New Car Loans Member FDIC
With Auto Draft*
Model Year	Term	Interest Rate	Annual Percentage Rate (APR)	Monthly Payment per $1000 borrowed
2011-2012	36 Months	3.29%	3.55%	$29.21
2011-2012	48 Months	3.29%	3.49%	$22.26
2011-2012	60 Months	3.49%	3.65%	$18.19
2011-2012	72 Months	3.79%	3.93%	$15.55
Without Auto Draft*
Model Year	Term	Interest Rate	Annual Percentage Rate (APR)	Monthly Payment per $1000 borrowed
2011-2012	36 Months	3.79%	4.06%	$29.43
2011-2012	48 Months	3.79%	3.99%	$22.49
2011-2012	60 Months	3.99%	4.15%	$18.41
2011-2012	72 Months	4.29%	4.43%	$15.78
Up to 100% of financing available. Loan subject to credit approval. Other interest rates and APRs apply to loans with different repayment terms and conditions. Your final interest rate and APR will be determined based on a review of your credit application.
Rates and APR's are accurate as of Tuesday, February 07, 2012 and are subject to change without notice.
*Autodraft payments are deducted from a First National Community Bank checking account on the payment due dates. Loan rates are subject to increase if the Auto Draft is canceled during the term of the loan.
**All APRs are based on $10,000 loans with a $40 document preparation fee. *** Interest rates for a 36-month loan range from 3.29% as disclosed above to 6.84% with an APR of 7.11% and a monthly payment per $1,000 borrowed of $30.80. Interest rates for a 48-month loan range from 3.29% as disclosed above to 6.84% with an APR of 7.046% and a monthly payment per $1,000 borrowed of $23.87. Interest rates for a 60-month loan range from 3.49% as disclosed above to 8.04% with an APR of 8.209% and a monthly payment per $1,000 borrowed of $20.30. Interest rates for a 72-month loan range from 3.79% as disclosed above to 8.54% with an APR of 8.6843% and a monthly payment per $1,000 borrowed of $17.80.