.

APY stands for Annual Percentage Yield.

Special Home Equity Loan*

3-Year Rate:        1.99% APR

5-Year Rate:        3.49% APR

10-Year Rate:      4.29% APR

15-Year Rate:      4.99% APR

*15-Year and 10-year new home equity term loans require minimum of $15,000 of new funds.  5-Year and 3-year new home equity term loans require a minimum of $10,000 of new funds.  Must have automatic debit from JBT deposit account to obtain rate. APR without automatic debit is ¼% higher than advertised rate.  $179 closing fee.  Offer may be withdrawn at anytime and is not good in conjunction with any other offer.  Sample payment:  Monthly payments on $15,000 for 120 months at 4.29% APR will be $155.82.

Special Home Equity Line of Credit**

First-Year Rate:   1.40% APR

Regular Rate:       3.25% APR

**APR may vary. The maximum APR is 18.00%.  Offer applies only to new JBT home equity line-of-credit customers.  Offer may be withdrawn at anytime and is not good in conjunction with any other offer.

Annual Percentage Rate may vary depending on fees if applicable.

Note (1): Variable Rate Account – The interest rate and annual percentage yield may vary. At our discretion, we may change the interest rate on the account at any time after the account is opened. Fees may reduce earnings. APYs effective as of 3/13/13. Subject to change without notice.

Note (2): Variable Rate Account – The interest rate and annual percentage yield may vary. At our discretion, we may change the interest rate on the account at any time after the account is opened. Fees may reduce earnings. You must maintain a minimum balance of $2,500 in the Prime Money Market Account each day to obtain the APYs listed above. APYs effective as of 3/13/13. Subject to change without notice.

Note (3): Interest rates subject to change without notice. Fees may reduce earnings. CD Specials may be withdrawn at any time and are not good in conjunction with any other offer. Penalty for early withdrawal. $500 minimum deposit for certificates of deposit. APYs effective as of 3/13/13.

Note (4): Interest rates and programs subject to change without notice. APRs stated were calculated using the maximum term for the corresponding lowest APR. Other terms and fees may increase Annual Percentage Rates. Rates accurate as of 3/13/13. For more information about current rates, applicable fees, and available terms, contact a JBT Customer Service Specialist or email us.

Note (5): Interest rates subject to change without notice. Fees may reduce income. Penalty for early withdrawal. APYs effective as of 3/13/13.

Note (6): Variable Rate Account – The interest rate and annual percentage yield may vary. At our discretion, we may change the interest rate on the account at any time after the account is opened. Fees may reduce earnings. Penalty for early withdrawal. APYs effective as of 3/13/13. Subject to change without notice.

Note (7): Variable Rate Account – The interest rate and annual percentage yield may vary. At our discretion, we may change the interest rate on the account at any time after the account is opened. Fees may reduce earnings. Penalty for early withdrawal. APYs effective as of 3/13/13. Subject to change without notice.

Note (8): APR is based on an index tied to the Wall Street Journal prime rate. APR may vary. Contact a JBT Customer Service Specialist for the current rate.