fall loanLoans for every wish on your listNo Closing Cost MortgageHome Equity Loan0.00 3.99%-YEAR FIXED APRHome Equity Line of CreditSmall Business Loan0.00% | 4.75%-MONTH INTRO APR-YEAR FIXED APRenovate your home, buy a new one, expand yourbusiness, consolidate bills. We've got customized loansto help you accomplish everything on your wish list. Askabout our affordable housing programs. The Fall Loan Eventends October 31, 2017, so stop in and see us soonCBNAloanevent.comCommunityBank N.AEqual Housng lenderMember FOIPERSONAL BUSINESS WEALTHValid on owner occupied 1-4 Famiy residential properties to customers with marketable las determined by Lender or Lender's Aoetitle to the property that is to seoure the loan ADDITIONAL NO CLOSNG COST PRODUCT DISCLOSURE No closing costs" meansno origination eepois application fee, food dheck fee, creit report fee, mortgage recording fee, abstract updane, btle searth feesapprasal fee; bank attorney fee; ledet tenturace fee or mortgage tax For mortgages with less than 20% down payment, PrivateMortgage Insurance PMil is required and borrower is esponsible for PMIl premiums. Other applicable fees/charges, including deedstarp r deed transfer taxes, are rot mortgagesing costs and wil not be paid by the Bank lf borrower selects an attomey torepresent himerborrower is responsible for attormey's fee. If borower elects to obtain owner itle insurance, bonower is resporsibleor owner title insurance premium The Bank will not pay for a survey or any other expesse not speofically listed herein Poperty andharand insurance are required and are the responsbility of the tonower Should the No Closing Cost Mortgage be closed or dischargedwithin three years of the origintion, the Bank will colect the third party clasing costs from the borrower that were waived when theloan was opened Single-wide mobile homes are not eligble for a No Closing Cost Mortgage Couble-wide mobile homes ane elligible torthe  Cos ng Cost Mlongage only it permanently attached to a lundation wid on owner-occuped 1-44amy residenial propertiesto customers with marketable las determined by Lender or Lender's Attorneyl btle to the property that is to secure the loan Minimumloan requirement of $10,00 Rate shown istof a loan win an ITV(Loano-Value) rato cf 80% ¢less of current apprased value otproperty sec rig the accommodation less the balance of the to ower's first mortgage Example A $10,000 loa at 3 99% APR requres60 payments of $184.12 for principal and interest (This payment does not include amounts for taxs andinsurance. The actual paymentmay be greatner Single-wide mobile homes are not eligble for Home Equiny Loans Double-wide mobile homes are eligible only ipermanently attached to a foundation APR is accurane as of 9/1/17 and is sulbject to change without notice. Other tems, rates and loanamounts are available Not available for punchase transactions Valid on owner-ocoupied 1-4-family residential properties to customerswith maketabe las determined by lerder or Leners Amrney, title to nepopony that is to secut the . The 0% noductory rateis available for all Home Equity Line of Credis options, A minimum daaw of $25,000 is required at time of closing bo quaify for advertisedoffer After 3 months the rate of interest wil be adjushed to the then cument Wall Street Journal [WS) Phime Lending rate The rateof interest is variable, and wil adjust in accordance with changes to the WSJ Prime Lending Rate, with a maximum rate of interesof 1150% Sage wde mobile ho es ae fotelgble for Home Equity L es of C e dit D te w de oble homes ae elgble ohattached to a foudaton 'Rate of 4 75% saaatle at a mener foedrate tem wm s om r less nomantyNA loaneelationshigs APR is accurate aso//17 and is subject to change without notioe New loans only Must have an activeCommunity Bank business checking accounm. All loens and lines are subject to oredit approval

Date: October 8, 2017

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fall loan Loans for every wish on your list No Closing Cost Mortgage Home Equity Loan 0.00 3.99% -YEAR FIXED APR Home Equity Line of Credit Small Business Loan 0.00% | 4.75% -MONTH INTRO APR -YEAR FIXED AP Renovate your home, buy a new one, expand your business, consolidate bills. We've got customized loans to help you accomplish everything on your wish list. Ask about our affordable housing programs. The Fall Loan Event ends October 31, 2017, so stop in and see us soon CBNAloanevent.com Community Bank N.A Equal Housng lender Member FOI PERSONAL BUSINESS WEALTH Valid on owner occupied 1-4 Famiy residential properties to customers with marketable las determined by Lender or Lender's Aoe title to the property that is to seoure the loan ADDITIONAL NO CLOSNG COST PRODUCT DISCLOSURE No closing costs" means no origination eepois application fee, food dheck fee, creit report fee, mortgage recording fee, abstract updane, btle searth fees apprasal fee; bank attorney fee; ledet tenturace fee or mortgage tax For mortgages with less than 20% down payment, Private Mortgage Insurance PMil is required and borrower is esponsible for PMIl premiums. Other applicable fees/charges, including deed starp r deed transfer taxes, are rot mortgagesing costs and wil not be paid by the Bank lf borrower selects an attomey to represent himerborrower is responsible for attormey's fee. If borower elects to obtain owner itle insurance, bonower is resporsible or owner title insurance premium The Bank will not pay for a survey or any other expesse not speofically listed herein Poperty and harand insurance are required and are the responsbility of the tonower Should the No Closing Cost Mortgage be closed or discharged within three years of the origintion, the Bank will colect the third party clasing costs from the borrower that were waived when the loan was opened Single-wide mobile homes are not eligble for a No Closing Cost Mortgage Couble-wide mobile homes ane elligible tor the Cos ng Cost Mlongage only it permanently attached to a lundation wid on owner-occuped 1-44amy residenial properties to customers with marketable las determined by Lender or Lender's Attorneyl btle to the property that is to secure the loan Minimum loan requirement of $10,00 Rate shown istof a loan win an ITV(Loano-Value) rato cf 80% ¢less of current apprased value ot property sec rig the accommodation less the balance of the to ower's first mortgage Example A $10,000 loa at 3 99% APR requres 60 payments of $184.12 for principal and interest (This payment does not include amounts for taxs andinsurance. The actual payment may be greatner Single-wide mobile homes are not eligble for Home Equiny Loans Double-wide mobile homes are eligible only i permanently attached to a foundation APR is accurane as of 9/1/17 and is sulbject to change without notice. Other tems, rates and loan amounts are available Not available for punchase transactions Valid on owner-ocoupied 1-4-family residential properties to customers with maketabe las determined by lerder or Leners Amrney, title to nepopony that is to secut the . The 0% noductory rate is available for all Home Equity Line of Credis options, A minimum daaw of $25,000 is required at time of closing bo quaify for advertised offer After 3 months the rate of interest wil be adjushed to the then cument Wall Street Journal [WS) Phime Lending rate The rate of interest is variable, and wil adjust in accordance with changes to the WSJ Prime Lending Rate, with a maximum rate of interes of 1150% Sage wde mobile ho es ae fotelgble for Home Equity L es of C e dit D te w de oble homes ae elgble oh attached to a foudaton 'Rate of 4 75% saaatle at a mener foedrate tem wm s om r less nomanty NA loaneelationshigs APR is accurate aso//17 and is subject to change without notioe New loans only Must have an active Community Bank business checking accounm. All loens and lines are subject to oredit approval