1 Annual Percentage Rate will be 1.99% fixed for the first six months and will vary each month thereafter. The variable rate will be equal to the National Prime Rate in effect on the adjustment date (currently 3.25%). Maximum APR will not exceed 18%. Property insurance is required. Advertised APR is available to borrowers meeting specific underwriting criteria and requires line of credit of $10,000.00 or more with loan payments auto drafted from an FNCB deposit account. Additional rates and terms are available. Closing costs which include document preparation fee, appraisal and recording fee, range from $425-$510 depending on property location. Loan terms are accurate as of 07/01/15 and are subject to change without notice. Borrower should consult a tax advisor to determine if interest is tax deductible.