LENDING RATES

Rates Effective as of May 09, 2008

All rates and discounts are subject to a completed application and review by our underwriting department.

New Cars, Trucks, & Boats
Year	Rate of Charge	APR
2004 - 2005	5.99%	5.91%*
2004 - 2005	5.99%	5.91%*
*Annual Percentage Rate

Used Cars, Trucks, & Boats
Year	Rate of Charge	APR
2004	5.99%	5.91%*
2003	5.99%	5.91%*
2002	5.99%	5.91%*
2001	5.99%	5.91%*
2000	5.99%	5.91%*
1999	5.99%	5.91%*
1994 - 1998	5.99%	5.91%*
*Annual Percentage Rate

RV Rates
Type	Rate of Charge	APR
New or Used	7.50%	7.614%*
*Annual Percentage Rate

Secured Loans
Rate of Charge	APR
7.00%	7.18%*
*Annual Percentage Rate

1st Mortgage of Owner Occupied Real Estate PURCHASE / REFI**
Rate of Charge	APR
5.75%	5.769%*
*Annual Percentage Rate Call for current fee and closing cost schedule. Existing FNB 1st Mtg Refinanced loans must include $25,000 new money.

1st Mortgage of Investment Property**
Rate of Charge	APR
6.25%	6.41%
First Mortgage
*Annual Percentage Rate Call for current fee and closing cost schedule.

Home Equity Line of Credit (HELOC)

Type

Maximum loan amount is 100% of appraised value or purchase price whichever is less.

The APR is the Prime Rate (6.00% as of 05-04-2005) for up to 80% of appraised value. which would be 6.00% (used as index rate only). Rates slightly higher for values in excess of 80%.

The APR may vary, based on the Prime Rate published in the Wall Street Journal.

Please call for current rate. All applications will be subject to credit approval.

Home Equity / Home Improvement**
Rate of Charge	APR
5.75% for 60 months (80% of Appraised Value)	5.75%*
6.75% for 120 months (80% of Appraised Value)	6.75%*
7.75% for 180 months (80% of Appraised Value)	7.75%*
6.75% for 60 months (100% of Appraised Value)	6.75%*
7.75% for 120 months (100% of Appraised Value)	7.75%*
8.75% for 180 months (100% of Appraised Value)	8.75%*
*Annual Percentage Rate All applications will be subject to credit approval.

Construction Loans
Rate of Charge	APR
6.75%	7.11%*
*Annual Percentage Rate Call for current fee and closing cost schedule

• Automatic Payment Discount -

  *	Receive a .25% rate discount when you have your monthly payment automatically debited from a FNB checking account that has been open for at least 90 days.
  *	If account closes during term of loan, rate may revert to normal rate.

• Automatic Payment Discount is not applicable to Real Estate Loans

To apply by phone call the Loan Line at 405-741-BANK

* APR is based on $10,000 for maximum term and $50.00 documentation preparation fee.