Home Equity Loans - Owner Occupied Residential Real Estate - Loans $35,000+ with min of $10,000 new money
Effective August 25, 2009

* 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 at this time. Subject to outside vendor approval.
Other fees apply for Purchase Money transactions

Home Equity Loans - Owner Occupied Residential Real Estate - Under $35,000
Effective August 25, 2009

*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 at this time. Subject to outside vendor approval.
Other fees apply for Purchase Money transactions.

Home Equity Loans- Non-Owner Occupied Residential Real Estate- Max LTV 70%
Effective August 25, 2009

* 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.
Other fees apply for Purchase Money transactions

Home Equity (First Equity) Line of Credit
Home Equity (First Equity) Line of Credit
THE CURRENT WSJ PRIME RATE IS 3.25%

* Annual Percentage Rate. Platinum Rate floor= 5.00%, Regular rate floor =5.00%, 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.
All lines have an initial 5 year term. The balance must be renewed, termed out or paid in full at each maturity. *** $250.00 documentation fee. # Other fees apply on purchase money transactions.

Auto - New Cars
Auto - New Cars

* 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
Auto - Used Cars

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
Personal Loans - Unsecured

* 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 $2,500 Maximum $5,000.
First Cash Line/Overdraft Protection. Minimum $2,500 Maximum $5,000.
The current Wall Street Journal Prime Rate is 3.25%.

* Annual Percentage Rate
Rates adjust monthly on the 21st following the change in WSJ Prime.
**Rate floor= 8.0%, rate ceiling = 18.0%
Line has a 5 year term. Balance must be repaid, termed out or renewed at anniversary.