*First National Community Bank (FNCB) Annual percentage rates on WOW Mortgages are available for a minimum loan amount of $25,000. For the 90 month term loan, the monthly payment will be $12.42 per $1,000 borrowed. For the 120 month term loan, the monthly payment will be $9.71 per $1,000 borrowed. For the 174 month term loan, the monthly payment will be $7.28 per $1,000 borrowed. The above rates require monthly payments to be made via autodraft from a FNCB deposit account. Advertised APR requires loan amount not to exceed 80% of the value of the property and borrowers must meet specific underwriting criteria. Property insurance is required. Title insurance may be required with WOW mortgages over $100,000.00. A $500 document preparation fee applies. Additional terms and rates are available. Loan terms are accurate as of 2/18/15 and are subject to change without notice. All loans are subject to credit approval. 1Closing cost reduction will be applied to document preparation fee on all applications.