Loan Rates and Terms
Rates effective as of April 25, 2008
  Term/Mos Annual Percentage Rate
AUTO LOANS(*)
New, Used: 2009, 2008 (2009-2004 10% Down)
  6-36 4.79%
  37-48 4.89%
  49-60 4.99%
  61-72 5.99%
Used: 2007
  6-48 4.99%
  49-60 4.99%
  61-72 5.99%
Used: 2006
  6-48 5.49%
  49-60 5.99%
Used: 2005
  6-48 5.79%
  49-60 6.09%
Used: 2004
  6-36 5.89%
  37-60 6.19%
Used: 2003 (2003 & Older: 25% down or 90% of NADA Trade-In Value)
  6-36 6.99%
  37-48 6.99%
  49-60 7.24%
Used: 2002
  6-48 7.89%
For Example: A $10,000 auto or personal loan for 48 months at 4.79% would have a repayment amount of $229.35 and a finance charge of $1,008.80.
PERSONAL LOANS(*)
With 1st National Savings Account as Collateral 6-60 Same as New Cars
With Stock Listed on American, NASDAQ or NYSE Up to 2/3 Value 6-60 Same as New Cars
With Other Securities Than Above, Up to 50% Value 6-36 9.95%
Personal Loan, Depositor 6-36 12.50%
Personal Loan, Non-Depositor 6-36 18.00%
(*) All vehicle and personal loan rates include a reduction for a FNB automatic payment. Add .25% WITHOUT an automatic payment from a 1st National checking account.
For Example: A $10,000.00 loan for 36 months at 12.50% would have a repayment amount of $334.61 and a finance charge of $2,045.96.
FIXED RATE HOME EQUITY LOANS
$100,000.00 Maximum, $4,000.00 Minimum Up to 36 5.99%
  37-48 6.59%
  49-60 6.59%
  61-84 6.75%
Terms up to & including 120 months with 89% LTV 85-120 6.85%
Terms > 10 years with 75% LTV or below 121-180 7.25%
For Example: A $15,000 loan for 60 months at 6.59% would have a repayment amount of $294.10 and a finance charge of $2,646.00.