• Home Equity Loans - Owner Occupied Residential Real Estate - Loans $35,000+ with min of $10,000 new money
• Home Equity Loans - Owner Occupied Residential Real Estate - Under $35,000
• Home Equity Loans- Non-Owner Occupied Residential Real Estate- Max LTV 70%
• Home Equity (First Equity) Line of Credit
• Auto - New Cars
• Auto - Used Cars
• Personal Loans - Unsecured
• First Cash Line/Overdraft Protection. Minimum amount $2,500.

Home Equity Loans - Owner Occupied Residential Real Estate - Loans $35,000+ with min of $10,000 new money
Effective November 19, 2008

* Annual Percentage Rate
Add .50% (50 basis points) to all of the above rates if the payments are not automatically deducted from a First National checking account.
FNB Platinum checking account customers may deduct an additonal .15% from the above rates.
Loans over $250,000 require a full appraisal and loans over $300,000 require title insurance, the cost of each is paid for by the borrower.
** Not available on purchase money transactions. Subject to outside vendor approval.

Home Equity Loans - Owner Occupied Residential Real Estate - Under $35,000
Effective November 19, 2008

*Annual Percentage Rate
Add .50% (50 basis points) to all of the above rates if the payments are not automatically deducted from a First National checking account.
FNB Platinum checking account customers may deduct and additional .15% from the above rates.
** Not available on purchase money transactions. Subject to outside vendor approval.

Home Equity Loans- Non-Owner Occupied Residential Real Estate- Max LTV 70%
Effective November 19, 2008

* Annual Percentage Rate
Add .50% (50 basis points) to all of the above rates if the payments are not automaticaly deducted from a First National checking account.
FNB Platinum checking account customers may deduct an additional .15% from the above rates.
Loans over $250,000 require a full appraisal and loans over $300,000 require title insurance, the cost of each is paid for by the borrower.
$250.00 documentation fee due at closing.

Home Equity (First Equity) Line of Credit
Effective November 19, 2008
THE CURRENT WSJ PRIME RATE IS 4.00%

* Annual Percentage Rate. Platinum Rate floor= 5.25%, Regular rate floor +5.50%, rate ceiling(both) =18.00% on Owner occupied, Non owner occupied rate floor = 7.00%, rate ceiling = 18.00%
**Subject to outside vendor approval. Rate floor = 7.00%, rate ceiling =18.00%
Lines over $250,000 require a full appraisal, and lines of credit over $300,000 require title insurance, the cost of each is paid for by the borrower.
An early retirement fee equal to the greater of $250.00 or .50% of the line amount will be assessed in the event that a line is terminated during the first 12 months of the contract.
All rates are determined as of the 16th of the month, or the next business day after.
***Non Owner Occupied lines have a 5 year draw period, fifteen year repayment term thereafter unless renewed. $250.00 documentation fee due at closing. # Not available on purchase money transactions.

Auto - New Cars
Effective November 19, 2008

* Annual Percentage Rate
** Available on vehicles with a purchase price of $25,000 or more.
Percentage financed is based upon purchase price excluding tags, taxes, etc.
Add .50% (50 basis points) to all the above rates if the payments are not automatically deducted from a First National checking account.

Auto - Used Cars
Effective November 19, 2008

Financing % based upon NADA Retail Value
* Annual Percentage Rate
** If NADA retail value is greater than $15,000, maximum term is 60 months.
*** If NADA retail value is greater than $10,000, maximum term is 48 months.
FNB Platinum Checking account customers may deduct an additional .15% from the above rates.
Add .50% (50 basis points) to all above rates if the payments are not automatically deducted from a First National checking account.

Personal Loans - Unsecured
Effective November 19, 2008

* Annual Percentage Rate
FNB Platinum Checking account customers may deduct an additional .15% from the above rates.
Add .50% (50 basis points) to all above rates if the payments are not automatically deducted from a First National checking account.

First Cash Line/Overdraft Protection. Minimum amount $2,500.
Effective November 19, 2008
The current Wall Street Journal Prime Rate is 4.00%.

* Annual Percentage Rate
Rates adjust monthly on the 21st following the change in WSJ Prime.
**Rate floor= 8.0%, rate ceiling = 18.0%

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