*This product is a fixed rate, closed-end loan secured by your primary residence. 80% maximum loan to value. Cannot be used for home purchase. Property insurance is required. An appraisal and flood insurance may be required. Title insurance required on loans $250,000 or greater. Maximum loan amount is $300,000. Maximum term is 20 years. At loan closing we will waive the third-party charges for appraisal, credit report, flood certification, flood life of loan, title search, notary, tax certification, and recording. Annual Percentage Rates (APR’s) listed are accurate as of 03/06/20 and require $30,000 in new money and automatic payments from a JBT checking or savings account. Add 0.25% for coupon book. For more information about current rates, applicable fees, and available terms, or for non-owner occupied real estate loans, contact JBT’s Client Resource Center at 717-274-5180 (Option 1) or visit our Online Loan Center for details. These promotional rates and terms including waiving of fees are only valid for Tier 1 credit score (720+) as determined by TransUnion FICO Classic (04) credit score obtained by JBT at time of loan application. Other rates available for loans that will satisfy existing JBT loans or credit scores <720. Rate and term example: The monthly payment on a 3.95% APR 20-year loan of $30,000 is $181.05. Payments do not include amounts for taxes and insurance premiums; your actual payment obligation will be greater. Your APR and payment will be determined based on your credit qualifications. Rates and terms may be changed or withdrawn at any time.